Market Regimes and What They Mean for Your Portfolio
Executive Summary Markets traverse through distinctive macro-economic environments, each shaped by combinations of risk appetite, growth, inflation, and monetary conditions. Using a [...]
Why Recent Market Outperformance Does Not Replace the Need for Global Diversification
Executive Summary Recent strength in the Singapore equity market has understandably prompted investors to question whether globally diversified portfolios remain necessary, particularly after two [...]
Venezuela in Focus: Political Developments and Market Implications
Executive Summary The US military operation in Venezuela on 3 January 2026 is geopolitically dramatic but economically minor, given Venezuela’s very small role in the global economy. Venezuela [...]
Is There an AI Stock Bubble? Insights from our Data Analysis
In recent weeks, there has been a growing crescendo of “bubble talk” by financial market commentators as the S&P 500 continues to make new highs, driven by the spectacular growth of AI [...]
Why a Robust Estimate of Future Returns Is Important for Investment Planning
When I first started my career in the financial services sector in the late 90s, comprehensive financial planning was not widely practised. Most of the time, it was really just product sales. I [...]
Here’s Why We Charge a Higher Fee Than Robos
From time to time, we will get this question about the way we manage wealth for our clients: “why should clients pay you an ongoing advisory fee if you take a “passive” instead of an “active” [...]
Active Investing That Adds Value to the Client
At Providend, we appear to take a “passive” approach to investing by not doing the typical tactical asset allocation (TAA), stock/fund selection or market timing approach, so it might seem that [...]
2 Illuminating Questions to Guide Your Investment Decision Making
Investors typically look for 2 crucial features in their investments: Their investment must not lose money Their investment needs to keep up with inflation You realize that… #1 and #2 are often [...]
To Do Well in Investments, Don’t Focus Too Much on Forecasts
A year ago, at about this time, market watchers were generally pessimistic about 2019. After all, just a month ago on Christmas Eve of 2018, markets (represented by MSCI World Index) fell by [...]
Generating Superior Returns vs Just Enough : Focusing on Your Goals When You Invest
We just concluded our last Retirement Weekend here at Providend. At this event, we explain the holistic considerations that many may not have considered when they are near retirement. One of the [...]
How to Get Passive Income From Non-Dividend Paying Funds
To get ready for your retirement, or your financial independence, you will need a recurring stream of cash flow. We often have clients seeking our help to evaluate certain financial products [...]
The Importance of Liquidity in Your Investment Portfolio
Are your investments liquid or illiquid? When a holding is liquid, it simply means you can sell it anytime the market in which it trades is open for business, without losing your proverbial shirt [...]
