Investment

Dear younger me, You might be surprised to hear from the older you. By the time you read this, you would have graduated and worked for a few years. I know that you are struggling to make sense of [...]

Most investors are primarily oriented toward returns and pay little attention to the risks associated with investing and how much they can potentially lose. In this episode, I will share a few [...]

Investing is not about buying the best performing or star products. It is also not just about returns. A lot of it is about managing your risk expectation. In this very important episode, I will [...]

In the world of investing, there are many different opinions on how the stock market is performing today and in the near future. These opinions vary vastly, even amongst established financial [...]

In the last episode, I shared 5 interesting investment lessons we can learn from football. This week, I’ll share my learnings as I braved through the jungles and mountains back when I was [...]

“Don’t be discouraged by occasional losses (like now). Just like you cannot win every match in a football game, don’t expect your investments to do well all the time.” In this episode, I will [...]

“This time is different” is a common phrase I have heard over the course of my career each time when a financial crisis happens and I have gone through 4 major crises including the current one. [...]

“I have been told by many that most trustees will never take any risks during their term in office. The belief is that if they make a good investment decision, no one will thank them, but if they [...]

Can you accept the fact that your investment returns depend on how fast someone dies? The earlier they die, the higher your returns. In this episode, I will share my professional insights on [...]

TBC We are living in a world where patience is no longer a virtue. We like quick fixes and fast results. But speed comes at a price which we may not be aware of. In this episode, I reflect on how [...]

When the market crashed in 2008, many people cautioned us to move all of our portfolios to cash as they feared the worst. When we did not do so and the markets fell further, some clients were [...]

Imagine you are walking through a jungle and on your way, a storm come raging and cause damage to your planned route, you have 3 options below, which one would you choose? Continue with the same [...]

As of 20th May 2022, the S&P 500 has fallen 18.36% since the beginning of the year. The MSCI ACWI which includes the emerging markets is down 17.61% for the year. Even bonds were not spared. [...]

Don’t ever give up! What we have learnt from the past century is that no matter how deep and long the crises are, the market always recovers. The key question is, do you have the time to wait for [...]

When I was recording this episode, I felt like déjà vu because the points that I made 20 years ago still apply to the current market situation, i.e., inflation, recession, etc. While investment [...]

In this episode, I will share the key considerations you should take into account if you own an Investment-Linked Policy given its insurance charges that increase tremendously from age 40. View [...]

As we approach the year end, I cannot help but to reflect on the journey we have been through over the past 2 years of pandemic that has impacted every one of us. The financial markets had been [...]

Last month, I wrote a piece in this column that took an honest look at ESG investing. The conclusion was that We cannot conclude the ESG companies will give higher expected returns. Fund managers [...]

It is quite a common occurrence to hear from people that they are into purchasing blue-chip stocks. In fact, I started that way myself by buying a few DBS shares here and a handful of Singtel [...]

Like many people during this pandemic, my husband and I started to go on more and longer cycling trips together over the past 2 years. Usually we will check the skyline before we leave the house. [...]

There have been a lot of talks about ESG investing recently. Financial institutions have been marketing their ESG investments aggressively to attract investors’ money and there are a lot of [...]

A few months ago, I had the privilege to conduct an indoor gardening workshop for our Providend family. Since the start of the pandemic, with more time spent at home now, there is a growing [...]

On 24th October 2020, I wrote in this column about Providend’s courtship with Vanguard funds. It was a 16-year courtship which started in 2004, speaking with 4 country heads to get them to bring [...]

Do you know what are the odds of you getting a positive return when you are invested in any 1-year, 5-year, 10-year and 20-year period? In this episode, I will walk you through a few scenarios to [...]

Two years ago, after a few months of research, thinking and hesitation, I surrendered a whole life insurance policy that I had purchased and replaced it with a term insurance policy. As it was [...]

I love managing my money, no surprises about that. But I also do have a fascination towards psychology, particularly in behavioural economics and cognitive biases. And along the way, I started to [...]

In March 2020, the markets tumbled and the S&P500 fell about 30% from its peak. While many investors panicked, we were busily engaging and assuring clients. The key message that we sent was [...]

Most people are going to end up with a bond fund of some kind. In today’s episode, I will share with you what is the role of bonds and whether you need them in your own investment portfolio. You [...]

7 years ago, my wife braved a 240km charity ride from Malacca to Singapore (Yes, she is the brave and adventurous one!). Of course, being a supportive and responsible partner, I had to go with [...]

Equity investing has always been a popular topic among investors. However, there is so much misleading information out there. In this episode, I will share with you on how you should approach [...]