Tag: investing
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My top 3 books about personal finance
Personal finance is more personal than finance. I believe the best way to learn is through reading and doing. I’ve already written about books like If You Can and The Art of Spending Money. These books are great and they really helped me on my money journey. If you are wondering which books to start…
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Investors lost $3.8 trillion to market timing – Morningstar Mind the Gap 2026
Morningstar’s Mind the Gap Report for 2026 found that investors’ timing of buying and selling of funds cost them 1.2% annualised return a year. That’s a 12% difference in total return. The funds involved held about $29.7 trillion, when they should have been worth $35 trillion. About $3.8 trillion of that difference was due to…
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A basic guide to financial planning
There is only one job of a financial plan. It is to make sure you have the money you need when you need it. And there are 4 simple steps to complete. Step 1: Spend less than you earn A financial plan cannot work if you don’t have money left over. For the plan to…
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How to start investing
You overheard a convo at the canteen. “Bro, did you buy the dip?” Or maybe at CNY: “Ah boy ah, what are you investing in?” And you’re too embarrassed to admit that you don’t know what they’re talking about. I get it. Investing is scary and confusing. There are so many choices, warnings, and advice…
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Can you retire with $1 million dollars?
$1 million is a lot of money. I don’t have $1 million dollars. The median Singapore household has $1,755,000 in net wealth. This includes a hefty dose of property in that value, so we can strip that away. We’d prefer to retire with a roof over our heads. With that being said, how much does…
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AI made me a retirement plan…with some problems
I asked AI if it could make me a retirement plan. Gemini concluded I could retire at 65 with $8560 a month. Was it right? The starting line I gave it an age of 31, a starting amount of $100k, a monthly contribution of $500, and a retirement age of 65. Oh, and I told…
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Should Singaporeans invest in SpaceX?
SpaceX went public on 12 June 2026, in the largest IPO to date. Over 550 million SpaceX shares were sold at an initial offer price of $135 per share, with the price rising nearly 20% to $160.95 at the end of the trading day. That price values SpaceX at a whopping $2.1 trillion dollars, making…
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Why you shouldn’t buy a house
So you’ve decided to join the class of homeowners in Singapore. Or at least dream about it. There are 1.62 million houses in Singapore. 1.16 million, or 71.5% of them are HDB flats. The remaining comprise 375 thousand condominium units, and 75 thousand landed properties. I hear many complaints about how housing feels out of…
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How to outperform everyone in personal finance and investing
For too long, this blog has focused on being average. Here’s how you can be better than everyone. 1. Spend, spend, spend. You Only Live Once. Saving is for those who are scared. Instead, spend like every day is your last. You have to make your days count. What’s the point of saving when you…
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Don’t worry about things outside of your control
There’s a lot to worry about. Interest rates. Market returns. Global geopolitical uncertainty. Death. The problem is that a lot of these aren’t within your control. And if they’re not within your control, there’s no point worrying about them. Our financial goals and plans cannot foresee all that the world holds in store. So it…