Tag: investing
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How “Golden Handcuffs” Kill Your Portfolio
Investors should “stay the course” and not sell out when the market dips. But of course, investors do the opposite and sell out when the market dips. Why do we do that? Patrick Adams highlights that we have a real risk in our spending habits in his latest paper. Simply put, it is harder than…
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The most harmful belief is “this time is different”
The problem is that it’s always true. This time is indeed different. But that doesn’t mean we should change our decisions. In times of good Sir John Templeton said that “this time is different” were the four most expensive words in the English Dictionary. The current theme is of course, AI. AI will change the…
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What does War mean for your portfolio?
This article is not meant to gloss over the horrors or human cost of war. War exacts a terrible toll on humanity. Nevertheless, even those of us untouched by weaponry feel its economic effects. So what should or can we do about our investments in times of war? War negatively impacts stock and bond returns……
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Investing mistakes that financial advisors/RMs make
Your financial advisor/RM is likely making investment mistakes. This is not because they are malicious. Rather, it is because they truly believe in their (misguided) advice. They are also influenced by their incentive structure, which is simple: Sell. No sales = no income. If you want to put food on the table, you have to…
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Mistakes that real Singaporean investors make
The Straits Times recently ran an article about young Singaporean investors using AI to make stock picks. They make many mistakes in their investment choices. Or if they are aware that they are mistakes, perhaps they are expressing their own desires through their choices, To be sure, I am not against people making their own…
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Should you invest in the new CPF life-cycle investment scheme?
CPF has announced a new investment scheme to be launched in 2028. It is an extension of the CPF Investment Scheme, or CPFIS. CPF will work with commercial fund providers to offer simplified, low-cost, and diversified life-cycle investment products. To determine whether this scheme is suitable for you, let’s take a look at these of…
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The biggest investing lessons from 2025
What did the past year teach us? Lots. But if we do not learn from it, we are doomed to repeat it. Here are some of the most important lessons that 2025 taught us. 1. Stay in your seat On April 2, 2-25, Donald Trump announced Liberation Day Tariffs. The S&P500 proceeded to drop by…
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Is “VWRA and chill” good advice?
VWRA is a splendid way to invest. It is extremely diversified. It is very low-cost. It is set-it-and-forget-it material. It is advice that gives you the best outcomes. Historically speaking, a 100% equity portfolio is the best strategy for retirees. So “VWRA and chill” is good advice, right? Financial advice isn’t so simple It involves…
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Your lack of financial knowledge is a risk
I recently went to get my car serviced. The mechanic told me I needed to replace my brake pads as they were less than 3mm thick. I said yes, but I had no idea if he was telling the truth. He could have been ripping me off and I would be none the wiser. Luckily,…
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You are the know-nothing investor
Diversification is for the know-nothing investor – Charlie Munger. That is why, with some deep research and a bit of common sense, you can select stocks that have strong growth, good fundamental prospects, and will outperform the market. That previous statement? Completely false. You are the know-nothing investor. Even professionals can’t outperform the market Active…