Behaviour Is it time to kick your coffee habit? But if you take a step back for a second - it really adds up! If you have a coffee a day, that's $1,825 a year. In fact, a survey by Acorns found that 40% of Americans spend more on coffee than they invest!
Investing Markets are roaring back, which begs the question... Especially when markets rally, the crowd divides into largely these two main camps. Those driven by greed and fear. These are primitive and natural desires that drive the impulse to chase market rallies or to lock-in the profits and flee.
Behaviour The real cost of staying in cash If your cash deposits are yielding ~1%, you’re losing purchasing power every year due to inflation. Holding a sizable portion of your portfolio in cash will cost you over the long-term.
Investing Sparking joy: How to Marie Kondo your finances Personal finance doesn’t really spark joy in many of us. In fact, it has been proven that people would rather talk about death then money. But as Marie Kondo says: “Tidy up your space (finances), transform your life.”
Investing The lesson of Hyflux: What water and diversification have in common 34,000 individual investors have lost a lot of money in Hyflux Perpetual bonds(“Perps”). When they were first introduced in 2011, they looked fantastic. It offered a high yield of 6% from a household name we thought we could trust.
Investing The very annoying efficient market hypothesis and how to beat it Eugene Fama, 2013 Nobel Laureate, is credited with developing the Efficient Market Hypothesis, on which intelligent investment decisions can be made.
Investing True giants of the investment world: Buffett, Templeton, Booth, Bogle, Swensen There are a few good men over the past century who we can call the true giants of the investment world. They made a deep lasting impact on future generations of investors because of their contributions to the industry and to the broader society.
Investing On surge pricing, institutional share classes, and sales incentives: mutual fund (unit trust) investing 101 Institutional shares classes: What investors need to understand about different share classes before investing in mutual funds (unit trusts)
Investing Mutual fund investing: How to read a mutual fund factsheet Every mutual fund has a factsheet which is updated on a regular basis. By understanding the information displayed on a fund factsheet, you will be able to quickly assess how each fund operates. Factsheet formats tend to vary between different fund managers, but they will contain similar information.
Investing A (lack) of forecast for 2019: the key to stock market predictions It’s safe to say that short-term predictions are fairly worthless, and paying attention to forecasts is a wasted effort.
Investing “Hindsight is 20/20” - we all love to say: why timing markets is difficult and risky Over the course of 20 years from 1970 to 1989, Japan market rose over 6,100%, US market rose 890%, and the rest of the developed world rose just over 1,100%.
Investing When you can’t see the forest for the trees: a holistic approach to asset allocation Sometimes you need to take a step back to see the bigger picture. Money, or rather our investments and life assets are no different.
ETFs & Funds What Singapore-based investors need to know before investing in unit trusts or ETFs Before you decide to park your money in a unit trust or ETF, it’s important that you first understand some of their key characteristics. Doing so can help you identify the right funds to invest in.
Investing Durians and diversification As Howard Marks said: “You must be diversified enough to survive bad times or bad luck so that skill and good process can have the chance to pay off over the long term.”
Behaviour Why we are not wired to invest: how our brains respond to financial losses and what we can do about it. Financial losses are processed in the same area of the brain (the amygdala) that responds to mortal danger.
Investing What to expect when you're expecting: the average stock market return is nothing close to its average annual return If you buy an index fund or ETF tracking the MSCI All Country World Index, you will expect it to give you an annual return in-line with its long-term average (minus costs).
Investing Are good investors skilful or just lucky? Michael Mauboussin believed that the reason why luck is so important in investing is not that investors are not skilful - it’s actually the opposite.
Investing "I'll invest when the market crashes" is flawed. It's about time in the markets rather than market timing Even the worst market timer can be a way better than average investor.
ETFs & Funds An inconvenient truth: tax on US-listed ETFs. Why US-listed ETFs are not necessarily cost efficient for you and me. Tax, if not careful, can shoot low-cost investing in the foot.
Investing Do Crazy Rich Asians only invest in real estate? Many of the real ‘Crazy Rich Asians’ have indeed built their fortunes on real estate. But is it really better than investing in the market?
ETFs & Funds Spoilt for choice: ETFs vs Mutual Funds You walk into a restaurant, get seated, and you’re handed a book. It’s the menu masquerading as an encyclopedia - page after page, there are so many items to choose from that you can’t decide what to order.
Investing Who doesn’t like good value? The value risk premium in stock market investing One should have greater exposure to companies that are cheaper than their intrinsic value and how the market is pricing them.
News 18.8.18: Introducing Endowus black Endowus black: Low cost, evidence-based investment portfolios built on best-in-class institutional share-class funds by Dimensional Fund Advisors and PIMCO.
Investing We can all retire as multi-millionaires Time is your biggest ally here in building up a retirement nest egg. Albert Einstein once said, “Compound interest is the eighth wonder of the world. He who understands it, earns it. He who doesn’t, pays it.”
Investing Don’t worry - you can still undo some of these retirement planning mistakes When it comes to planning for retirement, the earlier you start, the better off you will be. Time is of the essence and you don’t really get a second chance once you hit retirement.
