Personal finance Goals-based investing and why it matters When you invest with a defined purpose of achieving a certain goal, you can better identify the right strategy, how much you need to invest and the appropriate level of risk to take to get you there.
Investing Raja Ampat and the rewards of time rather than timing Raja Ampat lies on the edge of the Indonesian archipelago off the west coast of Papua. Apart from having the greatest marine biodiversity on the planet, magical coral gardens, and lots of fish, Raja is a stomping ground for the ginormous oceanic manta.
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.
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.”
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.
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?
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.
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.
Investing What keeps you up at night? It really should be the global pension crisis The biggest impending threat isn’t some environmental disaster like an earthquake or a meteor strike, nor is it the threat of a nuclear war breaking out. It is the global pension crisis.
Investing Them rates go rising: Should I own bonds in a rising rate environment? Rising interest rates have made investors nervous about investing in bonds. But you too, should stay the course.
Investing Getting to that money/hammock moment: Passive investing for stocks but how about bonds? Don’t blindly turn away from active bond fund management. The passive strategy in bond investing unfortunately does not work as well as it does in stock investing.
Investing "Buying a bond only for its yield is like getting married only for the sex” - Benjamin Graham The media tends to almost exclusively focus on the gyrations of the stock market, but the bond market is actually the largest securities market in the world.
ETFs & Funds Change is the only constant in life: Are index funds truly "passive"? In the media, ‘passive’ and ‘index fund’ are usually joined at the hip, but in reality, the underlying components of an index fund (ETF or unit trust) are far from passive.
Behaviour Finding patterns where there are none: investing based on patterns We love to draw price charts and find ‘Head and Shoulders’, ‘Double Bottom’, or ‘Triangle’ patterns, then predict where prices will go. But this is largely an exercise in futility.
