GYC Insights

An extensive library of financial articles rooted in research and data-science, written with the experience of decades in the industry.

Carl Chay Carl Chay

Why The Penguins?

The announcement and the varying severity of the tariffs do not appear to be well thought out, and as a funny factoid, included obscure islands with zero humans and only penguin inhabitants. What does this brashness mean for markets?

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Carl Chay Carl Chay

Market’s Worrying You? Read This

Snappy headlines concerning markets have been rampant, with mixed reports about the future of the US economy — is your portfolio going to be alright?

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Bruce Tan Bruce Tan

Be Aware of this Risk in Retirement

Like mountain climbing, the descent into retirement can be dangerous without a guide. But with a skilled adviser and the right tools, it can be an exciting journey —not a stressful one.

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Carl Chay Carl Chay

Tariff-ic Times

Markets always swing between fear and euphoria based on the prevailing news. A well-thought-out investment plan and proper portfolio construction will help you to stay seated during uncertain times and cut through the market noise.

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Bruce Tan Bruce Tan

Afraid of Opportunities

Many investors are overly fearful of being wrong, so they are late to invest in markets with great potential. At GYC, our data-driven approach cuts through the noise and we are positioned to capitalise on opportunities when they arise and nimble enough to respond if conditions deteriorate to conserve capital.

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Carl Chay Carl Chay

Are We There Yet?

Market volatility often sparks recession fears, but nobody has been able to accurately forecast the timing of a recession. As markets react ahead of economic news, selling in uncertainty may result in missed opportunities.

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Carl Chay Carl Chay

Everything Screams Recession

The recent sell-off coupled with headlines designed to catch your attention with implied recession pronouncements can leave investors feeling grim, but the data and market indicators suggest that this market dislocation possibly presents a wealth creation opportunity.

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Bruce Tan Bruce Tan

Dividends: Does It Help Investors?

Professor Siegal shows that over the long term, stocks that paid the highest levels of dividends had lower risk and higher returns, but correlation does not always mean causation — let’s look at the data more granularly.

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Carl Chay Carl Chay

Tariff Tantrum

The Tariff Tantrum might lead to a trade war and a worsening economic environment, but it hasn’t shown up in the data (yet). Surprisingly enough, current signals showing that the risk of a global recession is at one of its lowest points in history.

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Bruce Tan Bruce Tan

Should We be Worried about Market Concentration?

High levels of concentration and the risks of a narrow market has historically caused market commentators to sound the alarm. But rising market concentration in the 1950s, 1990s, and 2010s to today, produced a better-than-average return. So what exactly should we be worried about?

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Carl Chay Carl Chay

2 Things We Are Thinking About

Investors seem to be worried about whether growth can continue and, with what’s going on in the US juxtaposed against its stellar track record, what should they be doing. What can the data tell us?

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Bruce Tan Bruce Tan

The Opportunity in Markets Today

Many market commentators have expressed their worry over the present sky-high valuations and market concentration, suggesting that these bring grim expectations for future returns. Breaking down the data allows us to consider whether that’s a reasonable assumption.

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Carl Chay Carl Chay

Good Odds

People often treat the stock market like a casino and actually, there is no other game of chance that such positive odds of winning like investing can, provided you take certain actions to stack the odds in your favour.

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Carl Chay Carl Chay

Investment Smarts

Would you have guessed that a group of people with the top 2% of IQ scores in the US would underperform the benchmark by 84%?

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Bruce Tan Bruce Tan

Risks to Watch For in 2025

3 periods marked by narrow market leadership; will this instance result in the same market crash like the previous two?

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Carl Chay Carl Chay

Tariff Troubles

Chinese stocks (MSCI China index) have performed +16% over the past month compared to US stocks (S&P 500), only +4.2% so far. Why hasn’t it impacted China yet?

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