GYC Insights

Articles on real-life financial issues written to educate and enlighten.

Carl Chay Carl Chay

Election Season

With Trump currently ahead in the polls around 10 days to the election, investors may be worried about increased tensions with the US and other countries and the resultant impact to the market.

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Bruce Tan Bruce Tan

Interest Rates Down, Bonds Also Down

Many investors believe that when interest rates fall, bond prices should rise. However when the Federal Open Market Committee cut the discount rate by 0.50%, the 10-Year Treasury fell in price.

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Carl Chay Carl Chay

Anything But Average

While the annual average return of the global market in the past 20 years is +5.69%, the actual annual return ranges from -42.77% all the way to +49.14%.

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Bruce Tan Bruce Tan

Gotta Risk it For The Biscuit

An average annual return of almost 20% with close to 20 years of consecutive positive returns, it sounded too good to be true. It was.

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Carl Chay Carl Chay

The ‘Ex’ Has Issues

A record 38 emerging market ex-China funds have popped up in 2023 and 2024, with a rise of 2300% flowing into these funds in the in past 3 years. Have you jumped on the bandwagon?

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Carl Chay Carl Chay

Rates Got You Down?

The US Federal Reserve has lowered interest rates by 0.5% during their September 2024 meeting. So far, stock markets have responded positively, but interestingly, bonds have not started to rally as expected by many.

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Carl Chay Carl Chay

Easy Come, Easy Go

Peloton is down -95%, Zoom -88%, Moderna -84%, and Etsy -83% since their peaks during the Covid-19 pandemic. Such a severe wipe out over a couple of years is pretty terrifying to imagine, especially when it comes to your portfolio.

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Carl Chay Carl Chay

Positively Uncertain

The long term average return from investing in the global market is around +7.36%/year. But in reality, what we get each year can be very far from that number (e.g. almost -20% in 2022, or almost +30% in 2019).

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Carl Chay Carl Chay

Current-cy Pains

The lack of SGD investment options as well as the need for a global opportunity set naturally comes with exposure to foreign currencies. Is your wealth poised to take on forex movements?

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Carl Chay Carl Chay

Ain’t No Pleasing You

+154% in earnings, but -8% in share price. Nvidia's announcement has puzzling effect on investor behaviour.

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Bruce Tan Bruce Tan

Beware of Statistics

On average about 100 of the funds available at the beginning of any given year disappear (they are liquidated or merged).

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Carl Chay Carl Chay

A Clockwork Cut

By the time the Fed announces and executes rate changes, you'd be too late.

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Carl Chay Carl Chay

Are You Ahead of The Crowd?

In the Challenger tragedy of 1986, what took a 5-month investigation to determine, the stock market figured out in a matter of minutes.

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Bruce Tan Bruce Tan

Markets in Turmoil

Some investors might cut their investment exposure due to recent fearful headlines to, but that would be a big mistake.

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