GYC Insights
Articles on real-life financial issues written to educate and enlighten.
How Do Higher Interest Rates Affect You?
Higher interest rates means a higher cost of borrowing for both you and companies, but it also means better opportunities to grow your savings through instruments like T-bills and our Capital Holding account
Do Changes in Interest Rates Affect Stocks?
Despite what multiple news sources suggests, more than half a century of data have not found a discernible relationship between bond yields and stock returns. It would be wise not to make changes based on short-term speculation.
Making Sense of Interest Rates
Many investors worry that the present market environment of rising interest rates will decrease equity valuations and therefore lead to relatively poor equity market performance over the next year or more. From a theoretical perspective, how do these rate hikes affect the market?
When Will Rates Rise Again?
Interest rates will eventually rise and when they do, the transition from a low-yield to a higher-yield environment can lead to capital losses in portfolios and also put pressure on those who have taken up new levels of debt. Are you prepared?
Are Rising Rates a Threat?
Much to the surprise of investors, the stock market posted good returns for 2020 despite the overhang of COVID-19. Most investors know what happens to their bond investments when interest rates change, but how effect does it have on our investments?
Should You Be Worried Over Low Interest Rates?
Bank interest rates have been at rock bottom for years. Is this something investors should worry about?
Driving Forward Whilst Looking Back
As we head into 2020, it helps to look at financial forecasts with the hindsight gained from 2019.
Invest or Pay Down Debt?
Which should be your priority - getting out of debt, or investing in hopes of higher returns?
Winter is Coming
There are signs that the more than 30-year bond bull market is finally turning.
Investing in Property - Things to Consider
Before you jump on the investment property bandwagon, here are some questions you should ask yourself.