GYC Insights
Articles on real-life financial issues written to educate and enlighten.
5 Things to Kickstart 2023
At our recent client event, we were happy to have an overwhelming response to our 5-question quiz. Within these answers include important tidbits for investors and Singaporeans — How many of these would you have guessed correctly?
2022 Was a Test of Nerves; How Did You Fare?
For the the first time in nearly 50 years, both stocks and bonds were down by double digits (2022). Over the past few years, from lockdowns to re-openings and adapting to drastic changes in our lifestyles and behaviour. Now we’re in 2023; how’re you doing?
Your Average Return
An old joke goes - a statistician is a person who lays with his head in an oven and his feet in a freezer happily proclaiming “On average, I feel comfortable.”
Taking that example into the investment world, averages seldom reflect actual investor experience.
The Best Time to Buy (or Sell)
When is the best time to invest? The common refrain would be to wait for the ‘best time’ to put your money to work. But the truth is you don’t need to wait for the best time to still get good results.
Important Lessons During Volatile Markets
When markets go up, many investors always claim that they can stomach volatility. After all, volatility that pushes the prices of assets upwards is always welcomed. Only when we experience downward volatility, our true investment stomach is revealed!
Time to Check Your Pulse
You’ve probably experienced that wave of relief before, when you manage to narrowly avoid a disaster. Now that the market is very choppy, it makes sense to take a step back, assess your investments and perhaps take some extra precautions — after all downturns are only a matter of time.
Mayday in May? Or Come What May
You’ve done everything right: You’ve set a long investment horizon to ensure positive returns, and reduced your equity allocation to make room for bonds to absorb shocks in the market. So what should one do when the invested assets suddenly don’t seem to behave anymore?
Should I Be Worried About The Recent Drawdown?
Volatility is back in the markets after one and a half years of relatively smooth sailing and rising asset prices. But just how common are market declines and what do they mean for annual returns?
The Difference Between a 100% and 15,000% Return is 10 Days.
Panic selling not only locks in your losses but also puts you at risk for missing the market’s best days, and the impact of missing just a few of the market’s best days can be profound
Keeping The Choppy Markets In Perspective
When it comes to investing, the biggest elephant in the room is the word — “uncertainty.” No one can say for certain what the markets will do nor is there a crystal ball that’ll show you the outcome of any situation. However, we have provided some pointers that can help you keep things in perspective during this “uncertain” period.
Keep Riding Your Bicycle
Staying upright on a bike is much easier when you’re moving, and more enjoyable than frequently having to start and stop. Having discipline in a financial plan is not dissimilar; the ability to reach your destination can be positively impacted by building small, repeatable habits.
What the Data Tells Us About Stock and Bond Returns
Are bonds really safer than stocks? The data suggests otherwise.
How do you face a financial crisis?
As we face speculations about a coming crisis, how should investors respond?
What Do You Do in Shaky Markets?
In volatile markets, whether investors end up making or losing money depends less on what the market is doing and more on how they react.
Why you need to keep calm in turbulent markets
Markets may seem scary right now, but there is no need to panic.