GYC Insights

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

Investing Carl Chay Investing Carl Chay

Should I Invest In This?

It seems like every month, the financial industry churns out an endless array of fresh investment options. Amidst the multitude of products, the choices can seem overwhelming. Fortunately, there is a simple process of evaluating their merits, even if the themes or names of these products change.

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Risk, Investing Carl Chay Risk, Investing Carl Chay

Bear Markets Have a Habit of Bearing Fruit

Many investors may feel uneasy over news that the US is currently in a bear market, but what exactly is a bear market? What does that mean for your goals and dreams? Is it a signal to sell or buy? The uncertainty and the weight of not knowing what to expect is very often too much for many investors to bear.

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Investing Carl Chay Investing Carl Chay

One For All or All For One?

Sometimes past success from the concentrated investing in well-known companies discourage investors from diversifying their assets. Unfortunately, this can lead to one of the most well-known cautionary tales in finance:
Tragic declines in wealth resulting from losses in single securities.

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Investing Carl Chay Investing Carl Chay

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?

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Investing Carl Chay Investing Carl Chay

Too Much Information

With greater access to technology equipping yourself with a few apps, real-time news, and data feeds can make you feel like a pro-trader. Does keeping up to date with everything that’s happening around the world give you an edge in investing?

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Investing Carl Chay Investing Carl Chay

A Down Market in Perspective

Volatility and downturns are part and parcel of investing, and it happens more often than you think. As long as you are holding a diversified global portfolio, staying put throughout the turbulence would have given you a long-term return over 7% in SGD terms.

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Are Rising Rates a Slap in the Face to Bond Performance?

When the US Federal Reserve committed to raise interest rates in the face of rising inflation, investors and financial media like Bloomberg, Morningstar, and Yahoo Finance were quick to predict that bonds will underperform cash. Looking at over 30 years of International Government Bond data, we examine the validity of these forecasts.

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Economy, Investing Carl Chay Economy, Investing Carl Chay

No Time For Debt

National debt is rising everywhere around the world with the US sitting at the top at $22 trillion dollars (at end 2020). However, in terms of debt to GDP ratios, it is not the most indebted country in the world.

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