GYC Insights
Articles on real-life financial issues written to educate and enlighten.
It's Really Hard Not to Panic
“Don’t panic” and “Invest when markets are down” is usually easier said than done. Going through volatile markets can feel like a really long time, but when zoomed out, it is but a mere blip in history.
Can AI Invest Better Than Me?
AI in investing has actually been around for a bit, some active investors and traders have attempted to get an edge on others through AI tools that retrieve and process data. Is AI able to give investors a leg up against the competition?
Bubble or a New Era?
A new buzzword emerges: Artificial Intelligence (AI). Should we be diving in to invest in this? After all, they could be the next big thing like Google or Apple — but it is not the first time that the human race has developed something new and exciting.
Standing The Test of Time
The world economy changes across different time periods, shifting with changes in political power and other disruptions. Your investment portfolio should be constantly and consistently rebalanced to the latest accurate representation of what the world’s investible market is.
Invest All At Once or Bit by Bit?
Whenever you have a sum of money to invest, there are many different things to consider. One decision that regularly stumps a lot of people is whether to put all of their money in at once, or to phase it in over time — essentially a form of dollar cost averaging.
After a Bad Period For Markets, What Next?
News cycles can be negative, while the stock market continues to trend upwards in 2023. Market sell-offs tend to feed upon itself, culminating in a few days of intense losses — but this is always temporary. Most of the time, bad years are followed by good recovery years.
Chasing Blue Chips
Blue-chip stocks are typically large companies with good reputations which often inspire the assumption that they will always be around, but even they can fall by the wayside eventually; are you certain that your blue-chip stock will continue to give you the returns over the long-term?
Concentration Builds & Destroys Wealth
The stock market is a tried and tested way to build wealth at the tradeoff of volatility and risk. There are multiple ways to manage both but with SVB’s collapse serving as a cautionary tale, we believe in employing evidence-based protocols.
It's Going to Get Better
The market actually does worse before a recession as compared to during a recession itself, and if you’re holding the right assets, a recession is nothing to be scared about.
How Much Emerging Market Investments Should We Own?
The rapid rise of countries and economies in our region often comes the promise of higher-than-expected market returns, albeit with more risk. But what does the data have to say in response to the allure of the Asian Growth Story?
Forward Looking Markets
Future economic circumstances are reflected in current market prices. Investing based on today’s news can almost be a year (or more) too late.
Worries Abound, But Investment Returns Will Still Come
While negative returns are part and parcel of investing, it happens less often than you think. The past four years are actually very representative of how markets work in general — positive returns 75% of the time, and losses, 1 out of 4 times.
Current Banking Crisis Shows Why You Must Diversify
Banking crises have happened since the 1840s and the collapse of key players in the financial ecosystem often which lead to widespread panic and a scramble to preserve capital. The question on everyone’s minds is: ‘Is my money safe?’
What If You Retire or Need Income During a Bear Market? — Part 2
Bucketed portfolios of money can help you settle short-term and long-term needs, but often can be a bit of a hassle. However, there is a way to gain those advantages in a fuss free manner by integrating them into a single portfolio.
What Does It Mean To Invest For The Long-Term?
The longer your investment horizon, the higher your chances of getting a positive investment return. But exactly how long are we talking about? Using one of our portfolios as an example, let’s take a look at some numbers.
Looming Recession? Don’t Be Scared!
An overwhelming number of recession forecasts do not necessarily mean a recession is certain, but if major recessions of the past has shown us anything, it’s that investments still can make decent and even better returns.
Will China Do Well This Year? What About The US? Here's Why it Doesn't Matter.
Investment opportunities exist all around the globe, but the results of global stock returns seems almost random, and even purported positive news for countries do not always correlate to good investment performance.
The Market Doesn’t Stop to Reminisce
Prices in the Market constantly change based on what’s happening at the current moment and what investors think could happen in the future. Don’t be bogged down by what happened last year and instead, look ahead.