GYC Insights
Articles on real-life financial issues written to educate and enlighten.
Keeping Up with Rising Costs
The recent increase in the cost of some goods and services due to the return of demand after closures and lockdowns has surprised some of us and made the news. How exactly does inflation affect stock returns? Let’s take a look at the data.
Why Bother With Global Stocks
Investopedia defines ‘Home Bias’ as the tendency for investors to invest the majority of their portfolio in domestic equities. However, putting too much of your money into homegrown companies doesn’t pay off all the time. Diversification spreads your investments among more components and reduces risk in your portfolio.
What Goes Up, May Not Necessarily Come Down
History was made when a young Isaac Newton discovered the law of gravity when he was was hit on the head by a falling piece of fruit. Does the law of gravity have any bearing on financial markets?
Balancing Act
A common question from clients is ‘Should I use my money to reduce debt now or should I start investing and saving first? Can I do both and at what cost?’ A plethora of self-help books and information online either declare debt as a deadly sin or heaven-sent. Let’s look at possible ways to think about it.
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.
Running Up A Tab
Whilst Buy Now, Pay Later (BNPL) offerings are attractive deals to many, it has the potential to dig deeper holes for many as well.
Tiptoeing Around Risky and Expensive
With investors scrambling to add different asset classes into their portfolios to equal their returns to that of 10-20 years ago, they may be exposed to higher volatility than the past as well.
The Best Time to Give Away Your Money?
Majority of people generally transfer their assets only when there is an onset of cognitive decline. However, the delayed timing could bring about significant repercussions to your hard-earned assets.
The Difference Between Trading & Investing
You probably hear more stories of trading success than failure, but robust data and research show that overwhelmingly, traders perform worse than the market. Are the odds stacked against the day trader?
Will The Taper Tamper With Investments?
The last time tapering occurred in 2013, markets wobbled for a while, and bonds - the most badly affected of all asset classes - suffered a significant loss over a short period of time. The event was then dubbed the “Taper Tantrum”. With a fresh round of tapering looming on the horizon, how worried should we be of our investments?
Nerves of Steel
Stocks are one of the few key asset classes that can help you beat inflation in the long run, but with the possibility of growth and returns, come risk and volatility. So, how much of your investments should you allocate to stocks?
Some Investment Terms To Know
If you feel embarrassed about having to look up investment concepts, don’t worry, there are millions of people in the world asking the same questions. Here are some commonly searched investment terms to help you cover the basics and refresh your memory.
Do I Really Need to Own a Property?
With property transactions at mind-boggling rates, you may start to wonder if the next generation has the means to own a home. By considering the three types of benefits of every product and service, you might be able to answer some common questions about property.
What Should I Prioritise First?
Very often, dealing with your own finances is a juggling act and it can be difficult to prioritise which items should come first. Here are four quick tips that can help you balance out your loan payments while saving for something big.
What Does ‘Long-Term Investing ’ Mean?
In the Global Stock Market, when the holding timeframe increases (especially past 10 years), the probability that you’ll walk away with a positive return increases with it, steadily making its way up, and eventually settling at 100%.
Stuck At Home, Time To Trade?
Now that the stock market has risen since the Mar 2020 recession lows, you may be trying to figure out what to invest in right now. However, the reality of successfully timing markets isn’t as straightforward as it sounds.
Does Inflation Affect Me?
When investing, very often we concern ourselves with more visible risks, but inflation is a silent killer. If you do not manage your money and savings well, it will slowly push your desired/ideal lifestyle out of reach. What steps can we take to combat the inflation risk?
Assessing Financial Advice
Financial and investment advice seems to be everywhere these days. For the people looking to kickstart their investment journey, how do you differentiate between advice that will set you down the right path and the wrong one?