GYC Insights

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

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?

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Investing Guest User Investing Guest User

The Time is Now

At the time of writing, we’re looking at a sell-off of-22.8% in global equity markets; if you are invested in the right asset classes, with proper risk and portfolio management, the forward returns could be tremendous.

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Investing Carl Chay Investing Carl Chay

So Far, 2022 Has Been Off The Charts

It would be hard not to take notice of the stock markets this year. The last time both stocks and bonds suffered double-digit losses was 1973. Granted, it was a different time back then, but what can we expect going forwards?

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Bruce Tan Bruce Tan

Just One Question

Knowing which industry will skyrocket may not be as useful as you may think. Only a minority of stocks are about to beat the US broad market on average over 5 and 20 year periods.

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Investing Bruce Tan Investing Bruce Tan

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.

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Investing Bruce Tan Investing Bruce Tan

The Art of Zen Thinking

Whether it is tomorrow or 5 years from now, if you are investing in a way that enables you to capture all available market returns without having to make forecasts, then the threat of a looming recession or job losses or wage decreases or a whole bevy of other worries should not sidetrack you.

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Investing Bruce Tan Investing Bruce Tan

Needle in a Haystack

Research shows us that the most common outcomes when it comes to investing are either losing everything or multiplying your capital by 9 times. How can we make sure to end up with the latter outcome?

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Carl Chay Carl Chay

Do Dividend Paying Stocks Pay?

Many investors find high dividend paying strategies very compelling due to the supposed protection or higher returns during turbulent environments. However, are these assumptions aligned with the evidence?

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Investing Bruce Tan Investing Bruce Tan

Speaking of Recessions

When people think about impending recessions and its effects on the markets, the response is rarely a positive one. But can data provide a case for the silver lining of recessions?

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Bruce Tan Bruce Tan

Tale of Two Brothers

You don’t need to invest a lot of capital to make good returns, you just have to do it early. The best time to start investing was 20 years ago, the second-best time is today.

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