GYC Insights
Articles on real-life financial issues written to educate and enlighten.
Opportunities Don't Come Often
It has been 14 years since the last significant market sell-off and now we are here again!
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?
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.
Bad Investment Advice
Research shows that using famous people for marketing campaigns works wonders, but the collapse of celebrity endorsed investments such as cryptocurrencies and NFTs has lost many people money. How do you sift through the noise for good investment advice?
Started From The Bottom, Now We’re Here
Global stocks may be down this year (YTD), but the odds are in your favour.
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?
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.
Successful Investing? Be Normal
Most people assume that to do well or get ahead in investing, you would need to have extreme intelligence or skills to do so. But not really, you just need to be normal.
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.
What Happens During a Recession?
Lately, financial media have been pushing out opinions from billionaires, banks, investment managers and just about anybody who wants to appear smart, on the breadth, depth and scope of the “upcoming recession”. So what does all of this mean to you and your money?
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.
How Risky Are Stocks?
Many people would say stocks are risky. However, if properly diversified, risks can be reduced substantially and the probability of stocks giving you gains is as close as guaranteed as your time horizon increases.
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?
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?
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?
Right Here Waiting
Everyone knows about Warren Buffett as an excellent investor and probably you do too. But if all you’re trying to do is to mimic his investment process, then you are missing the forest for the trees.
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.
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.