GYC Insights
Articles on real-life financial issues written to educate and enlighten.
The Case For International Diversification
Since 2007, investing in the US market has done really well for investors and many have questioned the benefits of allocating to other markets. Let’s take a look at the broader picture.
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.
2 Steps Forward, 1 Step back
We all know the adage, “high risk, high return”. However in order to grow your capital, it is not only the returns that matter but the management of risk.
When Will Housing Be Affordable Again?
Would prices come down this year or the next? We are unable to really predict for sure — but what is certain is that nothing goes up in a straight line.
Should I Be Buying Bond Funds Now?
There are investors that prefer buying individual bonds as they perceive its ability not to lose value and have a guaranteed maturity compared to bond funds. But are there more cons than pros?
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.
Should I Be Buying Bonds Now?
Bonds have came back into focus as global central banks have embarked on a rate hike cycle. Are direct bonds the right choice for you?
The Stock Market May Be a Pendulum, But Businesses Aren't
As an investor, unless you can look past the short-term swings in prices, and focus on the long-term power of markets to create wealth, it will be difficult to stay seated and allow your wealth to grow.
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.
When Less Is Not More
Many professional managers of capital and traders will boast of their ability to pick that winning stock or sector. Don’t lose out returns by making a guess. Invest the time-tested way.
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?
All In or Out?
Today, we are able to track market performance in near real-time. This sometimes allow prices to lead us in deciding whether to buy or sell our investments. But actually, one of the most important factors in making this decision is when you need your assets.
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.
The Biggest Mistake
There are academically proven ways to have a positive investment experience. Likewise, there are consistent ways in which people fail in investing; it’s usually a case of either selling in a panic, or failing to invest due to fear.
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.