GYC Insights

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

Carl Chay Carl Chay

Uncertainty, in Both Life and Investing

Uncertainty in investing is the reason why we receive a premium for the money we put aside. While long term growth of the global stock market is historically proven, its growth does not occur in a straight line. Shying away from uncertainty will likely lead to giving up any chance of growth.

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Bruce Tan Bruce Tan

Will the U.S. Continue to Have Good Performance?

The abysmal performance from the U.S. from 2000 to 2009 led to many investors shy away from U.S investments, losing out on the huge gains in the U.S across the next decade. Will this outperformance continue? Why take that chance?

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Bruce Tan Bruce Tan

DIY Investing is More Expensive Than You Realise

Many do-it-yourself (DIY) investing proponents list low-cost as one of their main reasons for going solo. But many don’t consider payment for order flows (PFOF), dividend withholding taxes, estate duty, foreign exchange spreads and bid-ask spreads that they’ll be handling on your own.

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Bruce Tan Bruce Tan

When Will The Bubble Pop?

Asset bubbles have existed since time immemorial — they have both made and destroyed entire fortunes. How should we go about dealing with them when investing?

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Bruce Tan Bruce Tan

Short Term Pain, Long Term Gain

Despite the fact that markets experience declines every single year, they end up positive for the year most of the time. Investors have to accept market declines as a natural process of markets in their journey towards new highs and opportunistically take advantage of these events by deploying capital when the market offers discounts, boosting long-term returns.

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Bruce Tan Bruce Tan

The Downsides of Money

According to a study done in 2022, Singaporeans’ top concerns are unsurprisingly related to the economy and the cost of living, after all we are regularly ranked as the most expensive city in the world.

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Carl Chay Carl Chay

A Time for Giving

More than half of the entire world have less than USD$10k in total assets. If you have assets amounting to more than $135,000, then you are in the top 13% of the world in terms of wealth. What if you could give without risking your own wellbeing?

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Bruce Tan Bruce Tan

Do This to Increase Your Returns

Investors can increase their returns by investing aggressively when others are selling. However, investors must be careful not invest blindly during every market decline as you might get caught if it is a large extended one.

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Bruce Tan Bruce Tan

Where’s The Smart Money?

Last month, Wall Street created its newest billionaire, however, not every investor in his company experienced the same success.

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Bruce Tan Bruce Tan

Predicting Winners

Many tech experts back in 2001 could see that cloud computing was going to be a mega disruptor, but how many of them would imagined that an online bookstore would dominate that market 20 years later?

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Carl Chay Carl Chay

War and Its Impact to Markets

While wars and geopolitical crises usually cause a short-term reaction in stock and bond markets, it is usually short-lived with markets recovering quickly.

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Bruce Tan Bruce Tan

Passive Investing Might be Exposing You to More Risk in 2023

2023 might seem like a great year for U.S. stocks, with the S&P 500 up more than +13% YTD. However, almost all of the returns are from the top 8 stocks in that index. It can be pretty risky to rely on a select few companies for majority of your returns.

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