GYC Insights
Articles on real-life financial issues written to educate and enlighten.
Investors Should be Aware of this Risk in 2024
2023 has been a great year for equities. Global stocks and the S&P 500 are up by around 20% but if you’re making this mistake, you might be risking underperformance in the coming years.
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.
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?
Jump-Start Your 2024 Plan
3 things to think about to jump start your financial planning for 2025: Assess your debt position, your financial goals, and your emergency buffer.
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.
Your Income Generating Investments Are Going To Get Better
For those relying on their investment portfolio for income generation we are approaching a point where the bond pain is going to turn into a gain.
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?
Your Year-End Financial Checklist
Some things you might want to consider before the end of this year to make sure you’re covered financially.
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.
China is an Example of Why You Need Global Diversification
Whilst many investors sometimes seek to alter their investment allocations to try to tap onto new growth areas or ideas in an effort to seek higher returns, not all of these deviations result in higher returns. Very often, it leads to worse outcomes.
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.
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?
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.
What to Do if a Recession Finally Comes
Did you know that recession announcements tend to be extremely late? Often by the time they are called, the stock market would already have bottomed and is on its way to recovery.
Where’s The Smart Money?
Last month, Wall Street created its newest billionaire, however, not every investor in his company experienced the same success.
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?
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.
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.