GYC Insights

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

Carl Chay Carl Chay

Rates Got You Down?

The US Federal Reserve has lowered interest rates by 0.5% during their September 2024 meeting. So far, stock markets have responded positively, but interestingly, bonds have not started to rally as expected by many.

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Carl Chay Carl Chay

Easy Come, Easy Go

Peloton is down -95%, Zoom -88%, Moderna -84%, and Etsy -83% since their peaks during the Covid-19 pandemic. Such a severe wipe out over a couple of years is pretty terrifying to imagine, especially when it comes to your portfolio.

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Carl Chay Carl Chay

Positively Uncertain

The long term average return from investing in the global market is around +7.36%/year. But in reality, what we get each year can be very far from that number (e.g. almost -20% in 2022, or almost +30% in 2019).

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Carl Chay Carl Chay

Current-cy Pains

The lack of SGD investment options as well as the need for a global opportunity set naturally comes with exposure to foreign currencies. Is your wealth poised to take on forex movements?

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Carl Chay Carl Chay

Ain’t No Pleasing You

+154% in earnings, but -8% in share price. Nvidia's announcement has puzzling effect on investor behaviour.

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Bruce Tan Bruce Tan

Beware of Statistics

On average about 100 of the funds available at the beginning of any given year disappear (they are liquidated or merged).

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Carl Chay Carl Chay

A Clockwork Cut

By the time the Fed announces and executes rate changes, you'd be too late.

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Carl Chay Carl Chay

Are You Ahead of The Crowd?

In the Challenger tragedy of 1986, what took a 5-month investigation to determine, the stock market figured out in a matter of minutes.

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Bruce Tan Bruce Tan

Markets in Turmoil

Some investors might cut their investment exposure due to recent fearful headlines to, but that would be a big mistake.

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Bruce Tan Bruce Tan

A Window of Opportunity

Global markets are up almost 10% year-to-date, leaving some investors to feel like they have missed the boat, but opportunity’s knocking during this season for several reasons.

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Bruce Tan Bruce Tan

Dividend We Fall

Important pitfalls to watch out for when focusing on a dividend yield strategy.

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Bruce Tan Bruce Tan

Divi-Then, Now What?

Research shows that the best performing funds are often the ones that do not pay dividends. In fact, it is the highest dividend paying funds that underperform those that pay no or low dividends.

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Carl Chay Carl Chay

What The Fed

More than 500% less returns. That’s what would’ve have happed if you made investment decisions based on what the Fed was going to do at the start of 2024.

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