Mustard Seed
Mustard Seed Million Dollar Builder (MSMDB)
A long-term savings plan with reduced costs, the MSMDB is designed to help you save 1 million dollars in about 25 to 35 years, depending on your invested capital. The initiative is named after nature’s perennial symbol of potential growth. About 2 millimetres in diameter, the mustard seed represents humble beginnings, reminding us that every towering tree starts from the ground up.
How does it work?
Select an MSMDB program
Committing an initial sum along with monthly contributions to the programme.
Evidenced-Based Investing
Savings will be invested in a portfolio that was meticulously crafted with UOB Asset Management.
Rest Easy & Let It Grow
GYC will continuously manage the portfolio and keep you updated with its progress.
What type of investments?
The United G Strategic Fund
Meticulously crafted by GYC with UOB Asset Management, the 5-star Morningstar rated fund (Dec 2021) is maintained regularly, and market conditions are monitored daily using financial science and instruments such as GYC’s Risk Matrix.
YTD Returns
as of 30 Jun 2023
+12.57%
5 Year Gross Returns
as of 30 Jun 2023
+80.00%
10 Year Gross Returns
as of 30 Jun 2023
+80.00%
Annualised Returns
as of 30 Jun 2023 (10-year)
+6.05%
Further information about The United G Strategic Fund can be found here.
Why Should You Invest?
Inflation
Singapore’s Inflation rates means that $2.41 in 2021 has the same buying power as $1 in 1975.
This is a 58.5% reduction in your asset value since then. 1.27% per annum.
Left on its own, your money will drop in value. The interest rates that banks offer is not enough to combat this.
2. Letting Your Money Work For You
Sure, working for money can be fulfilling in its own way and you can and should continue working, but at the same time, let your money work for you.
In investing, you can build up your retirement fund in a systematic manner. This can bring about a greater peace of mind, and also free up your time and energy for other activities.
The average person spends 26 years sleeping and an additional 7 years trying to sleep. Investing would put these 33 years in bed to work, without adding any actual hours of work on your plate.
3. What Should I be Investing In?
What’s the advantage of investing in stocks versus other types of financial assets? Comparing various asset classes in the graph below, we can see that globally diversified stocks give us the greatest return in the long run. Not only that, investing in an entire basket of stocks, not just a handful of them ensures that you reap the business gains of corporations both in Singapore and around the world. Investing in a basket ensure that you eliminate the risk of picking individual stocks, the risk of choosing the wrong country, sectors, and the wrong fund manager.
You can see in the table below that the longer the time frame held, the higher the historical probability of getting a positive return.
4. Planning For The Future
Investing allows us to maximise the assets you have, allowing it to grow to a substantial amount over time so that you may live off it when you can no longer generate an income. This will prepare you for when you’re older or retired and as your earning power decreases or goes to zero.
You may not be anywhere close to retiring yet, but as shown, time in the market is one of the greatest assets that one can have. Provided that your portfolio is globally diversified and balanced, and well managed.
Schedule a consultation
If you’re lost and don’t know how to get started investing, why not meet up with us for a complimentary, no-strings-attached session? We’ll find out more about your specific financial goals, and recommend suitable investment solutions to get you there.