Today we will be looking at a case study, something practical for everybody to implement. This is A portfolio of a real life Unit Trust holdings. It may be similiar to yours, somewhat similiar to yours or you may not have reached this level of holdings yet. First is EPF. For those not in the … Continue reading Investment Case Study
Frequently the most difficult problem faced by an advisor is facilitating emotional decisions to be made by a client. As an engineering graduate who has been thru maths, add maths, applicable maths, calculus, physics, mechanics, optics, programming, wave mechanics, particle physics, network engineering, and getting the investment prize in Certified Financial Planning exam, there is … Continue reading Emotional decisions and empathy
We were watching Doctor Strange again, my missus and I, we were watching the second time as we heard it was different in 3D and it definitely is. (Go watch it!) The best part about watching a visually spectacular film like Doctor Strange a 2nd time is that we can pay attention to the dialogue better. … Continue reading Doctor Strange Philosophy
So according to this survey done by a US-based advisor, the top reason people didn't engage an advisor is: http://www.edelmanfinancial.com/education-center/articles/w/why-some-people-never-seek-financial-advice They don't believe it. Or more specifically, they don't believe the fee is worth the advice. Of course, this is a chicken and egg situation. If people never experienced being advised before, they cannot … Continue reading Why some people never engage an Advisor
Today we'll delve into a slightly more difficult topic. Macroeconomics. Slightly more difficult, but very important. There's a famous financial blogger (whom I can't name here, cause I forgot who...) came up with this insight: "Of all financial education taught, macroeconomics is the one which most people have no knowledge about, yet is the most … Continue reading The Macroeconomics of Interest Rates
I often get this question: "Why is investment time horizon always mid to long term?" In this day and age where we have instant coffee, instant noodles and instant messaging, why can't we have instant returns as well? Let's examine this issue. What happens when we invest for a month? Lots of ups and downs just … Continue reading Why is investment time horizon always mid to long term?
So recently in an industry update, we were told starting 1st Jan 2017, there will be COMMISSION-FREE insurance offered! What this means is customers can get insurance up to 30% CHEAPER! Isn't this good news?!?! Ok, this is the part you go, "Sounds too good to be true, what's the catch?" This is part of Bank … Continue reading Commission-free Insurance: too good to be true?