Investment Review 30th Sept 2020

I last posted my Annual Investment Review in January 2017, looking back on 2016. https://aikyong.wordpress.com/2017/01/30/investment-review-2016-revised/ Since then I've stopped investing in single stocks and continued on a diversified plan. I thought I'll look back on my investment performance since it's been awhile. Before I dive into the investments, note that I have dabbled in new …

Why diversify when xxxx is returning x%?

One question I get asked a lot is why I recommend a diversified investment when I know that xxxx is doing so well at the moment. There are many double digit and sometimes triple digit returns, e.g. China stocks, tech stocks, etc. why are we spreading our eggs into many baskets? Sometimes even Warren Buffet …

Fintech Investment Review

Cryptocurrency Commentary: First thing to notice is that Cryptocurrency is faraway the highest return at 61% annualised return compare to 14%/10%/2% for others. This hasn't always been the case as at one point it made a loss. The idea of cryptocurrency is that it is created to counter inflation from government issued currencies. To this …

How low can Interest Rate go?

So Bank Negara did another round of Interest Rate cut, reducing OPR from 2.5% to 2.0%. Soon FDs in bank will start paying lower interest, Money Market Funds will definitely follow suit. But how low can Interest Rate go? Why is it going lower? To answer this question, it may be instructive to review what …

Markets misconception: Markets always corrects to normal

“Wall of Ignorance or Bridge of Understanding,We can’t choose what others build for themselves,But we can choose what we spend our time on. “ There have been a few misconceptions about the financial markets which has been bothering us. Things we tend to pick up because it is our favorite subject. The answers are always …

Is it time to invest?

"Heng, markets are up, Donald Trump going to sign trade deal with China, Boris Johnson won (UK) election by a landslide, PMI is up, unemployment is down. But... The ten year recession cycle is coming. Is it time to invest?" This is a very common question, especially if it is hard earned money. It doesn't …

Unraveling Insurance Speak

Do you have a nagging feeling that your insurance agent did not tell you the whole story about the policy he/she wanted you to buy? Do you feel like something is wrong but you couldn't say exactly what it is? Well, you are not alone, and even a Financial Advisor like me needed to be …

Process-oriented vs Goal-oriented

After speed reading thru a child psychology book gifted by a client, I was struck by the recommendation to treat parenting as process-oriented rather than goal-oriented and I can see the similarities to sensible management and investment approaches. The book gave the example of a baby repeatedly putting on and taking off her sock on …

On the misconception of trading time for money and trading money for time

“Before diagnosed with C, my father was busy working, earning money. After that, he retired and tried to join in the family’s activities. Before he was always saying ‘you guys go ahead’, nowadays it’s always ‘where you guys going?’. It’s driving me and my siblings nuts!” - Ms W... One thing the family members always …

Attack On Titan and the psychology of Action

"And just like that, everything changed. At that terrible moment, in our hearts, we knew. Home was a pen. Humanity, cattle." — Opening narration “Sie Sind Das Essen Und Wir Sind Die Jager!” 1.You are the prey and we are the hunters. 2. Are you the prey? No, we are the hunters! The World of …