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?
I always believed that financial education have a connection to spiritual wellbeing. Similiarly, spiritual maturity will translate to financial wellbeing. Hence the title of this blog: Spiritual. Financial. At first, I thought of writing this blog as a 'guide' to both those things. But after writing for awhile, I realise I am probably writing more … Continue reading New About Me Page
There are two common shortcuts made by investor when investing. First one is called contrarian investing. Also known as: "What goes up, must come down." / "What goes down, must come up" / "rebound" / "correction" Second one is called momentum investing. Also known as: "What goes up, will keep going up" / "What does down will … Continue reading Contrarian Investing vs Momentum Investing
Oftentimes Financial Advisors are guilty of speaking jargons. We use complicated and specialized words like wealth planning, diversification and holistic financial plans, as if everyone understood the word and all that it means when it took us hours of lecture and years of study. But as a conference speaker thankfully reminded today, people don't care … Continue reading Financial Jargons
There is a common protection mechanism used by many when confronted with an investment which promises high returns: "If it is too good to be true, it probably is". In fact, it is so popular that there are even variations of it: However to be a financial savvy investor, we cannot let our defense mechanism … Continue reading Too Good To Be True?
Lame joke: what's the difference between Time in the market vs Timing the market, besides the spelling? Time in the market is putting your money to work in the market regardless of current market condition. Letting growth and inflation to grow your money in the long term. Timing the market is trying to buy low and sell … Continue reading Time in the market vs timing the market