While early data shows pressure building, recession risk and financial stress remain contained for now. We continue to monitor key indicators closely and stand ready to adjust portfolios if conditions point to a more prolonged and adverse environment.

Markets over the past few weeks have been swinging on the ongoing war and oil headlines. Don’t be swayed by the noise.

AI investing is actually not new and has historically underperformed. Research shows that AI models tend to amplify human biases, these include confirmation, anchoring, and recency biases — all well-researched behavioural finance issues that negatively impact an investor’s decision-making clarity.

If you’ve been using fixed deposits (FDs) or MAS T‑bills to park spare cash, you’re not alone.

For the last few years, the “Magnificent 7” have felt like the market’s VIP table. While there are unquestionably exceptional businesses, investing isn’t only about admiring the quality of a company. It’s about the relationship between quality, expectations, and price.

We can’t predict how the conflict will evolve or where oil prices will go next, but we can watch the indicators that historically matter most for markets. Let’s dive into what the data has to say

War or other geopolitical events may lead to short-term shocks it rarely defines them for long. Unless a recession and or a financial crisis is mixed into the picture, short-term dislocations can present an investment opportunity.

Things keep becoming more expensive and AI is the new hot topic of investment. Remember, historically, booms often carry the seeds of busts. Not because the technology is deemed useless, but because prices run ahead of reality. In investment, discipline is more important than speed.

Despite notable pullbacks in some of the largest technology names, broader markets have continued to experience growth; nothing in the data points to a sudden breakdown in economic activity.

Headlines may talk about the gold and silver collapse, along with fears surrounding strengthening JPY, sell-offs in Japanese Government Bonds, and uncertainty around the USD. Yet market signals still point to a healthy economy.

Given US politics and uncertainty, it seems unclear whether US growth can continue or whether it will decline. Historically, the decline of a superpower takes time to occur. Ensure that your investments are robust enough to go the distance through changing regimes.

Did you know a perfect market timing strategy was actually discovered through Nobel laureate Robert Merton's work? However, executing it in reality posed some challenges

Most financial forecasts have been wrong, and for the past 3 years alone, making decisions based on them could’ve resulted in an opportunity cost of 42% in total returns (S&P 500)

On 3 Jan 2026, the US military executed Operation Absolute Resolve, an incursion to kidnap the president of a sovereign country. While geopolitical crises can be disruptive to the global economy (and even financial market performance), research shows it is typically is a short-lived short-term reaction.

It can be a bit overwhelming how much can happen in such a short span of time. Regardless, our philosophy — built on evidence and research — remains the same.

40% of the world have less than $10k in total assets, with a quarter of these people living in poverty. Whilst there is no official poverty line in Singapore, we are not spared from this statistic either.

By incorporating an income generation asset allocation, inheritance can potentially provide a monthly income (e.g. $4k/month) for decades with the ending capital remaining almost the same as the start, despite enjoying $48,000 per year in payouts.

Assets that promise high-yields but fail to deliver, dividends that can be paused at any time, and a fear that they have started all too late. These can contribute to sub-optimal retirement outcomes.