GYC Insights

An extensive library of financial articles rooted in research and data-science, written with the experience of decades in the industry.

Carl Chay Carl Chay

Feeling Rich

Singapore has been ranked as one of the most expensive cities to live in over the past few years. It is important to manage expenses and goals with an integration between wealth and worth.

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Carl Chay Carl Chay
Preview

Tariff News Again

Get ready for another round of tariffs as the news cycle will begin to pick up new rates to be implemented on 1 August, as dictated by President Trump. With positive momentum and trend indicators having triggered, what can we expect from the coming months?

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Carl Chay Carl Chay

It Doesn’t Take a Genius

With 23 stablecoins collapsing in the last 10 years and an average of 300 crypto hackings annually, will the Genius act make a difference?

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Bruce Tan Bruce Tan

Is a Recession Upon Us?

“When the US sneezes, the world catches a cold”. Could the -18.9% between Feb to Apr of the S&P 500 index signal the start of a recession? Let’s review the evidence.

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Bruce Tan Bruce Tan

Worried about the Middle East Conflict

It can certainly be stressful to read about the middle eastern conflicts. With concerns about possible spikes in energy prices and inflation, is this a replay of the 2022 bear market?

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Carl Chay Carl Chay

Mid-Year Recap

Every month has had their own significant event this year, but in June we find that markets are almost back to where they started. Investors cannot afford to sit out of the market indefinitely.

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Carl Chay Carl Chay

Riches to Rags, Building Wealth is Not Enough

Many wealthy individuals who lose everything do so by sticking to the ways they became wealthy in the first place: Concentrating all of their money into one or two investments. (photo is AI generated by artist Arteficialismo)

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Carl Chay Carl Chay

Are US Treasuries in Trouble?

Many investors are worried by the May 16 news that Moody’s downgraded the US government’s debt from AAA to AA. What headlines will usually leave out is that the other 2 ratings agencies did so years ago (S&P, Aug 2011. Fitch, Aug 2023)

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Carl Chay Carl Chay

The Gold Rush

The price of gold has done nothing but go up since 2023. Possible reasons include central banks, tariffs, USD depreciation, recession risks, etc. The common theme for these reasons? Uncertainty in financial markets.

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Carl Chay Carl Chay

Two Conditions to Time The Market

A survey of investor expectations of the stock market showed that the general consensus that now is not a good time to invest, with the recent tariff turmoil, high uncertainty, and low returns. The funny thing is the response was the exact opposite barely 3 months earlier.

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Carl Chay Carl Chay

Are You Protected from SGD Appreciation?

The appreciation of SGD can create a strange situation where you have relatively increased buying power, while also likely experiencing a decrease in your portfolio returns. Are your portfolios poised to handle these fluctuations?

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Bruce Tan Bruce Tan

Markets (seem) to Be Undergoing a Change

Bonds, an effective diversifier to equity market losses. Enter 2022 with double-digit losses. US stocks dominating market returns, outpacing international markets in 12 out of the last 15 years. Enter 2025, currently -10%, with a maximum decline of -19.2%. There is no market rule that won’t be broken eventually.

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Carl Chay Carl Chay

Is The Recession Here Already?

After years of recession forecasts, is the recession finally here? Currently it’s too soon to say, but it seems like investors expect is that tariffs would affect company earnings over the next year.

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