
GYC Insights
An extensive library of financial articles rooted in research and data-science, written with the experience of decades in the industry.
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.
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?
Investing For the Long Term Doesn’t Always Work
Do you know your odds if you’re betting it all on a single stock? ‘Long term investing’ gets thrown around a lot - but the average max drawdown of single stocks is a bone-crushing -80.7%.
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?
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.
War Is Bad, But Not for Stocks
When it comes to stocks, there are only two circumstances that leads directly to long-term decline: Recession and Financial Crises. In fact, certain data suggests that crisis events actually present good investment opportunities.
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?
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.
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)
Liberation Day and The Biggest Volatility Crash of All Time
The Volatility Index just experienced its biggest crash of all time. Is there a connection to Liberation Day? What does this then mean for markets moving forward?
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)
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.
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.
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?
Demystifying Myths about the U.S. Trade Deficit
While recent news will often highlight the US trade deficit on goods, a fact that is often not talked about is how the U.S. dominates in services, being the largest services exporter in the world.
Have You Heard of The ‘Death Cross’?
The Death Cross showed up last Thursday for the first time since Jan 2023. What does the data say about the near future of markets?
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.
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.