Should I retire or wait?
Retirement can feel overwhelming, especially when markets are volatile and global news seems relentless. The key steps are simple: know how much you need, diversify your investments globally, manage risk carefully, and start as early as possible. This is when risk management takes a front seat.

The world is changing — is your portfolio keeping up?

History reminds us that superpowers have always risen and fallen, bringing shifts in trade, money flows, and reserve currencies along with them. Regularly adapting your portfolio to reflect today's world — not yesterday's — is key.

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.

Get ready as Aug and Sep represent the two worst months in a calendar year for market returns. This typically represents a good opportunity for allocation for long term investors.

It has been proven time and time again that we are unable to predict the future. How then can we prepare for the financial impact of unforeseen events? (i.e. GFC, Covid, Rate hikes, etc.)

Among others, hot topics in 2023 include but are not limited to a looming recession, the Banking Crisis, and a new war in the Middle East. 2024 will come with its own worries and headlines, but It’s important not to let your emotions get the better of you for your financial decisions.

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.

3 things to think about to jump start your financial planning for 2025: Assess your debt position, your financial goals, and your emergency buffer.

Some things you might want to consider before the end of this year to make sure you’re covered financially.

Principles and values are a steadying force in life, and the same goes for investing. They help to establish your investing philosophy, and can help steady you during market sell-offs or times of volatility.

Recent market weakness has many investors worried about what it could mean for their returns, but in the long run, sell-offs and the volatility that globally diversified investors face are just small speed bumps in your goal.

After a depressing 2022 for investors, many prepared for the most widely anticipated recession in history. And yet, markets have defied the bad news by having a decent 1H 2023, with double-digit returns for global stocks.

Money can’t buy happiness, can it? A certain study calculated that happiness in Singapore will cost around S$62,233/year ($5,186/month).

The world economy changes across different time periods, shifting with changes in political power and other disruptions. Your investment portfolio should be constantly and consistently rebalanced to the latest accurate representation of what the world’s investible market is.

Would prices come down this year or the next? We are unable to really predict for sure — but what is certain is that nothing goes up in a straight line.

Whenever you have a sum of money to invest, there are many different things to consider. One decision that regularly stumps a lot of people is whether to put all of their money in at once, or to phase it in over time — essentially a form of dollar cost averaging.

The biggest predictor of happiness is healthy relationships, but it’s a fact that you very much still need money in life to survive. Financial planning is necessary so you can focus on the things that make you happy and lead more fulfilling lives.

Prices in the Market constantly change based on what’s happening at the current moment and what investors think could happen in the future. Don’t be bogged down by what happened last year and instead, look ahead.