GYC Insights
An extensive library of financial articles rooted in research and data-science, written with the experience of decades in the industry.
It is OK to be Average
Getting a good investment outcome is not about getting a leg up on the competition. Superior skill or intellect (measured in IQ) does not lead to superior investment outcomes (quite the opposite in fact).
Embrace Market Weakness
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.
Why is Pessimism Popular?
The quick 20-month turnaround has many strategists changing their doomsday tune, and many new products that claim to offer capital protection while enjoying equity returns are popping up in the market.
Why Do We Still Listen to Forecasts?
Many people listen to the forecasts because to them, getting it right could mean a windfall and a false sense of certainty to something which is highly unknowable.
Long-Term Investment? Doesn't Work All the Time
Buying to hold blue chips stocks for the long term is quite common advice, but data shows that in the long run only a handful of them retain their value, let alone increase it. Why is this so?
Waiting for Godot
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.
It's Really Hard Not to Panic
“Don’t panic” and “Invest when markets are down” is usually easier said than done. Going through volatile markets can feel like a really long time, but when zoomed out, it is but a mere blip in history.
Can AI Invest Better Than Me?
AI in investing has actually been around for a bit, some active investors and traders have attempted to get an edge on others through AI tools that retrieve and process data. Is AI able to give investors a leg up against the competition?
Bubble or a New Era?
A new buzzword emerges: Artificial Intelligence (AI). Should we be diving in to invest in this? After all, they could be the next big thing like Google or Apple — but it is not the first time that the human race has developed something new and exciting.
Standing The Test of Time
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.
Invest All At Once or Bit by Bit?
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.
After a Bad Period For Markets, What Next?
News cycles can be negative, while the stock market continues to trend upwards in 2023. Market sell-offs tend to feed upon itself, culminating in a few days of intense losses — but this is always temporary. Most of the time, bad years are followed by good recovery years.
Chasing Blue Chips
Blue-chip stocks are typically large companies with good reputations which often inspire the assumption that they will always be around, but even they can fall by the wayside eventually; are you certain that your blue-chip stock will continue to give you the returns over the long-term?
Concentration Builds & Destroys Wealth
The stock market is a tried and tested way to build wealth at the tradeoff of volatility and risk. There are multiple ways to manage both but with SVB’s collapse serving as a cautionary tale, we believe in employing evidence-based protocols.
It's Going to Get Better
The market actually does worse before a recession as compared to during a recession itself, and if you’re holding the right assets, a recession is nothing to be scared about.
How Much Emerging Market Investments Should We Own?
The rapid rise of countries and economies in our region often comes the promise of higher-than-expected market returns, albeit with more risk. But what does the data have to say in response to the allure of the Asian Growth Story?
Forward Looking Markets
Future economic circumstances are reflected in current market prices. Investing based on today’s news can almost be a year (or more) too late.
Worries Abound, But Investment Returns Will Still Come
While negative returns are part and parcel of investing, it happens less often than you think. The past four years are actually very representative of how markets work in general — positive returns 75% of the time, and losses, 1 out of 4 times.