How is your net worth distributed now, and is it inflation-proof? Inflation is dubbed ‘the silent killing of retirement planning’. GYC weighs in on an article that was featured on Channel News Asia (CNA).

The report card for investing in 2022 is about to be sealed into history. Does your current mix of investments help achieve your financial goals?

There are many ways you can go about it , but here are a few simple ways you can to maximise your savings before 2023 arrives.

With the vast leaps and improvement in technology, we are now able to receive frequent updates of price movements of the investments we buy. This frequent refresh can be both a blessing and a curse — especially when it triggers our behavioural biases.

When it comes to money, many don’t cater enough margin of safety. Just like buying travel insurance before a holiday, or having a wet-weather plan for an outdoor event, your financial plan should have some contingencies and room for unforeseen circumstances.

$10,000 invested into diversified stocks in 1928 would have grown to more than $118 million today. Market crises and economic fluctuations may appear large and insurmountable as we are going through it but in the grand scheme of things, it is just like a drop of water in the ocean.

A study found that 70% of families lose all of their wealth by the second generation, with that number increasing to 90% the third generation. There are many books or strategies written teaching you how to get rich, but how do you actually protect your riches when you get to where you want to be?

Ronald Read died at age 92 with assets over US$8M. Having worked as a gas station attendant for over 20 years and later swept floors at a department store, many were shocked at his accumulated wealth. There is no other industry in the world besides investing where an inexperienced person is able to get a leg up on the best and brightest. Why is this so?

A profound sense of anxiety can rise up when we see our investments fluctuating dramatically when markets are turbulent. However, the fear and problems that we think are there, usually seem larger than they actually are. When thinking about investments, the short term fear smooths out to relief when you take a long term view.

With the swings of the market this year having people go from euphoria to depression, it is likely that investors are itching to change their investments or strategies responsively, and perhaps they’ve already done so. But more action doesn’t always mean more returns.

It has been 14 years since the last significant market sell-off and now we are here again!

Many investors worry that the present market environment of rising interest rates will decrease equity valuations and therefore lead to relatively poor equity market performance over the next year or more. From a theoretical perspective, how do these rate hikes affect the market?

At the time of writing, we’re looking at a sell-off of-22.8% in global equity markets; if you are invested in the right asset classes, with proper risk and portfolio management, the forward returns could be tremendous.

Research shows that using famous people for marketing campaigns works wonders, but the collapse of celebrity endorsed investments such as cryptocurrencies and NFTs has lost many people money. How do you sift through the noise for good investment advice?

Global stocks may be down this year (YTD), but the odds are in your favour.

It would be hard not to take notice of the stock markets this year. The last time both stocks and bonds suffered double-digit losses was 1973. Granted, it was a different time back then, but what can we expect going forwards?

Knowing which industry will skyrocket may not be as useful as you may think. Only a minority of stocks are about to beat the US broad market on average over 5 and 20 year periods.

Most people assume that to do well or get ahead in investing, you would need to have extreme intelligence or skills to do so. But not really, you just need to be normal.