
GYC Insights
An extensive library of financial articles rooted in research and data-science, written with the experience of decades in the industry.
The Stock Market May Be a Pendulum, But Businesses Aren't
As an investor, unless you can look past the short-term swings in prices, and focus on the long-term power of markets to create wealth, it will be difficult to stay seated and allow your wealth to grow.
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.
When Less Is Not More
Many professional managers of capital and traders will boast of their ability to pick that winning stock or sector. Don’t lose out returns by making a guess. Invest the time-tested way.
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?
All In or Out?
Today, we are able to track market performance in near real-time. This sometimes allow prices to lead us in deciding whether to buy or sell our investments. But actually, one of the most important factors in making this decision is when you need your assets.
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.
The Biggest Mistake
There are academically proven ways to have a positive investment experience. Likewise, there are consistent ways in which people fail in investing; it’s usually a case of either selling in a panic, or failing to invest due to fear.
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.
Does Having More Money Make You Happier?
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.
Current Banking Crisis Shows Why You Must Diversify
Banking crises have happened since the 1840s and the collapse of key players in the financial ecosystem often which lead to widespread panic and a scramble to preserve capital. The question on everyone’s minds is: ‘Is my money safe?’
The Math of Gains & Losses
The gains required to recover losses increases with deeper losses, and on average, it can take 5 years just to breakeven from a -40% loss. How can you structure your portfolio to reduce the probability of experiencing deep losses?
What Returns Do You Get When Interest Rates Are High?
Rising interest rates have been framed as one of the factors for stock market volatility, drawdowns, and other negative outcomes, but what does the historical data show?
Thinking of Switching Up Your Investments?
Making changes to your portfolio can go one of two ways, so the question is: How confident are you that you new allocation would reap benefits? Switch your investments only when there is a real need to.
What If You Retire or Need Income During a Bear Market? — Part 2
Bucketed portfolios of money can help you settle short-term and long-term needs, but often can be a bit of a hassle. However, there is a way to gain those advantages in a fuss free manner by integrating them into a single portfolio.
Should I hold 30, 300, or 3,000 stocks?
Unless your stock picking skills or luck is exceptional, then you would be better off not banking on the off-chance you manage to buy 2.39% of stocks in the market that accounted for all net global wealth creation.