When it comes to money, even doing nothing has a cost. Over the last 53 years, the Singapore dollar has lost about 76% of its purchasing power. In contrast, investing in a global portfolio would have grown your wealth by 3,684%.

Recent events have shown that investing in complicated investments in order to generate a higher return can have disastrous results for long-term wealth.

As Ben Carlson aptly put it, “Cash on the side-lines does you no good if it always stays on the sidelines.”

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.

Expert advice can be hugely beneficial when it comes to your health or fixing your automobile. However in the world of investments, expert advice seems to be routinely wrong.

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).

Short-term price movements of stocks and bonds can be noisy and volatile, but eventually, prices tend to return to the trend of the long-term fundamental value of assets.

“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.

The S&P500 has been declared to be in a new bull market, rallying almost +24% off its October low, with Global stocks close behind (+20%). You usually see shoppers rush to take advantage of discounts but when stocks are beaten down in price, investors dump their positions. When prices rise, investors get more excited, dive back in and load up on stocks. This is really peculiar behaviour.

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?

Since 2007, investing in the US market has done really well for investors and many have questioned the benefits of allocating to other markets. Let’s take a look at the broader picture.

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.

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.

We all know the adage, “high risk, high return”. However in order to grow your capital, it is not only the returns that matter but the management of risk.

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.

There are investors that prefer buying individual bonds as they perceive its ability not to lose value and have a guaranteed maturity compared to bond funds. But are there more cons than pros?

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.

Bonds have came back into focus as global central banks have embarked on a rate hike cycle. Are direct bonds the right choice for you?