
GYC Insights
An extensive library of financial articles rooted in research and data-science, written with the experience of decades in the industry.
2025 is Off to A Surprising Start
Could high expectations for the U.S. explain its sluggish start, compared to Europe and the Global market?
Investment Smarts
Would you have guessed that a group of people with the top 2% of IQ scores in the US would underperform the benchmark by 84%?
Risks to Watch For in 2025
3 periods marked by narrow market leadership; will this instance result in the same market crash like the previous two?
Tariff Troubles
Chinese stocks (MSCI China index) have performed +16% over the past month compared to US stocks (S&P 500), only +4.2% so far. Why hasn’t it impacted China yet?
Seek Deep Diversification
When the news of DeepSeek hit, if you held Nvidia stock, you may have experienced a -20% loss; a broader tech sector ETF, maybe -6%; Global stocks, maybe -1%; and with a diversified and balanced portfolio, you might actually have gains at the end of the day.
Changing Tides of The Top Ten Stocks
The year is 2000, IBM fell out of the top 10 list and in 2024, only one name from that list remains, Microsoft. The recent market shakedown caused by DeepSeek bears resemblance to historical changes of old.
+2,695% Return on This Stock
Nvidia stock returned +171.2% in 2024, a spectacular return; but it pales in comparison by almost 16 times to this particular security.
New Year’s Revolution
New year resolutions and investments tend to share the same problem: People lose sight of what made them committed in the first place.
The Predictable Failure of Market Predictions
-12% and +23%. 3500 basis points is the chasm between the prediction by JP Morgan and the actual outcome of the S&P 500 for 2024.
Investment Success
2 of the biggest mistakes you could do in investments are, (1) trying to perform for others, and (2) copying a strategy that might work for someone else but is just wrong for you.
New Year, New Prediction
20% in unrealised returns. That’s what listening to 2024’s predictions, which largely urged for caution and the safety of bonds, would’ve cost you.
Is The US Market Headed For a Decade of Dismal Returns?
Over the past 10 years, the S&P 500 Index returned +13.35% per annum, but in the past century, every time this has happened, it was followed by a decade or more of lamentable performance.
Year-end Checklist
Is everything in order for 2025? Now’s a good time as any to take stock.
These Two Markets Have Beaten The U.S. This Year
With tech and AI dominating media headlines, it might seem like investing in the U.S. was the only option for returns. However, there are two markets that delivered returns higher than the U.S. and one of them is Singapore.
Death and Taxes
Taxes enable governments to provision themselves, distribute wealth and income, and influence societal behaviours. By contributing to SRS, you can reduce your assessable income by the same amount of your SRS contribution.
Markets are Going Through a Shift
From the rise and fall of early internet pioneers to the ongoing AI revolution, history shows that once dominant companies are often overtaken by emerging start-ups. Odds may be stacked against you if you are taking large bets on any particular company in hope of its continued domination.
Conflicting Signals
A $3 million portfolio may sound like a successful milestone, but not when just 3 years ago, that same portfolio was $13 million. A real-life cautionary tale for those investing based on opinions.