GYC Insights

An extensive library of financial articles rooted in research and data-science, written with the experience of decades in the industry.

Carl Chay Carl Chay

2 Things We Are Thinking About

Investors seem to be worried about whether growth can continue and, with what’s going on in the US juxtaposed against its stellar track record, what should they be doing. What can the data tell us?

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Bruce Tan Bruce Tan

The Opportunity in Markets Today

Many market commentators have expressed their worry over the present sky-high valuations and market concentration, suggesting that these bring grim expectations for future returns. Breaking down the data allows us to consider whether that’s a reasonable assumption.

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Carl Chay Carl Chay

Good Odds

People often treat the stock market like a casino and actually, there is no other game of chance that such positive odds of winning like investing can, provided you take certain actions to stack the odds in your favour.

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Carl Chay Carl Chay

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%?

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Bruce Tan Bruce Tan

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?

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Carl Chay Carl Chay

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?

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Carl Chay Carl Chay

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.

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Bruce Tan Bruce Tan

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.

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Bruce Tan Bruce Tan

+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.

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Carl Chay Carl Chay

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.

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Carl Chay Carl Chay

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.

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Carl Chay Carl Chay

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.

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Bruce Tan Bruce Tan

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.

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Carl Chay Carl Chay

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.

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