This post is an addendum to my earlier piece on   Investment Philosophy 101: What Investment Means to Me . If you haven't read it, I'd encourage you to start there. In my earlier piece, I wrote about why I believe in long-term, disciplined investing. The philosophy is straightforward: stay invested, weather the storms, and trust the data. The market rewards patience. But a question I often get asked is this: if we believe in staying invested, when do we ever get out? When do

The war in the Middle East has now entered its fourth week. Like life itself, it has its ebbs and flows. For those of us outside the conflict zone, the impact is felt through higher oil, food, and flight prices—and a general sense of unease. For those living in the region, the cost is far greater: lives lost, fear endured, and trauma carried. War is always destructive. Over the weekend, President Trump claimed that talks with Iran were underway. Iran quickly denied this. Head

I’ve always believed in stewardship. As a financial planner, it’s second nature to watch spending, track budgets, and encourage financial...

My Legacy is the Life I Live. Live Fully, Give Early: Rethinking Wealth and Legacy in Singapore We work hard. We save carefully. And one...

"Retirement isn't just about having enough money—it's about having a life worth retiring into." When we talk about retirement planning,...

“We don’t see the world as it is, we see it as we are.” – Anaïs Nin How Our Inner World Shapes Our Outer Lens We like to think we’re...

I decided to pen down my own personal investment philosophy. I believe that having a philosophy in life, for any area, gives us clarity...

I wrote this article for Autoimmune Diseases SG . The full article is on the page, while here is an abridged version. August is a special...

Earlier this year, I was invited to Catholic Junior College to share with the students on financial planning. This was an interesting...

Are you feeling a little bit down and out about not seeing the performance you expected or had hoped for in your investment efforts?...

Everyone wants big wins. We want to be the first. We want to have a big breakthrough in our work, in our lives. If I daresay, we live for...

I decided to do a personal update for this post. How quickly time flies. It is now mid-year. And a good time to review the year, if you...

So often we’ve been told that hard work is all that we need to succeed. Rags to riches stories encourage us to strive harder and believe...

All financial decisions are emotional decisions. This rang especially true when I read the article by The Straits Times, “World’s biggest...

Tan Ooi Boon wrote a wonderful article on The Straits Times about how high-income earners may be in the problematic position of having...

Earlier, I wrote an article about survivorship bias. We love to study success stories and we try to emulate these people, but we fail to...

An interesting article appeared in The Straits Times on 14 January 2023. Written by Tim Harford, the title was a deliberate click bait...

There are many terms that are being thrown out there, and oftentimes, the terms have specific meanings that are not consistently...

2023 has begun. How do you feel? Since 2020, life has changed so much. Circuit breaker, restricted movements, a new work-from-home...

As I write this reflection, Michael Buble’s lyric punctuates the air: “It's the most wonderful time of the year”. The season of...