ALL POSTS
The Matthew Principle: Why the Poor have Their Money TAKEN from them!
For the one who has will be given more, and he will have more than enough. But the one who does not have, even what he has will be taken...
Investing is like Trying to Eat Chocolate...in the Desert
It's really hard. --- One of my favorite stories/life experiences is when I had to go to Australia for an army exercise. If you’re...
How to read a Factsheet (for Beginners)
It's not rocket science, but it's not simple either. So. I had a few clients who admitted that they couldn't read the factsheet after...
4 Reasons to purchase a Shariah Compliant Investment Fund
The structure is actually pretty awesome. It took 5 weeks to finish this book and understand the context of its writing, but it’s finally...
5 services you didn't know (but should expect) from your Financial Consultant
Well specifically from me, at least. When people say, ‘Financial Consultant’, ‘Wealth Manager’, ‘Relationship Manager’, ‘Financial...
Looking at Where Debt Has Gone: A Review
For my friend Jonathan Loh. Talking about economics is not my forte, but a reader requested for my opinion on this particular article so...
A Story of Wealth Creation, and Why Investing Isn't a Zero-sum game
ft. Some Simple Investment Concepts I recently got especially annoyed at someone who had been giving fairly bad advice. Maybe it was...
My Philosophy as a Financial Advisor and FAQ I get from Clients
My last two weeks were spent in confinement, i.e., Reservist and although it has not been great on work, it did provide me with time to...
Clearing debts early for a "Peace of Mind" is Overrated - Here's why
A huge range of opportunities open up once you're willing to step out of your comfort zone. There's this line that's been bothering me a...
Shots Fired - 06/11/18
Uncomfortable questions, even for a Maverick. I was at Reservist and it killed me not to be able to produce my own content or have more...
Why 100% of passive fund managers underperform benchmarks*
In late 2016, the Financial Times reported that 99% actively-managed US funds were underperforming. In 2017, Fortune titled their piece,...
Response to Budget Babe's Open Letter: Probably kinda sorta right...
So. Budget Babe recently released an open letter to insurance agents. It was about as well-received as you can expect; she’s a much...
Ditch the Efficient Market Hypothesis if you want to Beat the Market
The EMH stands for the Efficient Market Hypothesis (aka Efficient Market Theory) and it's an investment theory about how share prices...
#FinancialFriday - CPF not enough so how leh?
The news has been abuzz recently with the recent updates to the CPF interest rates. Simultaneously, CNA published a commentary on how...
Response to Dr Wealth's Mutual Fund Article: More work needs to be done
I recently came across the new Dr Wealth article titled, "Should You Invest in Singapore Mutual Funds or Unit Trusts?" and it felt like a...
#FinancialFriday - If not the STI ETF, then What?
Two days ago, I published an article about how the STI ETF is not suitable as a beginner investment. They might be convenient to buy...
Do you know if you can handle these 4 psychological problems of BTIR?
When it comes to investing and insurance, a concept you've likely come across is Buying Term and Investing the Rest (BTIR). BTIR is a...
The STI ETF is NOT for beginners... No matter what the Internet says
The Straits Times Index Exchange-Traded Fund (STI ETF) is often touted as a 'low-cost, low-risk' investment decision suitable for...
Is an Investment-link Insurance Good or Bad? A breakdown of 3 ILP misconceptions
It’s a vicious cycle for investment-linked policies (ILPs). Many online articles misrepresent them and financial agents don’t want to...























