Behaviour The Segway that did not change the world: The dangers of confirmation bias in investing Learn about why letting confirmation bias cloud your investment decisions is dangerous, and how to avoid it.
SRS Is the fear of losing derailing your investing plan? FInd out how being averse to short term loss can make investors sub-optimal retirement plans
Webinar Optimising savings and investments for expats in Singapore Find out how best to grow your income as a foreigner in Singapore, how best to make use of SRS as a tax relief, and grow your wealth.
Webinar Webinar: Wealth: The Wellness trend for women Women have historically lacked the confidence in their ability to invest. Financial wellness is no longer a taboo topic as more women take control of their financial independence and build their wealth.In
Investing The gender investment divide: Thinking beyond stereotypes The original version of this article first appeared in The Business TimesI don’t want pink products. The days of taking a ‘pink it and shrink it’ approach of feminising existing male products
Investing Managing and thinking about currency exposure for your portfolio Does your portfolio resemble my drawer? A random jumble of different currencies? How should we all think about our currency exposure?
CPF Should a new Singapore Permanent Resident make voluntary contributions to CPF accounts? As a new Singapore Permanent Resident, one of the greatest benefits is that you’re entitled to participate in Singapore’s pension system CPF. Here are 4 reasons why you should consider topping-up your CPF accounts on your own as a new PR to grow your retirement nest egg.
Behaviour Losing hurts more, but we should persist when it comes to investing Loss aversion is a cognitive bias that plays out in all parts of our lives, from staying in a dead-end job far longer than we should, to stopping us from making smart money decisions.
Personal finance Goals-based investing and why it matters When you invest with a defined purpose of achieving a certain goal, you can better identify the right strategy, how much you need to invest and the appropriate level of risk to take to get you there.
Schedule a Call with an Endowus MAS-Licensed Financial Advisor Schedule a call with a MAS-Licensed Financial Advisor of Endowus, Singapore's first and only digital advisor for CPF, SRS, and cash savings
Personal finance The real cost of staying liquid If your cash deposits are yielding ~1%, you’re losing purchasing power every year due to inflation. Holding a sizable portion of your portfolio in cash will cost you over the long-term.
Personal finance Sparking joy: How to Marie Kondo your finances Personal finance doesn’t really spark joy in many of us. In fact, it has been proven that people would rather talk about death then money. But as Marie Kondo says: “Tidy up your space (finances), transform your life.”
Personal finance When you can’t see the forest for the trees: A holistic approach to asset allocation Sometimes you need to take a step back to see the bigger picture. Money, or rather our investments and life assets are no different.
Investing Durians and diversification As Howard Marks said: “You must be diversified enough to survive bad times or bad luck so that skill and good process can have the chance to pay off over the long term.”
Investing Do Crazy Rich Asians only invest in real estate? Many of the real ‘Crazy Rich Asians’ have indeed built their fortunes on real estate. But is it really better than investing in the market?
Personal finance We can all retire as multi-millionaires Time is your biggest ally here in building up a retirement nest egg. Albert Einstein once said, “Compound interest is the eighth wonder of the world. He who understands it, earns it. He who doesn’t, pays it.”
ETFs & Funds A guide to getting ripped off: A dictionary on unit trust fees A $100,000 investment in a fund earning 7% per annum (a good return), but with a fee of 1.75% versus 0.75% will deprive you of 152% in returns ($152,000) over 30 years
ETFs & Funds Change is the only constant in life: Are index funds truly "passive"? In the media, ‘passive’ and ‘index fund’ are usually joined at the hip, but in reality, the underlying components of an index fund (ETF or unit trust) are far from passive.
Behaviour Finding patterns where there are none: Investing based on patterns We love to draw price charts and find ‘Head and Shoulders’, ‘Double Bottom’, or ‘Triangle’ patterns, then predict where prices will go. But this is largely an exercise in futility.
Behaviour Why less might be more when it comes to investing Professor Iyengar found that the same phenomenon applied to investing in retirement plans. She discovered that when a US retirement 401(k) plan offered only 2 investment options, 75% of employees participated. But when 59 investment options were available, the participation rate dropped to 61%.
Investing Warren Buffett invests like a woman Hedge funds run by women have outperformed the industry average by over 20% over the last decade. The key to wealth creation is staying the course and minimising costs - and it turns out these are behaviour traits more commonly found in the female form.
Behaviour The price is right: Can markets be both irrational and efficient? Market efficiency implies that it is very difficult to beat the market, and this has proven to be true.
Investing The 3 L’s: Liquor, ladies and leverage Leveraged investing isn’t for the faint of heart. Nobel Economist Daniel Kahneman says that we mere mortals are inherently loss averse - we fear loss twice as much as we relish success.
Investing Cash can be such a drag You’ve probably heard the saying - “cash is king.” For a long-term investment portfolio, cash is more like a court jester that just keeps dancing the same dance and drags on your returns.
Behaviour Be still, my beating heart: Time in the market rather than timing the market Markets are humbling and unfortunately, we are not smart enough to time them. What we can control is the time spent invested in the markets. There is an urban legend that Fidelity did a study and discovered that the best performing accounts were those of people who forgot they had an account.
