Bonds 101

A strong portfolio is one that is well-diversified. Bonds, while inherently lower-risk and lower-yield, provide a balance against higher-risk, higher-yield instruments such as equities. Bonds are debt securities. When the Government and corporations need to take out loans to fund projects, they issue bonds which promise to pay lenders back in a fixed number ofContinue reading “Bonds 101”

Global Industry Classification Standard

What I have graphically mapped out below is probably a useful and efficient investment tool, especially for investors who are interested in diversification across industries. Diversification mixes a wide variety of investments within a portfolio. A well-diversified portfolio consists a mix of distinct asset types, investment vehicles and even across industries to limit exposure toContinue reading “Global Industry Classification Standard”

Why I refuse to fall between the cracks during my retirement

There are people who constantly ask why am I planning for retirement so early or why focus so much attention on CPF 101 hacking. For that matter, also why am I starting so young for my child. Is 55 years ahead too young to plan? How about 30 years ahead? Identify, Exploit, Subordinate, Elevate, Repeat.Continue reading “Why I refuse to fall between the cracks during my retirement”