This article will be a short one. In [Does Eliminating Unprofitable Small Caps Improve Long Term Small Cap Index Performance?], I wanted to find out if we get better returns if we are able to have a ...

I managed to have a few conversations this week that sort of involved investing. One of them is a friend who is an adviser at one of the big 3 insurance firms. Another is my friend Rusmin from Fifth ...

Recently, I cited research from Verdad the capture of returns between concentration and diversification. Diversification (vs Total Concentration) – It is also About Capturing Long Term Returns. Light ...

Many friends have asked me to teach them budgeting, how to save money or where to save money. So today i will show you how to budget with Mvelopes, an online budgeting platform that I found recently.

Rene Sellmann has a YouTube channel but keeps most of his Substack talking about what goes on in his personal portfolio. In this article, Rene writes out the intellectual arguments he had with his ...

I would periodically update everyone my personal spending. This is something that I decide to start in 2025 since this blog is less visited compared to last time that I felt comfortable to share. You ...

I have crafted two spreadsheets in the past to help me (and possibly you) look at how it feels like to sell units and spend down from a portfolio in the past: The IJR or iShares Core Small Cap is only ...

One of my friend asked me about my views about a particular AIA Investment Linked Policy (ILP) for his family situation. I gave him some … The insurers who were in the integrated shield plan business ...

FWD Insurance, Singapore Life and Aviva Currently have the Cheapest Term Life Insurance for Dealth, TPD and Critical Ilness. Here is how they stack up against some of the other Singapore Insurers.

Here is the update for my Daedalus portfolio for September 2025. If work is not too busy, I will try to provide an update where possible. I explain how I constructed this portfolio in Deconstructing ...

There is a new issue of Singapore Savings Bonds. I have tracked almost every issue of Singapore Savings Bond since its issue in Oct 2015. This chart shows the 10-year yield (Blue) and 1-year yield ...

One of my friend asked me about my views about a particular AIA Investment Linked Policy (ILP) for his family situation. I gave him some of my views personally but when I read the Product Summary here ...