The current reality of ILPs, and why you shouldn’t be naive

[This post is written in response to the article Young Millenial POV: Why I Bought (And Cancelled) Two ILPs] For an article that’s written in 2022, the writer is out of touch with the reality of ILPs (investment-linked policy). There are generally 2 types of ILPs: Traditional ILP 101 ILP Traditional ILP is the planContinue reading “The current reality of ILPs, and why you shouldn’t be naive”

How do I invest in a volatile market?

The last 2 years since the pandemic outbreak has been interesting for investors. As they say, “In every crisis lies an opportunity.” High growth in technology sector as well as healthcare (albeit stagnation after 6 months or so) motivated new and young investors to jump onto the bandwagon. However, it should be noted that theContinue reading “How do I invest in a volatile market?”

Should new investors have bonds in their portfolio?

The following is my answer to a Quora question: “Should new investors, in their 20s, have bonds in their portfolio?” It is a good practice to have bonds in your portfolio. Debt instruments lower the overall risk of your portfolio, and stabilise it in the event that equities drop. Equities have the potential to earnContinue reading “Should new investors have bonds in their portfolio?”

Dollar-cost Averaging or Periodic Investing?

So you probably read DCA is not what you think it is and wonder, was my agent/broker wrong? Did he confuse two different investing strategies? Wide variety of readings in this instance would help you better understand, and not rely on one source of reference. The author at The Simple Sum argues that people useContinue reading “Dollar-cost Averaging or Periodic Investing?”

Dollar-cost averaging (DCA)

Dollar-cost averaging (DCA) is an investment strategy in which you: put in regular contributions (for example, monthly or quarterly) over a period of time (say 3 to 5 years, 10 years, or more; depending on your objective) The strategy is to ride or sail thru investment and market fluctuations such that you buy more shares/unitsContinue reading “Dollar-cost averaging (DCA)”

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