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?”

Staying invested with a flexible fixed income approach..

Staying invested with a flexible fixed income approach as inflation bites, an article on JP Morgan’s Income Strategy in navigating the current market environment. While it is a sponsored content, it is a good read. A flexible fixed income approach, to me, would also include a multi-asset fund(s) or portfolio. The key is to stayContinue reading “Staying invested with a flexible fixed income approach..”

Why should you have a concentrated portfolio versus a diversified one?

The following is my answer to a Quora question: “Why should you have a concentrated portfolio versus a diversified one?” A concentrated portfolio consists of a few specific equities and derivatives for the sole purpose of surpassing the benchmark. It maximises potential gain at the expense of very high risk. It works when you makeContinue reading “Why should you have a concentrated portfolio versus a diversified one?”

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?”

What is the Difference between a Bond Mutual Fund versus a Bond ETF?

The following is my answer to a Quora question: “What is the difference between a bond mutual fund versus a bond ETF, and which is a better investment?” A bond fund, also known as a debt fund, is simply a fund that invests in bonds, or other debt securities. Bond ETFs are simply exchange-traded fundsContinue reading “What is the Difference between a Bond Mutual Fund versus a Bond ETF?”

Your Guide to ILPs and a peak into “New ILPs”

The Simple Sum recently posted an article, “Your Guide to ILPs: What You’re Paying for When You Buy Investment-Linked Insurance Policies”. It is a good read, especially for policyholders who may not be aware of the investment allocation or how the policy actually works. It should be noted though that the article is based onContinue reading “Your Guide to ILPs and a peak into “New ILPs””

Will Agribusiness Bonds do well amidst pandemic?

Climate change will cause a profound impact on our food security. Agricultural areas are at risk from the effects of temperature changes. Changes in ocean currents and temperatures will affect fishing and fisheries. Desertification is a risk for many areas. This means the price of putting food on the table will rise, even as qualityContinue reading “Will Agribusiness Bonds do well amidst pandemic?”

“Is Islamic banking viable?”

The following is my answer to a Quora question: “Is Islamic banking viable?” If by viable, you mean to ask if there is there a market for it, then it is because enough people believe in it for it to exist. It is a growing field, and it is evolving. If by viable, you meanContinue reading ““Is Islamic banking viable?””

“Which one is better: a monthly contribution to income protection, or investing the same money every month?”

The following is my answer to a Quora question: “Which one is better: a monthly contribution to income protection, or investing the same money every month?” That depends entirely on your intent, and your need. In the beginning, you need some sort of liability protection, and coverage for loss of income. Pure investment does notContinue reading ““Which one is better: a monthly contribution to income protection, or investing the same money every month?””

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