In today's world of finance, the options for investors are more diverse than ever. But as the landscape broadens, the line between investing and gambling often becomes blurred. This distinction becomes particularly poignant when we dive into the stories of individuals navigating through various investment avenues.
Singapore Government Securities (SGS) bonds are often a go-to investment choice for Singaporeans due to their low-risk nature and the assurance of returns. In 2022, the rates on these bonds ranged from 0.5% to 4.4%, offering a seemingly steady investment. However, even these 'risk-free' investments carry hidden risks, the most significant of which is inflation.
In the world of personal finance, you've probably heard the phrase "high risk, high reward". But what does it really mean, and how does it apply to you as a busy professional? Should you therefore avoid all investment opportunities with high returns because they are riskier and can lead you to financial ruins?
If everyone is making money in the ecosystem, then who is losing money? In fact, most projects out there are simply the game of the greater fool - it's alright to be a fool, you just need to bring along a greater fool to recoup your losses.
In this post, I share the list of tools, products, and services that I’ve been using for myself and the rationale behind using them. It covers everything from a savings account, credit card, brokerage, cryptocurrency exchange, mortgage, and even utility account.
You’ve probably read many articles about ditching the $5 coffee, getting the right brokerage, bank, utility account, etc, and buying the right stocks. This article will tell you if you want to reach financial independence, ignore those articles.
With interest rates (or yield, or APY) over 100% on every other Defi projects, one might overlook the level of risk associated with investing in Defi projects. In this post, I will explain breakdown different components of risk associated with Defi products, using models and theories borrowed from business finance.
Decentralized finance has been quite the hype for the past few months and I've finally decided to get my feet wet two weeks ago after my friend repeatedly prompted me to. Here's what I've learned after losing ~$5000 on yield farming.
Buying your first Bitcoin, Ethereum or other cryptocurrencies is scary. Apart from the vast selection of coins, you have to worry about which is the best exchange to buy from. In this guide, I'll compare some of the exchanges that I use and help you select your go-to exchange depending on your profile.
Given a basket of assets, how would you allocation your capital across the different assets to maximize returns and minimize risk? This problem can be seen as a classic optimisation problem in data science. In this experiment, I will attempt to compare the performance of three different techniques, Monte Carlo, SLSQP and Bayesian Optimisation on a simple 3-Fund Portfolio for investors in Singapore