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The 3 L’s: Liquor, ladies and leverage
The 3 L’s: Liquor, ladies and leverage
“There’s only three ways that a smart person can go broke…‘liquor, ladies, and leverage.” -Warren Buffett
Sin Ting So
Mar 4, 2018
The first index fund, ever, and an introduction to Dimensional Fund Advisors (DFA)
The first index fund, ever, and an introduction to Dimensional Fund Advisors (DFA)
I was lucky enough to attend an intimate conference last week in Hong Kong with some finance “cool kids”: Nobel Laureates Myron Scholes…
Sin Ting So
Jul 8, 2019
True giants of the investment world: Buffett, Templeton, Booth, Bogle, Swensen
True giants of the investment world: Buffett, Templeton, Booth, Bogle, Swensen
There are many famous investors around the world who have achieved great returns, or made it big by betting it right during the financial…
Sin Ting So
Jun 12, 2019
LATEST
Sparking joy: How to Marie Kondo your finances
Sparking joy: How to Marie Kondo your finances
Personal finance doesn’t really spark joy in many of us. In fact, it has been proven that people would rather talk about death than money…
Sin Ting So
Aug 18, 2019
On surge pricing, institutional share classes, and sales incentives: mutual fund (unit trust)…
On surge pricing, institutional share classes, and sales incentives: mutual fund (unit trust)…
Institutional shares classes: What investors need to understand about different share classes before investing in mutual funds
Sin Ting So
Jul 31, 2019
Do Crazy Rich Asians only invest in real estate?
Do Crazy Rich Asians only invest in real estate?
Unless you’ve been living in a cave, it’s probably safe to say that even if you haven’t watched Crazy Rich Asians, you’ve heard about it…
Sin Ting So
Jul 25, 2019
The real cost of staying in cash
The real cost of staying in cash
We rarely hear any warnings about playing it safe. We don’t see headlines that say: “Hoarding cash forces family to file for bankruptcy”…
Sin Ting So
Jul 21, 2019
The very annoying efficient market hypothesis and how to beat it
The very annoying efficient market hypothesis and how to beat it
“I’d compare stock pickers to astrologers but I don’t want to bad mouth astrologers.”
Sin Ting So
Jul 18, 2019
Is it time to kick your coffee habit?
Is it time to kick your coffee habit?
When I was growing up, coffee was an afterthought at the food court. But today Singapore is awash with incredible artisanal cafes — from…
Sin Ting So
Jul 14, 2019
Champions League Glory and Retirement
Champions League Glory and Retirement
“Success isn’t determined by how many times you win, but by how you play the week after you lose” ― Pele
Sin Ting So
Jun 19, 2019
When you can’t see the forest for the trees: a holistic approach to asset allocation
When you can’t see the forest for the trees: a holistic approach to asset allocation
Sin Ting So
Jun 10, 2019
Durians and diversification
Durians and diversification
There are some things we can all agree on. Books are more enjoyable to read in paper form. Durian should be a superfood. Also, that…
Sin Ting So
Jun 10, 2019
Why we are not wired to invest
Why we are not wired to invest
The amygdala — frantically processing mortal danger and financial losses.
Sin Ting So
Jan 7, 2019
What to expect when you’re expecting
What to expect when you’re expecting
We are creatures of habit. When you go to your favourite coffee shop, you expect to get that same coffee, made by that same barista. When…
Sin Ting So
Nov 29, 2018
Are you skilful or just lucky?
Are you skilful or just lucky?
“I think it may be true that fortune is the ruler of half our actions, but that she allows the other half or a little less to be governed…
Sin Ting So
Oct 26, 2018
“I’ll invest when the market crashes”
“I’ll invest when the market crashes”
Why waiting for markets to crash before investing is a losing game
Sin Ting So
Oct 15, 2018
An inconvenient truth — tax on US-listed ETFs
An inconvenient truth — tax on US-listed ETFs
“In this world nothing can be said to be certain, except death and taxes.” - Benjamin Franklin
Sin Ting So
Sep 30, 2018
Spoilt for choice: ETFs vs Mutual Funds
Spoilt for choice: ETFs vs Mutual Funds
You walk into a restaurant, get seated, and you’re handed a book. It’s the menu masquerading as an encyclopedia — page after page, there…
Sin Ting So
Sep 9, 2018
Who doesn’t like good value?
Who doesn’t like good value?
“Price is what you pay. Value is what you get.” - Warren Buffett
Sin Ting So
Aug 29, 2018
Don’t worry — you can still undo some of these retirement planning mistakes
Don’t worry — you can still undo some of these retirement planning mistakes
“Experience is the name everyone gives to their mistakes.” — Oscar Wilde
Sin Ting So
Aug 12, 2018
We can all retire as multi-millionaires
We can all retire as multi-millionaires
You can’t just wake up one morning and decide to run a marathon. You set yourself a series of smaller goals before you can get there — from…
Sin Ting So
Aug 6, 2018
What keeps you up at night? It really should be the global pension crisis
What keeps you up at night? It really should be the global pension crisis
“We are more disturbed by a calamity which threatens us than by one which has befallen us.” - John Lancaster Spalding
Sin Ting So
Jul 29, 2018
Them rates go rising: Should I own bonds in a rising rate environment?
Them rates go rising: Should I own bonds in a rising rate environment?
“The individual investor should act consistently as an investor and not as a speculator.” — Benjamin Graham
Sin Ting So
Jul 22, 2018
Getting to that money/hammock moment
Getting to that money/hammock moment
Warren Buffett thinks that the smartest thing your money can do is climb into a hammock and take a nap. (Of course, he’s smarter than us…
Sin Ting So
Jul 15, 2018
Why faster Internet and bond ETFs may not be good for you
Why faster Internet and bond ETFs may not be good for you
Do you remember what life was like prior to high-speed internet? I re-watched You’ve Got Mail recently and was reminded of the torturously…
Sin Ting So
Jul 8, 2018
“Buying a bond only for its yield is like getting married only for the sex” — Benjamin Graham
“Buying a bond only for its yield is like getting married only for the sex” — Benjamin Graham
“Psssst. I know a stock that’s going to make you 10 times your money.”
Sin Ting So
Jul 1, 2018
A guide to getting ripped off: a dictionary on mutual fund fees
A guide to getting ripped off: a dictionary on mutual fund fees
“If fees consume more than 1% of your assets annually, you should probably shop for another adviser.” - The Intelligent Investor (1949) by…
Sin Ting So
Jun 24, 2018
Change is the only constant in life
Change is the only constant in life
AP Photo/Evan Vucci
Sin Ting So
Jun 17, 2018
Mutual Funds Investing — What Are Trailer Fees And How They Eat Into Your Investment Returns
Mutual Funds Investing — What Are Trailer Fees And How They Eat Into Your Investment Returns
Source: PRSSA
Sin Ting So
Jun 10, 2018
The hidden costs of investing in ETFs
The hidden costs of investing in ETFs
“Performance comes, performance goes. Fees never falter.” -Warren Buffett
Sin Ting So
Jun 3, 2018
Finding patterns where there are none
Finding patterns where there are none
Jackson Pollock photographed at work by Hans Namuth
Sin Ting So
May 27, 2018
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