owning a car in Singapore can be subjective, depending on each individual.
while there are many posts to discuss the pros and cons, the percentage of families owning cars has decreased over the years.
this trend would continue into the future.

happy 59th birthday Singapore!

moo moo is helpful

During this period of uncertainty, it is best to stay on the sideline. In addition, the Fed will also raise interest rates several times this year. There is no urgency to trade the market, especially when it is challenge to predict when the war will end. One thing for sure is that inflation will hit hard.

China is poised to become the world’s biggest economy. Taking a long term view of 5 years and beyond, the announcement by the Chinese authority will lead to a turn around for Chinese stocks.
Most China companies are currently trading at attractively Low PE and money will likely shift in their favour.

My learning insights are as follows:
1. Research on whether a company is a growth or mature company. A mature company is stable and comes with lower returns. While a growth company has more price fluctuations and has potentially higher returns.
2. Look into the ROE and Net profit margin of the company. Compare them against the same industry and similar companies.
3. Analyse the PE ratio and PB ratio to determine if the company is fairly valued. Check against the...

Top investment institutions will not always beat the market. Most investment firm have negative returns taking into consideration the rate of inflation! Their investment returns would even be lower without fiscal stimulus.
on the other hand, if an investor would have entered the market close to or at the bottom and be invested for the long term, he would have much higher return.