Moats

In financial planning, sometimes we will be call upon to make some calculation. I think many felt that it has to be always rather personalized but perhaps you don’t have…

The 20-year US Treasury Yield breaches 5% recently. What does that mean? I think not a lot of people buy such a long duration fixed income yield because you are…

What makes a well-engineered software process? This is a question that comes and about my mind these few months. Part of the reason was hearing about some of the frustrating…

I would commonly tell a lot of people: It is good to go through the numbers first, before drawing a strong conclusion. I am quite a numbers person (if you…

I would periodically update everyone my personal spending. This is the update for this month. You can review my past spending logs by going to the personal notes section of investment moats…

There is a new issue of Singapore Savings Bonds. I have tracked almost every issue of Singapore Savings Bond since its issue in Oct 2015. This chart shows the 10-year…

Here is the update for my Daedalus portfolio for April 2026. If work is not too busy, I will try to provide an update where possible. I explained how I…

In one of the chats that I happen to be able to observe, someone shared a video about when a 60/40 portfolio wasn’t working. I did not go and watch…

Legal recruiter Lee Shulin was on this CNA show together with Edwin Tan from the Institute for Adult Learning to give their take on why young workers are walking away…

Last week, I did a round of review about the small regional US banks. The goal is to see their loan exposure to non-depository financial institutions (NDFI). These are the…