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…

Last year, my private shield plan rider’s premiums went up from $201 to $373. Singlife Health Plus Private Lite premium went up by 85%. You can read Singlife Shield and…

Not too long ago, I made this observation that there are these people who go to banks and they end up purchasing these investment-linked policies (ILP). And in their mind,…

Larry Williams did his annual video about how he sees 2026. Larry is almost 83 years old and pretty much interested in the markets. These videos that he did shows…

There was a period of time when the insurers decided that instead of using funds managed by their own insurance affiliates (like here, here and here), they would find external…

I went out to meet a friend for dinner a few weeks ago. Halfway through the dinner, my friend asked me a question regarding universal life policy. Are they actually…

A couple of days ago, I made some re-allocation of the global equity allocation of my Daedalus Income portfolio [The latest portfolio update here] Some have commented my portfolio is…

In October this year, I decided to make a solo trip to Bangkok. I actually had a plan last year to make a trip last year. I have not decided…

I came across this article which explains that the best performing income ETFs of 2025 happens to be convertible bond strategies and emerging market local currency funds. The best performing…

I spent the week coding some personal project. I think I am at a certain age where if I am doing something harder that requires me to think, then I…