In the presence of experts…

…, speak less and listen more.

Trying too hard to impress is like stripping in public – you bare your ignorance for all to shame.

Ways to stop yourself before you even start

“You’re at odds with others with much more resources.”

“If it was that good, someone smarter would’ve thought of it.”

“That’s in theory. Real life doesn’t work like that.”

“You’re not qualified enough.”

What to do with your money

Digest these tables and draw your own conclusions.

DecadeAverage Inflation Rate in SingaporeAverage Inflation Rate in US
1960s1.60%2.10%
1970s6.70%7.10%
1980s2.60%5.80%
1990s1.80%2.90%
2000s1.60%2.50%
2010s2.20%1.80%
1960-20202.40%3.80%
Inflation in SG and US since 1960s
Asset ClassLowest Average 1 Year Period Returns since 1960sLowest Average 10 Year Period Returns since 1960sLowest Average 20 Year Period Returns since 1960sLowest Average 30 Year Period Returns since 1960s
Stocks-37.00%-12.30%2.60%5.90%
Bonds-8.10%-4.30%0.60%2.00%
Real Estate-26.20%-4.80%1.60%3.40%
Commodities-43.40%-17.80%-5.50%-1.10%
Cash and Cash Equivalents0.10%0.30%0.90%1.30%
Mutual Funds/ETFs-37.20%-10.60%2.20%4.90%
S&P 500 (Mutual Funds/ETFs)-43.30%-13.90%5.90%7.10%
Cryptocurrencies-83.00%N/AN/AN/A
Lowest Average n Year Period Returns since 1960s