There is no sign of fear in the market. See what Wilfred Ling has to say about this dangerious sentiment in the latest article for SmartInvestor Feb 2007. The article can be downloaded HERE

"A person who can’t work is worst off than being dead." Financial adviser Wilfred Ling tells us why he rates disability insurance more highly than death, total or permanent disability in the latest article for Jan/Feb 07 issue of the Q Magazine. The full article can be downloaded HERE

"The difference between speculation and investment is that the former is concerned with large returns over the short term period while the latter is concerned with gaining reasonable returns over a long period of time. Unfortunately, most people are neither good at speculating or investing.

As a professional investment adviser, I advocate investment as the method of gaining good returns. (I don’t think there is a speculation adviser.) I list three reasons why people are not doing well with their investments. "

This article appeared in the January 2007 issue of SmartInvestor. The full article can be downloaded HERE 

(This article appeared in Sunday Times on 19 February 2006)

BY THE time Patrick Sin's kids are ready for tertiary education in more than 10 years or so, the costs of the courses plus living expenses for four years could total about $200,000.

But the father of three is prepared. Mr Sin, a bank manager in his late 30s, uses a combination of endowment policies, unit trusts and stocks to save up for his children, aged two, eight and 10.

In this article, we shall examine the basic concept of risk and reward in investments and remind ourselves how risk and reward is linked. We then introduce the concept of value-at-risk. The article will conclude with practical applications for all investors.

Many of us started investment during the technology dot.com era which resulted in many losing a lot of money. Due to this bad experience, many people turned away from investment permanently. Others picked up the pieces and move on repeating the same mistakes again. To make mistakes is not unusual but not learning from the mistakes is the worst kind of mistake. In this article, we will go back in history and examine the lessons we can learn from the dot.com bubble so that we can make better decisions in our investment plan.