Today is the last day of 2022, a year that most in the investing community would treat with humility. After years of runaway gains and heady valuations in stocks, bonds, properties and digital coin prices, we've now been brought back to reality. As Warren Buffet famously said, "it's when the tide goes out that you… Continue reading 2022, It’s A Wrap
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The Negative 10-Year Return of the KLCI
Source: Yahoo Finance The goal of investing is to generate long term returns that beats your personal inflation rate and achieve your financial goals in life. If you've put all your investments in the Malaysian stock market for the past 10 years, you would have soundly failed your goal. As of today November 26th 2022,… Continue reading The Negative 10-Year Return of the KLCI
Strategy for Slow Decline in Stock Prices
When facing recessions, stock prices can take a long a long time to decline to its lowest point. When the dot-com bubble burst in mid 2000, it took about 2 and a half years before the S&P 500 bottomed out. Similarly when the housing bubble burst at the end of 2007, it took a year… Continue reading Strategy for Slow Decline in Stock Prices
The Illusionary US Market Recovery
A lot has been written about the disconnect between Main Street (the economy and businesses) and Wall Street (the stock market) in the US. With record unemployment in the US, reduction in consumer spending and closures of businesses, it was surprising to see the S&P 500 and Dow Jones indices record a 'V' shaped recovery… Continue reading The Illusionary US Market Recovery
An Important Moment In Investing
This post is a follow up from my post 2 weeks ago about trying to time the market in the days of the coronavirus pandemic. At that time, the S&P 500 was down 10% from its peak while the KLCI had dropped to where it was 9 years ago in 2011. In just 14 days,… Continue reading An Important Moment In Investing
2019 and what lies ahead
As I write this article we are less than 2 weeks away from the doorsteps of 2020. It has also been a year since I started financedurian.xyz. How time flies when you are not paying attention. The purpose of financedurian.xyz is to distill all my experience and knowledge in personal finance and investing into a… Continue reading 2019 and what lies ahead
A Cheap Way for Malaysians to Buy US Stocks
Layer 6 of the Asset Allocation model: Diversified Index Funds The 6th layer of your Asset Allocation model is to invest in diversified index funds (read: these are NOT unit trusts) in the form of Exchange Traded Funds (ETFs). ETFs are all the rage today in the developed markets and there are almost 2,000 of… Continue reading A Cheap Way for Malaysians to Buy US Stocks
EPF’s Negative Reserves
Back in February 2019 I wrote an article explaining how the EPF, the Malaysian retirement fund is able to pay out a dividend of 6% despite the poor performance of many asset classes in 2018. The answer is that EPF draws from its reserves that was built over many years, selling assets such as bonds… Continue reading EPF’s Negative Reserves
The Finance Durian 