By Spencer Li, CFTe · Last updated: 26 October 2026 Working harder rarely fixes retirement in Singapore on its own, because the five forces that make it hard act on what your savings can buy, while a pay rise only changes how much you earn. Those forces are low returns on idle cash, a CPF […]
Wealth has little to do with your age. Instead, maturity is the key factor in living successfully and accumulating wealth. I’ve seen 40-somethings and 50-somethings behave like school children, and 20-somethings with nothing in their pockets but with an attitude that would put accomplished men to shame. The latter are the superstars of tomorrow. But what is the […]
By Spencer Li, CFTe · Last updated: 26 October 2026 The three trading myths that do the most damage are that leverage raises your risk, that your broker is hunting your stop loss, and that forex is riskier than stocks. Each one is wrong in a way that matters. Leverage changes how much cash a […]
Many people do not realise that small things add up. Like how a small river can cut through rock and form grand canyons, small habits can add up over time to produce vastly different results. This means that quite often, a small change in the way we do certain things can result in huge leaps […]
The 10 Financial Milestones Every Singaporean Should Aim For Last updated: 26 August 2026 · By Spencer Li, CFTe The 10 financial milestones every Singaporean should aim for are: a clean credit history, the skill of budgeting, becoming a “time-investor” who builds skills before chasing returns, full financial independence from your parents, adequate insurance coverage, […]