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Making data driven investing decisions
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Disclaimer
This is a site to publish my findings and research which are based on data science to aid you in your decision making process for investments in stocks and property, particularly in the Singapore market. This site may also contains affiliate links which I may receive a commission if you press on these links.
Please take note that all data and information provided on this site is for informational purposes only and do not represent investment advice. Posts presented are purely representations of my work. There is no guarantee on the accuracy, completeness, suitability or validity of any information on this site. Please consult a financial professional for professional financial advice.
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Can the Average Singaporean Really Retire at 40 With $1 Million?
I recently came across a survey suggesting that more Singaporeans are aiming to accumulate more than $1 million and retire by age 40. At first glance, this sounds ambitious but achievable. After all, Singapore has one of the highest household wealth levels in the world, CPF balances compound over time, property prices have appreciated significantly, and investment knowledge is more accessible than ever. But it got me thinking: How realistic is this goal for the average Singap
datascienceinvestor
18 hours ago5 min read
AI Isn’t Just Disrupting Jobs. It’s Reshaping Wealth.
For decades, Singapore’s professional class operated under a relatively stable social contract. Study hard. Enter a strong industry. Climb steadily. Accumulate assets slowly. Retire comfortably. That model is now being stress-tested by artificial intelligence. Not because AI is suddenly replacing everyone overnight. But because it is beginning to fundamentally change the economics of white-collar work. And perhaps for the first time in years, many Singapore professionals are
datascienceinvestor
May 244 min read
The Modern Wealth Trap: High Income, Low Financial Security
For years, Singapore sold a relatively straightforward formula for upward mobility: study hard, get a stable career, buy a home early, invest consistently, and your standard of living should improve over time. To a large extent, that model worked for an entire generation. But increasingly, many younger Singaporeans feel like they are running faster just to stand still. The reason is simple: the modern wealth divide is no longer primarily about salary. It is about asset owners
datascienceinvestor
May 174 min read
The Optimal Cash Allocation Is Probably Not 6 Months
One of the most common financial advice we hear is this: “Keep 6 months of emergency savings.” It is simple advice, and for many people, good advice. But over time, I started wondering if this framework is incomplete. Because from a portfolio perspective, cash is not just an emergency buffer. It is also an asset allocation decision. This raises an interesting question: Should cash be treated as a standalone emergency fund, or simply as part of your portfolio allocation? The t
datascienceinvestor
May 104 min read
Which FIRE Is Actually Suitable for You?
Over the past few years, FIRE (Financial Independence, Retire Early) has become increasingly popular. But most discussions around FIRE assume it is a single destination. In reality, FIRE is not a fixed outcome. It is a function of: your life stage your asset structure and more importantly, your liquidity This raises a more useful question: Which version of FIRE is actually suitable for you given how Singaporeans build wealth? The Starting Point: FIRE Is Just a Formula Most FI
datascienceinvestor
May 34 min read
2026 Q1 Portfolio Update: Three straight months of negative returns resulting in -5.67% YTD
It has been a really long time since I see three consecutive months of negative returns in my portfolio. Given the turmoil created by the war, I guess it is little surprise that I'm seeing negative returns by the end of Q1 2026 Q1 markets essentially played out in two phases relative to the US–Iran war timeline: a relatively stable start, followed by a sharp geopolitical shock late in the quarter. The conflict began on 28 Feb 2026 with U.S.–Israel strikes , and while equities
datascienceinvestor
Apr 192 min read
The Quiet Risk Most Singapore Investors Ignore: Liquidity
Over the past few months, I have been thinking quite a bit about liquidity. Not liquidity in the financial markets. But liquidity in our personal balance sheets . This thought came to mind after reviewing a few recent statistics about household wealth distribution in Singapore. Singaporeans are known to have one of the highest home ownership rates in the world. But what is perhaps less discussed is how much of our wealth is concentrated in property . And more importantly, how
datascienceinvestor
Mar 163 min read
Are We Holding Too Much Home Equity?
Earlier this month, Ministry of Finance published an Occasional Paper “ Income Growth, Inequality, and Social Mobility Trends in Singapore”. This paper reivew trends in income growth, inequality, and social mobility in Singapore. It also outlines theGovernment’s approach and policies to sustain a fair and inclusive society. This is an update of an earlier paper published in August 2015. This paper highlights various interesting data that intrigue me. The one that caught my at
datascienceinvestor
Feb 223 min read
2025 Portfolio Update: A 15.6% Return For The Full Year. CAGR of 13.2% Since 2021.
When I wrote my 2024 review last year , the CAGR was 12.7% across a 4-year period. The CAGR now stands at 13.2% across a 5-year period after a 15.6% return in 2025. I don’t think this result is too shabby but I was honestly expecting a better result at the end of Q3 2025. When Q3 was concluded, my YTD return was 21.3% and I was expecting that I could end 2025 with a >20% return. Unfortunately, Bitcoin has a different idea and dragged my portfolio down in Q4. The monthly retur
datascienceinvestor
Jan 44 min read
Your Career and Your Home Are Not Separate Decisions. They Shape Each Other More Than You Think.
We often talk about career planning and housing upgrades as if they sit in separate compartments. “Should I take this higher-paying job?” “Should we buy a $2M or $2.5M home?” Most people make these decisions in isolation- evaluating salary, commute time, mortgage affordability, or interior space. But in reality, these decisions interlock . One impacts the other far more than most people realise. Over the past few months, as I discussed with like-minded individuals about long
datascienceinvestor
Nov 30, 20254 min read
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