<?xml version="1.0" encoding="UTF-8"?><rss xmlns:dc="http://purl.org/dc/elements/1.1/" xmlns:content="http://purl.org/rss/1.0/modules/content/" xmlns:atom="http://www.w3.org/2005/Atom" version="2.0"><channel><title><![CDATA[datascienceinvestor]]></title><description><![CDATA[Helping Singaporeans to make data driven investing decisions in Singapore properties and stocks]]></description><link>https://www.datascienceinvestor.com/home</link><generator>RSS for Node</generator><lastBuildDate>Tue, 07 Jul 2026 13:13:40 GMT</lastBuildDate><atom:link href="https://www.datascienceinvestor.com/blog-feed.xml" rel="self" type="application/rss+xml"/><item><title><![CDATA[2026 H1 Portfolio Update: Big Lag Behind Big Tech in 2026]]></title><description><![CDATA[The first half of 2026 is hardly inspiring for my portfolio. While the index continue to make new highs as the AI narrative continues to dominate the market, my portfolio has taken a little setback. By the end of H1, it is -3.19%. This might not sound so bad. But when you compare it against the index which has a return of +10% by the end of H1, a negative return on your portfolio doesn't seem so small anymore. In the first half of 2026, my portfolio is trailing 13% behind the index. Here is...]]></description><link>https://www.datascienceinvestor.com/post/2026-h1-portfolio-update-big-lag-behind-big-tech-in-2026</link><guid isPermaLink="false">6a47a3c40e6d46569494f421</guid><category><![CDATA[Stocks]]></category><pubDate>Sat, 04 Jul 2026 01:00:16 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/f9fd89_ae65f1d4eba446daa0471608f383f4c4~mv2.png/v1/fit/w_1000,h_750,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>datascienceinvestor</dc:creator></item><item><title><![CDATA[Can the Average Singaporean Really Retire at 40 With $1 Million?]]></title><description><![CDATA[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 Singaporean? Not the...]]></description><link>https://www.datascienceinvestor.com/post/can-the-average-singaporean-really-retire-at-40-with-1-million</link><guid isPermaLink="false">6a1c2ed761de78e3b2123b88</guid><category><![CDATA[Retirement]]></category><pubDate>Mon, 01 Jun 2026 01:00:09 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/f9fd89_b739141fb4004a5b879a970f9a74eb94~mv2.png/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>datascienceinvestor</dc:creator></item><item><title><![CDATA[AI Isn’t Just Disrupting Jobs. It’s Reshaping Wealth.]]></title><description><![CDATA[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 starting to...]]></description><link>https://www.datascienceinvestor.com/post/ai-isn-t-just-disrupting-jobs-it-s-reshaping-wealth</link><guid isPermaLink="false">6a11bde08fa816dacc8124ba</guid><category><![CDATA[Others]]></category><pubDate>Sun, 24 May 2026 00:00:06 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/f9fd89_5a42b6981353403683bf966e73749c93~mv2.png/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>datascienceinvestor</dc:creator></item><item><title><![CDATA[The Modern Wealth Trap: High Income, Low Financial Security]]></title><description><![CDATA[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 ownership. Consider...]]></description><link>https://www.datascienceinvestor.com/post/the-modern-wealth-trap-high-income-low-financial-security</link><guid isPermaLink="false">6a06d4b3ffdf5b83a0252e10</guid><category><![CDATA[Others]]></category><pubDate>Sun, 17 May 2026 01:00:07 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/f9fd89_151df937332f4c63a4eab62c60978cda~mv2.png/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>datascienceinvestor</dc:creator></item><item><title><![CDATA[The Optimal Cash Allocation Is Probably Not 6 Months]]></title><description><![CDATA[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 traditional...]]></description><link>https://www.datascienceinvestor.com/post/the-optimal-cash-allocation-is-probably-not-6-months</link><guid isPermaLink="false">69feacc2ecab90113752bcd2</guid><category><![CDATA[Others]]></category><category><![CDATA[Stocks]]></category><pubDate>Sun, 10 May 2026 01:00:11 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/f9fd89_b364487e04b34c4e9c038cee597ed6d8~mv2.png/v1/fit/w_1000,h_771,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>datascienceinvestor</dc:creator></item><item><title><![CDATA[Which FIRE Is Actually Suitable for You?]]></title><description><![CDATA[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 FIRE strategies are...]]></description><link>https://www.datascienceinvestor.com/post/which-fire-is-actually-suitable-for-you</link><guid isPermaLink="false">69f6cbe17b1c42fb24f7065a</guid><category><![CDATA[Retirement]]></category><pubDate>Sun, 03 May 2026 04:33:30 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/f9fd89_3f419fdc3c9844799333c9589c7ba431~mv2.png/v1/fit/w_1000,h_584,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>datascienceinvestor</dc:creator></item><item><title><![CDATA[2026 Q1 Portfolio Update: Three straight months of negative returns resulting in -5.67% YTD]]></title><description><![CDATA[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 were initially...]]></description><link>https://www.datascienceinvestor.com/post/2026-q1-portfolio-update-three-straight-months-of-negative-returns-resulting-in-5-67-ytd</link><guid isPermaLink="false">69dc7e574760d48e5e917197</guid><category><![CDATA[Stocks]]></category><pubDate>Sun, 19 Apr 2026 00:00:08 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/f9fd89_c2a82c3b4f234607bbe4eff34f4f7408~mv2.png/v1/fit/w_1000,h_744,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>datascienceinvestor</dc:creator></item><item><title><![CDATA[The Quiet Risk Most Singapore Investors Ignore: Liquidity]]></title><description><![CDATA[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 little of it is...]]></description><link>https://www.datascienceinvestor.com/post/the-quiet-risk-most-singapore-investors-ignore-liquidity</link><guid isPermaLink="false">69b69cb65a996f5d66949157</guid><category><![CDATA[Others]]></category><pubDate>Mon, 16 Mar 2026 00:00:26 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/f9fd89_658783dc299f473c96d4004a22f11d47~mv2.png/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>datascienceinvestor</dc:creator></item><item><title><![CDATA[Are We Holding Too Much Home Equity?]]></title><description><![CDATA[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 attention the most...]]></description><link>https://www.datascienceinvestor.com/post/are-we-holding-too-much-home-equity</link><guid isPermaLink="false">6997b5b54c11d313e8998a47</guid><category><![CDATA[Others]]></category><pubDate>Sun, 22 Feb 2026 00:00:27 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/f9fd89_6ed99d918a0e49d4b53dc56b3fa7e657~mv2.png/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>datascienceinvestor</dc:creator></item><item><title><![CDATA[2025 Portfolio Update: A 15.6% Return For The Full Year. CAGR of 13.2% Since 2021.]]></title><description><![CDATA[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 returns for Bitcoin in...]]></description><link>https://www.datascienceinvestor.com/post/2025-portfolio-update-a-15-6-return-for-the-full-year-cagr-of-13-2-since-2021</link><guid isPermaLink="false">695908b2bd1cfb4bde78b54c</guid><category><![CDATA[Others]]></category><pubDate>Sun, 04 Jan 2026 00:01:16 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/f9fd89_b6c9797d0cbf4ab09b1199aaf998da5c~mv2.jpeg/v1/fit/w_463,h_652,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>datascienceinvestor</dc:creator></item><item><title><![CDATA[Your Career and Your Home Are Not Separate Decisions. They Shape Each Other More Than You Think.]]></title><description><![CDATA[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 term financial...]]></description><link>https://www.datascienceinvestor.com/post/your-career-and-your-home-are-not-separate-decisions-they-shape-each-other-more-than-you-think</link><guid isPermaLink="false">692ac3ebce8000f2f4b83b74</guid><category><![CDATA[Others]]></category><category><![CDATA[Property]]></category><category><![CDATA[Retirement]]></category><pubDate>Sun, 30 Nov 2025 00:00:39 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/f9fd89_d5298bc7983044ce99f26dccea99253b~mv2.png/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>datascienceinvestor</dc:creator></item><item><title><![CDATA[2025 Q3 Update: 21.3% YTD Gain And Beating The Market]]></title><description><![CDATA[Q3 ends up being the best quarter for my portfolio. Same as Q2, there isn't a red month. This is quite surprising given that September is...]]></description><link>https://www.datascienceinvestor.com/post/2025-q3-update-21-3-ytd-gain-and-beating-the-market</link><guid isPermaLink="false">68dfc5d360bbdcba436e9784</guid><category><![CDATA[Stocks]]></category><pubDate>Sat, 04 Oct 2025 00:00:28 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/f9fd89_9dc3231fdd954b3a9b49ef5f77079682~mv2.png/v1/fit/w_1000,h_768,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>datascienceinvestor</dc:creator></item><item><title><![CDATA[Climbing The Wealth Ladder By Leveraging (?) ]]></title><description><![CDATA[The past few months have been rather hectic as I began adjusting to life with a new member in the family household. That probably also...]]></description><link>https://www.datascienceinvestor.com/post/climbing-the-wealth-ladder-by-leveraging</link><guid isPermaLink="false">68c5110a1b086e7d4ada4a6a</guid><category><![CDATA[Others]]></category><pubDate>Sun, 14 Sep 2025 00:00:10 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/f9fd89_205f9e5ad31a43aeb53a0a6a7bb69692~mv2.png/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>datascienceinvestor</dc:creator></item><item><title><![CDATA[2025 1H Update: 11% Gain Despite A Crazy 1H]]></title><description><![CDATA[I think most would agree with me that 2025 1H is kinda crazy. The market had one of the worst drawdowns in recent years in the February...]]></description><link>https://www.datascienceinvestor.com/post/2025-1h-update-11-gain-despite-a-crazy-1h</link><guid isPermaLink="false">68677c5302e2c0b5efe85b63</guid><category><![CDATA[Stocks]]></category><pubDate>Sat, 05 Jul 2025 00:00:26 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/f9fd89_72ed5b3b9ddc47efb8e936efddaf6400~mv2.png/v1/fit/w_1000,h_714,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>datascienceinvestor</dc:creator></item><item><title><![CDATA[2025 Q1 Portfolio Update: Decent 3.5% return YTD and beating the S&#38;P 500 over a 51 months period]]></title><description><![CDATA[There were some expectations that 2025 isn't going to be a very good year for equities. Little did we know that it is on course to be a...]]></description><link>https://www.datascienceinvestor.com/post/2025-q1-portfolio-update-decent-3-5-return-ytd-and-beating-the-s-p-500-over-a-51-months-period</link><guid isPermaLink="false">67f11bb9cbac1441ac413930</guid><category><![CDATA[Stocks]]></category><pubDate>Sun, 06 Apr 2025 00:00:08 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/f9fd89_fdf558ae748c48a9bff2c0a71bc64873~mv2.png/v1/fit/w_1000,h_752,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>datascienceinvestor</dc:creator></item><item><title><![CDATA[2024 Portfolio Update: A 35.5% Return For The Full Year. CAGR of 12.7% Since 2021.]]></title><description><![CDATA[After 4 years of publishing my portfolio returns, I almost beat the market (S&#38;P 500). The total return of my portfolio since January 2021 is 61.3%. The index has a return of 64% in the same period. The CAGR of my portfolio now currently stands at 12.7% after 4 full years. Not too shabby I guess but I still feel a little gutted to be lagging the market by a little. For those who have been following my blog, I constantly publish my portfolio updates over the past 4 years. In case you are new to...]]></description><link>https://www.datascienceinvestor.com/post/2024-portfolio-update-a-35-5-return-for-the-full-year-cagr-of-12-7-since-2021</link><guid isPermaLink="false">67773ab6bd89553a61ac367d</guid><category><![CDATA[Others]]></category><category><![CDATA[Stocks]]></category><pubDate>Sun, 05 Jan 2025 00:00:14 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/f9fd89_70b5dec36adc45f3bb8123598d167dd5~mv2.png/v1/fit/w_470,h_658,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>datascienceinvestor</dc:creator></item><item><title><![CDATA[Signs of An Impending U.S Recession in 2025?]]></title><description><![CDATA[History doesn't repeat itself, but it often rhymes. Amongst many charts out there, there is one which has been rather accurate in...]]></description><link>https://www.datascienceinvestor.com/post/signs-of-an-impending-u-s-recession-in-2025</link><guid isPermaLink="false">675d44213ee299bac71270f1</guid><category><![CDATA[Stocks]]></category><pubDate>Sun, 15 Dec 2024 00:00:12 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/f9fd89_1ea145aa6acc4ba1aa98398d52a6e3b4~mv2.png/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>datascienceinvestor</dc:creator></item><item><title><![CDATA[Bitcoin Hitting New High... Against Gold]]></title><description><![CDATA[We all know that the price of Bitcoin has been hitting ATH (All Time High) against USD in recent weeks. In fact, the latest ATH was just...]]></description><link>https://www.datascienceinvestor.com/post/bitcoin-hitting-new-high-against-gold</link><guid isPermaLink="false">674ae7e29d22fccb50626771</guid><category><![CDATA[Cryptocurrency]]></category><pubDate>Sun, 01 Dec 2024 00:00:07 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/f9fd89_0f3d82f5c1b54405a6f8da9f0d753784~mv2.png/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>datascienceinvestor</dc:creator></item><item><title><![CDATA[FIRE via Bitcoin Compounding]]></title><description><![CDATA[Everyone heard of the eighth wonder of the world- compounding. So what happens if you take the asset with one of the best CAGRs in the...]]></description><link>https://www.datascienceinvestor.com/post/fire-via-bitcoin-compounding</link><guid isPermaLink="false">672f4fc9abde9672e8f875ab</guid><category><![CDATA[Cryptocurrency]]></category><category><![CDATA[Retirement]]></category><pubDate>Sun, 10 Nov 2024 00:00:21 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/f9fd89_4f4885383b834b05bdd788b08fd6778a~mv2.png/v1/fit/w_1000,h_474,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>datascienceinvestor</dc:creator></item><item><title><![CDATA[Singaporeans Are Saving Less]]></title><description><![CDATA[When you look at the recent statistics, it's a little alarming that Singaporeans are hitting rock bottom in savings rate in recent years....]]></description><link>https://www.datascienceinvestor.com/post/singaporeans-are-saving-less</link><guid isPermaLink="false">672300488e781a543c03d816</guid><category><![CDATA[Retirement]]></category><pubDate>Thu, 31 Oct 2024 04:43:34 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/f9fd89_b2e636279f9c40fe88c1e0f166aa482e~mv2.png/v1/fit/w_906,h_600,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>datascienceinvestor</dc:creator></item></channel></rss>