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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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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
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
2025 Q3 Update: 21.3% YTD Gain And Beating The Market
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...
datascienceinvestor
Oct 4, 20252 min read
2025 1H Update: 11% Gain Despite A Crazy 1H
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...
datascienceinvestor
Jul 5, 20253 min read
2025 Q1 Portfolio Update: Decent 3.5% return YTD and beating the S&P 500 over a 51 months period
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...
datascienceinvestor
Apr 6, 20252 min read
2024 Portfolio Update: A 35.5% Return For The Full Year. CAGR of 12.7% Since 2021.
After 4 years of publishing my portfolio returns, I almost beat the market (S&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 ca
datascienceinvestor
Jan 5, 20254 min read
Signs of An Impending U.S Recession in 2025?
History doesn't repeat itself, but it often rhymes. Amongst many charts out there, there is one which has been rather accurate in...
datascienceinvestor
Dec 15, 20242 min read
2024 Q3 Portfolio Update: Poised for a strong 2024 with a 23.1% return YTD
Big swings in Q3. We experienced the worst days for stocks since March 16, 2020 in August this year with over $2.9 trillion wiped from...
datascienceinvestor
Oct 5, 20243 min read
When You Missed The Best Days In The Market
What a week for the China market. CSI 300's gain this week is the most since 2008. Yes, you read it right. This is the best week for the...
datascienceinvestor
Sep 29, 20244 min read
Will You Invest In A S&P 500 Equal Weight ETF?
In 1H 2024, just 3 stocks drove 49% of the S&P 500 gains. These three stocks are Nvidia, Alphabet, and Microsoft. If you are looking at...
datascienceinvestor
Aug 25, 20243 min read
Compound Interest Might Save You From Your "Bad Investment Decisions"
Even as the S&P 500 index posts the worst week since April this week, the index is still doing very well in 2024. The index is still up...
datascienceinvestor
Jul 21, 20243 min read
2024 H1 Portfolio Update: A dismal Q2 results in a 13.07% return YTD
The title might sounds contradictory. How can a dismal Q2 results in a 13.07% return YTD? Well, it could if your Q1 return is 18.5%. This...
datascienceinvestor
Jul 1, 20243 min read
Bitcoin Barbell Strategy: A Game-Changer for Beating Market?
A barbell strategy is an investment strategy where you put a good majority (maybe 80%) of your portfolio in a safe asset and a minority...
datascienceinvestor
Jun 2, 20243 min read
This Is The Best Investment I Have Ever Made
If you are clicking into this article expecting that my best investment involves me buying a stock and then selling it within a single...
datascienceinvestor
May 19, 20242 min read
2024 Q1 Portfolio Update: A pleasant 18.5% return
2024 has started off well in terms of investment returns. Continuing on the momentum of a 40+ % return in 2023, the first quarter of 2024...
datascienceinvestor
Apr 6, 20242 min read
Can The Average Singapore Household Achieve Millionaire Status?
Being a millionaire seems to be the pinnacle of financial success for many of the average person on the streets. Being one of the richest...
datascienceinvestor
Mar 24, 20243 min read
The Power of Index Investing: S&P 500 Hits New Record High
The S&P 500 closes at a new record high of 4839 on Friday. It has been almost two years since the index made a new record high. The...
datascienceinvestor
Jan 21, 20242 min read
2023 Portfolio Update (Part 1): A Promising 40% Return
With only one more week to go till the end of 2023, I thought it's time to pencil down my thoughts on my portfolio's performance and...
datascienceinvestor
Dec 24, 20235 min read
The pain of losing $100 is far greater than the joy gained in winning $100
Will you ever take part in a bet where you lose $100 for every tail that comes up in a coin toss and gain $100 for every head that comes...
datascienceinvestor
Oct 28, 20233 min read
2023 Q3 Portfolio Update: Hitting a speed bump
After having a good return of 25% in H1, my portfolio hits a speed bump in Q3. 2023 Performance YTD My Portfolio: 19.19% Vanguard 500...
datascienceinvestor
Oct 1, 20232 min read
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