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The STI opened at 3,856 this morning but slipped slightly to 3,841 by 9:28am, a 0.1% dip, despite the ruling party's win in GE2025. Local stocks saw positive movements, with DBS and OCBC showing gains. On the global front, markets are reacting to President Trump’s comments about potentially lowering tariffs on China, which could signal a shift in trade relations. The Singapore dollar surged by 5.3% against the US dollar, reaching its strongest level since September 2024. On Market View, Alexandra Parada speaks to David Kuo, Co-founder, The Smart Investor, to discuss more key market movements.See omnystudio.com/listener for privacy information.

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Singapore shares dipped today as markets in the region traded mixed. The Straits Times Index was down 0.31% at 3,811.77 points at about 1.32pm Singapore time with a value turnover of S$569.50M seen in the broader market. In terms of companies to watch, we have Yangzijiang Financial Holding because Yangzijiang Financial is exploring the possibility of spinning off its maritime investment segment into a newly incorporated company to be listed separately on the mainboard of the Singapore Exchange. Meanwhile, from Singapore’s growth outlook turning more cautious in the Monetary Authority of Singapore’s twice-yearly Macroeconomic Report, to Airbus reaching a final agreement to take over some assets and sites from Spirit AeroSystems Holdings – more economic and corporate headlines remain in focus. On Market View, Money Matters’ finance presenter Chua Tian Tian unpacked the developments with David Kuo, Co-founder, The Smart Investor.See omnystudio.com/listener for privacy information.

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Singapore shares moved higher today even as regional investors remained downbeat given US tariff concerns. The Straits Times Index was up 1.18% at 3,764.16 points at 2.09pm Singapore time with a value turnover of S$647.77M in the broader market. In terms of companies to watch, we have City Developments Ltd, after the developer responded to a wide range of questions from shareholders spanning its share price decline to queries from the Securities Investors Association (Singapore). Elsewhere, from movements in the US dollar after US President Donald Trump contemplated whether he could fire Federal Reserve Chairman Jerome Powell, to more on the key economic data points to watch this week – more international headlines remain in focus. On Market View, Money Matters’ finance presenter Chua Tian Tian unpacked the developments with David Kuo, Co-founder, The Smart Investor.See omnystudio.com/listener for privacy information.

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Singapore shares opened lower on Monday, with the Straits Times Index down 1% in early trade. US President Donald Trump paused tariffs on some consumer electronics, easing pressure on tech giants like Apple, but investors remain on edge. Over in the US, bank stocks have tumbled. JP Morgan is down 15%, Wells Fargo has fallen 21%, and Citigroup slid 24% in just two months right as Q1 earnings season kicks off. Back home, the MAS eased monetary policy slightly and lowered its inflation forecast, raising concerns of slower growth ahead. On Market View, Willie Keng speaks to David Kuo, Co-Founder of The Smart Investor, to share more.See omnystudio.com/listener for privacy information.

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Singapore stocks sold off as Asian markets tumbled this morning, following US President Donald Trump’s tariff announcement last Wednesday. The Straits Times Index plunged by 8.5 percent, falling below 3,500 points. This marked the largest intraday decline since the STI crashed 9 percent during the global financial crisis in 2008. Meanwhile, Singapore REITs recorded net institutional inflows in March, rising 1.4% this year. How would the tariff shock unfold in the year ahead? What should investors do? And are Singapore REITs truly a defensive asset class in this uncertain environment? On Market View, Willie Keng speaks with David Kuo, Co-founder, The Smart Investor to find out more. See omnystudio.com/listener for privacy information.

How do you turn your flailing portfolio around if it had an abysmal time in Q1? What were the mistakes you made and what can you do about them to have a fruitful rest of the year? Howie Lim speaks to David Kuo from The Smart Investor and Hugh Chung from Endowus for advice. Synopsis: Every Monday, The Business Times breaks down useful financial tips. Highlights: 02:13 Do not do this anymore 07:04 Noise vs economic data 11:17 Turn things around 13:21 Outlook for the rest of 2025 --- Send us your questions, thoughts, story ideas, and feedback to btpodcasts@sph.com.sg. --- Written and hosted by: Howie Lim (howielim@sph.com.sg) With David Kuo, founder, The Smart Investor and Hugh Chung, chief investment officer, Endowus Edited by: Howie Lim & Claressa Monteiro Produced by: Howie Lim & Chai Pei Chieh A podcast by BT Podcasts, The Business Times, SPH Media --- Follow BT Money Hacks podcasts every Monday: Channel: bt.sg/btmoneyhacks Amazon: bt.sg/mham Apple Podcasts: bt.sg/oeXe Spotify: bt.sg/oeGN YouTube Music: bt.sg/mhyt Website: bt.sg/moneyhacks Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice. Discover more BT podcast series: BT Correspondents: bt.sg/btcobt BT Market Focus at: bt.sg/btmktfocus BT Podcasts at: bt.sg/pcOM BT Branded Podcasts at: bt.sg/brpod BT Lens On: bt.sg/btlensonSee omnystudio.com/listener for privacy information.

How do you turn your flailing portfolio around if it had an abysmal time in Q1? What were the mistakes you made and what can you do about them to have a fruitful rest of the year? Howie Lim speaks to David Kuo from The Smart Investor and Hugh Chung from Endowus for advice. Synopsis: Every Monday, The Business Times breaks down useful financial tips. Highlights: 02:13 Do not do this anymore 07:04 Noise vs economic data 11:17 Turn things around 13:21 Outlook for the rest of 2025 --- Send us your questions, thoughts, story ideas, and feedback to btpodcasts@sph.com.sg. --- Written and hosted by: Howie Lim (howielim@sph.com.sg) With David Kuo, founder, The Smart Investor and Hugh Chung, chief investment officer, Endowus Edited by: Howie Lim & Claressa Monteiro Produced by: Howie Lim & Chai Pei Chieh A podcast by BT Podcasts, The Business Times, SPH Media --- Follow BT Money Hacks podcasts every Monday: Channel: bt.sg/btmoneyhacks Amazon: bt.sg/mham Apple Podcasts: bt.sg/oeXe Spotify: bt.sg/oeGN YouTube Music: bt.sg/mhyt Website: bt.sg/moneyhacks Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice. Discover more BT podcast series: BT Correspondents: bt.sg/btcobt BT Market Focus at: bt.sg/btmktfocus BT Podcasts at: bt.sg/pcOM BT Branded Podcasts at: bt.sg/brpod BT Lens On: bt.sg/btlensonSee omnystudio.com/listener for privacy information.

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Singapore shares rose today as investors look to kickstart the week on a positive note. The Straits Times Index rose 0.22% to 3,934.91 points at about 2.40pm (2.42pm), with a value turnover of S$634.08M in the broader market. In terms of companies to watch, we have DFI Retail Group after the firm announced today the divestment of its Singapore food business to South-east Asian retail conglomerate Macrovalue (Malaysia). Elsewhere, from NIO's net loss deepening for the fourth quarter ended December, to Jack Ma-backed Ant Group reportedly using Chinese-made semiconductors to develop techniques to train AI models at a lower cost – more corporate and international headlines remain in focus. Also on deck – how Singapore’s inflation fell further in February. On Market View, Money Matters’ finance presenter Chua Tian Tian unpacked the developments with David Kuo, Co-founder, The Smart Investor.See omnystudio.com/listener for privacy information.

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Singapore shares inched higher earlier today after data showed the country’s non-oil domestic exports reversed January’s contraction to grow 7.6% in February. The Straits Times Index moved 0.57% higher to 3,857.83 points at about 2.22pm, with a value turnover of S$732.91M in the broader market. In terms of companies to watch, we have Keppel, after the company said today that its wholly owned Kepland Investama is in a dispute over ownership rights for land plots in Jakarta. Elsewhere, from China’s “special action plan” to boost consumption and how global CEOs are reportedly set to meet Chinese President Xi Jinping next week, more international headlines remain in focus. Also on deck – how the US retail operator of Forever 21 has filed for bankruptcy for the second time. On Market View, Money Matters’ finance presenter Chua Tian Tian unpacked the developments with David Kuo, Co-founder, The Smart Investor.See omnystudio.com/listener for privacy information.

Singapore stocks were lower as all eyes remained on escalating trade tensions in the region. That’s after Beijing’s retaliatory tariffs on certain US farm goods took effect today. The Straits Times Index was down 0.17% at 3,908.01 points at 12.20pm, with a value turnover of S$526.29M in the broader market. In terms of companies to watch, we have Hongkong Land, after the property developer on Friday posted an underlying profit of US$410 million for the financial year ended Dec 31, 2024, down 44 per cent from the level seen a year ago. Elsewhere, from how Asian markets reacted to China’s retaliatory tariffs on US farm goods, to oil prices declining on the back of concerns over US import tariffs – more international headlines remain in focus. On Market View, Money Matters’ finance presenter Chua Tian Tian unpacked the developments with David Kuo, Co-founder, The Smart Investor.See omnystudio.com/listener for privacy information.

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If you've spent years successfully managing your own investments, do you really need a financial advisor? That's the question Bob, one of our listeners, sent in. He's got an MBA, knows the markets well, and has always handled his portfolio solo. So, is working with an advisor just an extra expense, or could it actually add real value? In this episode, we break down when and why even experienced investors might benefit from professional guidance and when they're probably fine on their own. Here's some of what we discuss in this episode: Where financial advisors add value that DIY investors might not consider Common financial blind spots or mistakes that smart DIY investors tend to overlook What happens when life changes? What Trent and Brandon would say to investors who are skeptical that an advisor could improve their financial situation Contact: Website: http://bradshawfp.com  Email: office@bradshawfp.com Call: 704-216-2260

Singapore shares inched higher earlier today as investors continue to mull developments relating to City Developments Limited. The counter fell 7 per cent to hit its lowest level since 2009 after resuming trade, per Bloomberg data. As at about 11am (11.07am), the Straits Times Index was up 0.30% at 3,907.51 points, with a value turnover of S$727.90M in the broader market. In terms of companies to watch, we have Haw Par and United Overseas Insurance. That’s because minority shareholders of UOB’s insurance arm proposed resolutions to distribute its holding of 4.27 million shares in healthcare player Haw Par Corporation to shareholders of UOI, among other requests. Meanwhile, from more on CDL to how US President Donald Trump expects to include five digital assets, including Bitcoin, in a new US strategic reserve of cryptocurrencies – more corporate and international headlines remain in focus. On Market View, Money Matters’ finance presenter Chua Tian Tian unpacked the developments with David Kuo, Co-founder, The Smart Investor.See omnystudio.com/listener for privacy information.

What makes self-storage a recession-proof investment? Self-storage has become one of the most resilient and lucrative asset classes in real estate. But what makes it so unique? In this episode, Angel Williams sits down with Joe Downs to uncover the strategies behind self-storage investing, pricing models, and why major players manipulate the market. They also discuss how generational shifts impact demand, the role of technology in facility security, and what investors need to know before entering the space. If you've ever wondered whether self-storage is a good investment or how pricing structures actually work, this conversation breaks it all down.   [00:01 - 04:00] The Psychology of Learning in Real Estate Learning new asset classes is about stacking knowledge, not starting from scratch Self-storage shares 80% of the fundamentals with multifamily real estate The real challenge is understanding industry-specific terminology and operations   [04:01 - 08:23] How Big Players Dominate the Market Large storage companies manipulate pricing with steep discounts, then raise rates drastically Their strategy forces smaller operators to lower rates, affecting competition Customers are often unaware of price hikes due to auto-pay and infrequent visits   [08:24 - 13:49] Generational Shifts & The Growing Demand for Storage Millennials and Gen Z are more likely to use storage than previous generations Smaller living spaces and lifestyle preferences increase storage reliance Self-storage thrives in both economic booms and downturns, making it recession-resistant   [13:50 - 18:05] Security, Technology, and Preventing Theft Modern storage facilities use Bluetooth access to track individual entries Upgraded lighting, fencing, and AI security reduce crime rates Remote monitoring allows facility owners to manage security from anywhere   [18:06 - 23:56] Expansion vs. Optimization: How Investors Maximize Profits Value in self-storage investing comes from expansion or improving operations Some properties hold potential for future development based on market demand Strategic pricing adjustments and marketing drive higher occupancy rates     Key Quotes:   "Self-storage is a sticky business—just like a gym membership, there's never a good time to cancel." — Joe Downs   "Millennials aren't minimalists—they just live in smaller spaces but still want all the same stuff." — Joe Downs     Connect with Joe:   Website: https://www.belrosestoragegroup.com/ LinkedIn:https://www.linkedin.com/in/joe-downs-7990851/   Visit sponsorcloud.io/contact today and unlock $2,000 of free services exclusively for REI Rocks community members! Get automated syndication and investor relationship management tools to save time and money. Mention your part of the REI Rocks community for exclusive offers. Help make affordable, low-cost education summits possible. Check out Sponsor Cloud today!   LEAVE A REVIEW + help someone who wants to explode their business growth by sharing this episode.   Are you confused about where to start? Join our community and learn more about real estate investing. 

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If you've spent years successfully managing your own investments, do you really need a financial advisor? That's the question Bob, one of our listeners, sent in. He's got an MBA, knows the markets well, and has always handled his portfolio solo. So, is working with an advisor just an extra expense, or could it actually add real value? In this episode, we break down when and why even experienced investors might benefit from professional guidance and when they're probably fine on their own.   Show Links & Info: SPC Investing: http://spcinvesting.com/   Schedule A Visit: https://talkstomike.com/

If you've spent years successfully managing your own investments, do you really need a financial advisor? That's the question Bob, one of our listeners, sent in. He's got an MBA, knows the markets well, and has always handled his portfolio solo. So, is working with an advisor just an extra expense, or could it actually add real value? In this episode, we break down when and why even experienced investors might benefit from professional guidance and when they're probably fine on their own.   Important Links: Website: http://www.yourplanningpros.com Call: 844-707-7381   ----more---- Transcript:    Speaker 1: If you've spent years successfully managing your own investments, do you really need a financial advisor? That's a question that one of our listeners sent in, and it works really well, because earlier this month, we had a similar question, but from a business owner's standpoint. So let's tackle it now from the other side and see if we can help you break it down here on Plan With The Tax Man.   Hey everybody, welcome to the podcast. Thanks for hanging out with Tony and myself as we talk investing, finance and retirement. Of course, Tony here is the star of the show, if you will. He's the CPA and the CFP, he's the big kahuna. He's an EA with 30-plus years of experience helping folks get to and through retirement. And Tony, we had an email question that came into the website, yourplanningpros.com, you get lots of emails for things, and this one was based off the podcast. But either way, it was still interesting this month, so we tackled really two of them this month, in the month of February, thinking about the business owner's standpoint from our last episode for a question that had come in about, hey, I've built a nice business, but how do I make a retirement plan out of that? So if folks didn't check that out, feel free to go check out that prior episode, Plan With The Tax Man, on whatever app you like using. You can also find that information on his website at yourplanningpros.com.   And this week, we're going to do a similar question, but this is from Bob, and it's more the DIY, just do the normal thing retirement planning yourself. So Bob's question, Tony, says, "I have an MBA and I understand investments well. I've always handled my portfolio myself instead of having professional help, and I've done pretty good at it, if I'm being honest. So in your honest opinion," he says, "Is there really any reason for someone like me to work with someone like you, an advisor?" So we get a lot of this, and the DIY movement's been very popular the last couple of years.   Tony Mauro: It has, yeah.   Speaker 1: And so, it's certainly a fair question, because a lot of people definitely have taken this route. And Tony, I'll set you up this way, I'll let you just jump right in and tackle it how you want to with his question. But to me, the biggest piece is, is it the accumulation phase he's been working on or the distribution phase? Because it sounds like the accumulation, just based on this question, and that is a whole lot easier, I think, than the preservation, distribution, AKA the retirement phase. But anyway, what do you think?   Tony Mauro: The honesty is it depends, because if he truly is savvy enough that he thinks he is and basically doesn't have a lot of worries about what he's doing and how he's progressing and he feels good about it, we would tell him, "Hey, look," if we were sitting... What we do, the first phase of our whole planning process is we sit the client down and have them basically answer 10 extremely easy questions and we score it, and if they don't, based on their own responses, show some anxiety or worry or need for help, I tell them, "I don't really know why you're here in this meeting because it looks like you've got it under control." So then you have a conversation from there, "Tell me why you are here," and let it go from there.   But I think that where we can lend value, even in the accumulation phase... Because I try to convince people right off the bat, it's not about what investments or whatnot we pick, it's basically about setting a plan, let's make sure all the bases are covered, whether it's accumulating to a certain amount, your estate plan, making sure we're doing it with some tax efficiency, whatnot, and then let's check in regularly and let's make sure that this plan's still on track, and that's really what you're paying for. The investments we choose, we tell them, "Look, if you want to go choose your own, you go ahead. You'll just pay us a fee, just like you would your attorney." If you want us to help you manage that a little bit and you want to give us an asset-based management fee, we do it, but it's fee-only, no matter what. And so, we leave it to the client.   So I do think there's some benefit to a good financial advisor, but you have to understand as a client, any financial advisor that's worth their salt wants to do more than just give you ideas for investments.   Speaker 1: And so, let's look at it from that standpoint, Tony, because yeah, Bob sounds like a very smart gentleman, sounds as though he's able to handle things himself just fine, and many people are in that same boat, and that's great if you're thinking about one section of your finances, your money. So I want to look at it from a couple of different places to give Bob some reference. So the questionnaire and the thing you talked about, that's fantastic, helping people break it down. Is it just the portfolio? Because that's what he mentions, the portfolio. Okay, fine, you've got investment skills, you've done well managing your portfolio, but what about all the other pieces, Tony? So the stuff that we talk about here on the show quite often that maybe a lot of DIY people, A, don't consider, or B, really have much knowledge in or even thought about, like estate planning, just that piece of it, or tax efficiency, retirement income, any of those pieces. Wherever you want to go next, just jump in there. But I feel like those are a lot of things you go, whoa, I didn't even think about that.   Tony Mauro: All those things make sense as far as us as advisors being able to help with. And I think a lot of other things too, as far as somebody brings us their portfolio and they're all chest out and pumped up about look how good I did, and we try to run it through some computer models, just to maybe address some of their risks that they didn't think about maybe. It might be they're overly concentrated in a few securities that doesn't really line up with their overall goal or risk assessment. And then, most of the time, the people that do it themselves generally are trying to time markets to an extent.   Speaker 1: Or match the market, right, they're trying-   Tony Mauro: Or match.   Speaker 1: Yeah, I got 22% in the last two years, so I want to make sure I get that 22%, but your risk exposure is awful high.   Tony Mauro: It's awful high. So we always ask them, "In order to get that, what did you have to do, what did you have to risk to get that, and is that really truly what you want?" And then, the other thing is, let's take taxes into that. If you're investing inefficiently, are taxes knocking down your returns? So a lot of it goes into that, especially on the technical side. But let's say he passes all that and he still thinks he's in good shape and we say, "You know what? You are." And then it's up to the client to say, "Am I going to get some real value out of working with this guy or gal?" And hopefully, it's something that they can definitely do and be better off with us than without us.   Speaker 1: Yeah. And as a CPA, I would imagine, Tony, that one of the things, if the DIYers... Again, accumulating your wealth is a little bit easier nowadays, technology is very helpful, there's a lot of just some good stuff out there. Let's be honest, we've had basically a 16-year bull run. Yeah, we've had a couple of blips through the... But we haven't had a prolonged downturn since '08/09, right?   Tony Mauro: Correct.   Speaker 1: Not a long one, no more than a couple of months. The COVID thing was pretty short-lived, it was a little down in 2021, 2020, obviously, shortly there after COVID as well, little blips here and there. But for the most part, we haven't had a prolonged downturn. But let me get back to the CPA point, from a CPA standpoint, if you're doing really well as a DIYer on the accumulation, have you thought about the tax advantages or disadvantages that you're just not aware of? Especially as you get closer to retirement, pulling your money out from what income sources and what that does to your income, and maybe that triggers IRMA, that's another one that people don't think about often. So there's all these little nuances that we're just not normally aware of.   Tony Mauro: Yes, that's true. And I think another big one that we hear a lot of clients talking to us about is they think that they are doing themselves a great favor by, they hear something on TV or the internet and they'll start pulling money out of their IRA and transferring it to a Roth or their 401(k) into the Roth conversion, but what they don't realize is it's much more tax efficient to just fill up your current tax bracket bucket and then postpone the rest until the next year, because you're needlessly costing yourself taxes when you could spread this out a little bit, and sometimes that can add up to large amounts of money.   Speaker 1: Oh, yeah. And we've talked about Roth conversions here, and I think we think they're a good idea, I don't want to speak for you again. But you've got to Roth it correctly, not just wholesale Rothing, but Rothing over time, for example.   Tony Mauro: Over time, yeah. Because I think a lot of people miss, and certainly outside the tax community, the tax efficiencies or inefficiencies that you can do in investing. Now, is it going to kill you? No. But why leave money on the table, so to speak, and give it to the government, when legally you may not have to?   Speaker 1: Yeah, for sure. All right, Bob, so here's another thought process for you to go through, to work on. Is this what you want to do in retirement? I think that would be another piece. Or even let me go one more, what about Mrs. Bob? Is this what she wants you to do in retirement, or does she have plans? So I think that's the other thing about the DIY side of things. It's great, we can do a lot of wealth accumulation a lot easier, Tony, than we used to could. But when it gets to the preservation phase, which is retirement, A, it's more complicated, B, do you want to spend your time doing that, or do you want to be with your grandkids and your spouse and fishing and golfing and whatever it is that's on your list?   Tony Mauro: And if you don't like it, and I mean really like it, you're going to end up putting it off, and then you're going to miss some things, both in the accumulation stage and definitely in the distribution stage. That's where, like you said before, it does get tricky, especially as you age. And then, you've got to think about long-term planning and some things there, and of course taking an income and distributing properly. And so, I always say it's two stages in life, like you said, it's accumulation, distribution, and each are vastly different.   Speaker 1: Yeah, for sure, totally different animals. And boy, the first time you miss your RMD, you're going to be real mad about that.   Tony Mauro: Real mad about that, and you're going to have to beg the IRS to forgive the penalty.   Speaker 1: Right. One of the other questions that we posed in the earlier podcast this month when we were talking about the business side was the succession plan. So I'll ask Bob, and people like Bob, the same question here, Tony, what is your succession plan? Now, by that, you say, "Well, what do you mean? I don't need a succession plan, I'm my own advisor." Yeah, but you're going to die, we're all going to die, and if you pass away first, which statistically is the case, and again, Mrs. Bob, she might not want to do any of this, she might not have any interest whatsoever, so what is your succession plan for having her taken care of, or vice versa, whatever?   Tony Mauro: Yeah, vice versa. And even if you have this all laid out, whether it's on the computer or a life book, she may not have the same enthusiasm that you do with this and it's going to be difficult for her. I've had clients with this, the husband dies, the husband did it all. Most of the cases, the wife has no idea, not what's going on, but how to manage it and whatnot, nor do they want to. And so, I think that's where an advisor could certainly lend a lot of value in that case as well, and you want to start that relationship before something happens to you preferably, not after.   Speaker 1: Yeah. When you're grieving, it makes it easy to know, hey, when I'm gone, reach out to Tony and his team, they're going to help you.   Tony Mauro: Yeah.   Speaker 1: That kind of thing. Or whoever it might be, but that's the idea. So I'll wrap it up with this. So look, you started off by saying if you're just picking items in your portfolio. And it's still funny, because the term advisor is so loose now across different kinds of fields, many investors believe advisors do just that, Tony, that the only thing that they do is help them pick stocks. And so, what would you say to folks who think, well, I'm going to do it myself because I can pick my own stocks? Because as we've touched on, there's so much more to what you do than just that. But what's your final thoughts?   Tony Mauro: I think my final thoughts there is that I would challenge anybody out there to try to not only match but beat the S&P 500 over long periods of time, and/or match what professional advisors can do. Now, that term is loose,, yes, I'm an advisor, but I'm not an investment advisor out sitting in a mutual fund researching individual stocks and bonds all day.   Speaker 1: Right, not run a broker, right, yeah. And you're not day trading, right?   Tony Mauro: No, we're not doing that. I would challenge you though to see if you can match those things year in, year out, when they're sitting there, who have much more knowledge and access to information than we do as Joe Public. And so, I would say that I don't think you could do it, I really don't, I haven't met anybody yet that can do it over long periods of time. And so, the idea for having someone like us is to keep you on track and get you where you want to go outside of the investment portion of it. If you want to go choose your own investments, again, that's great, but I think you need somebody that deals with the planning portion, day in and day out, to keep you on track.   Speaker 1: Yeah. And think about a company like Vanguard, which is a very low-cost option for people who want to buy and do their own thing, they even talk about the value that advisors bring, they rounded about 3% annually. And they also talk about, from the behavioral analysis side, one of the big pieces that they even talk about that advisors bring to the table with working with folks is that behavioral modification, because we are our own worst enemy.   So Bob might be doing a great job, but what if, all of a sudden, he's been reading a while about some new tech thing or some new cyber coin or whatever, and all of a sudden, you want to risk too much? Having that sounding board is a great idea, not only for Bob, but for Mrs. Bob as well, because it could be like, hey, we're on two different pages when it comes to leaving money to the kids. Bob wants to balance his last check so that him and the Mrs. can spend it all and have a great time, but she wants to leave a bunch to the kids or whatever, or the grandkids. So it's all those other pieces that, I think, having that... Well, Tony, basically that sounding board, sometimes you're like a counselor as well as an advisor.   Tony Mauro: We are, and I can't mention how many times... I like to mention it to the clients who will call up and say, during the good times, "Well, we don't feel like we got as much return as we needed in the previous year," or something. Or the best one is a client or a prospect will say, "Well, I'm going to divide up my between you and another advisor, we're going to see who does the best." And I'd say, "We're not in that game." Not that we're not focused on returns, we are, but I like to tell clients, "Our job is to keep you grounded, especially when the bad news comes out." Because clients, it's inevitable, bad news starts coming out, the markets go down a little bit, they're calling, "Maybe we should go all to cash." And I said, "Based on what? Who said that? And then, when do we get back in? Who's going to tell us, the news?"   And so, just keeping them from blowing themselves up, which they don't really ever see, but I like to sit in the background and say, like you said, "The last, what, 15, 16 years, we kept you in the markets, when many times..." Pick the subject that came out, COVID was the big one, we've got to get out, the markets going to hell and we've got to go all to cash. And it's proven that that didn't need to be the case. We did take a little blip, but they're so far ahead of that now that it's crazy.   Speaker 1: Well, and look at the turmoil that we're in right now too. So we've got a new administration, they're doing things that have never been done before, whatever the side of the aisle you find yourself on, there's a lot... We're $6 trillion in a deficit, that's annual, so we're $35 trillion in debt, but we operate at a $6 trillion annual deficit. You can't run your house that way. If you were running your house, Tony, that every year, you were losing $60,000, let's say, you wouldn't survive real long, unless you're mega, mega rich. And the government's been operating like it's mega, mega rich, and it's not.   However, I digress, point being is that there's a lot of things happening, and the market is reacting fast. There's all this AI stuff, there's this new DeepSeek version of AI from China that says they can do it cheaper and less energy and so on and so forth. Then you've got the fact that tech markets are massively overweighted, and they have been for a number of years. It feels very much like there's a bubble, similar to '08/09 with the housing bubble, and we've got all this stuff happening, and to your point about the markets, people can be edgy and they can be like, "Well, I'm going to panic and jump out." Well, okay, well, if you're 40 years old, that's insane.   Tony Mauro: Yeah, that's absolutely insane.   Speaker 1: Because you've still got plenty of time. And maybe even if you're 55 years old, it's insane. But how do you know if you don't have a plan?   Tony Mauro: Yeah, you don't. I just had a client, he's 55, for example, we've done well, and basically, he watches too much TV. I always get the little hairs on the back of my neck stand up when he's calling, because he's calling now saying, "You know what? I want to be more aggressive. I really think that the markets are going to be booming." I'm like, "What? You're starting to get where I'm thinking maybe we should go a little bit of the opposite, not all, but as you get a little closer to retirement, let's give up some of that risk for more steady returns." And so, it's weird, because when people want to get in, generally, if you ever read anything about it, of course, that's the time to be a little bit spooked. And then, when everybody's euphoria or when the market is tumbling and the blood's in the water, that's obviously when you want to be going like gangbusters and putting money in. But that's short-term stuff. Really, the plan is to stay long-term-focused.   Speaker 1: Yeah, and that's a great point. The market's about the longevity in it, not jumping in and out and so on and so forth. And I get that it's been booming for a while and that's very enticing, so all that stuff we talked about, comes back to having that ear to lean into, "Hey, Tony, what do you think about this? Is this a good idea, bad idea? And could my portfolio handle this, or could it handle that?" And so on and so forth. "And what does that do to my retirement?" And so on and so forth. And then, we didn't even touch on long-term care, so that's another whole piece there, Bob.   So again, you may be doing a great job, but it also may be worthwhile to sit down with an advisor and have an hour conversation and say, "Hey, what are some things that could be missing?" To Tony's point, they can walk you through those steps. They can put you through a questionnaire and just see where you're at. You may be doing a great job, in which case, they're going to pat you on the back, shake your hand and send you on your way. But you may be shown some areas where there could be some improvement, or maybe you just, at some point, decide you just don't want to deal with all of it anymore.   Either way, if you've got some questions, you need some help, hopefully you enjoyed the content this week, we certainly appreciate it, reach out to Tony and his team at yourplanningpros.com. That's yourplanningpros.com. You can find all the information in the show links below of the episode, and you can find us on Apple or Spotify or whatever platform you like using. Just subscribe, the Plan With The Tax Man, with Tony Mauro, from Tax Doctor, Inc. Tony, thanks for hanging out and breaking it down, my friend.   Tony Mauro: All right. We'll see you next time.   Speaker 1: Always appreciate you. We'll catch you guys a little bit later on in the next month. We'll be back in March for more with Tony Mauro.   Securities offered through Avantax Investment Services SM, member FINRA, SIPC. Investment advisory services offered through Avantax Advisory Services. Insurance services offered through an Avantax affiliated insurance agency. Investment strategies discussed in this episode may not be suitable for all investors. Please consult with a financial professional.

If you've spent years successfully managing your own investments, do you really need a financial advisor? That's the question Bob, one of our listeners, sent in. He's got an MBA, knows the markets well, and has always handled his portfolio solo. So, is working with an advisor just an extra expense, or could it actually add real value? In this episode, we break down when and why even experienced investors might benefit from professional guidance and when they're probably fine on their own.   Important Links: Website: https://www.cpweldegroup.com/ Call: 610-388-7705   Financial Planning and Advisory Services are offered through Prosperity Capital Advisors ("PCA") an SEC registered investment adviser with its principal place of business in the State of Ohio. CP Welde Group and PCA are separate, non-affiliated entities. PCA does not provide tax or legal advice. Insurance and tax services offered through CP Welde Group are not affiliated with PCA. Information received from this podcast should not be viewed as individual investment advice. Product discussions and illustrations are hypothetical in nature and will vary based on many factors including, but not limited to, age, health, product, insurance carrier and product design. You should consult the insurance carrier website and policy for detailed information. Content may have been created by a Third Party and was not written or created by a PCA affiliated advisor and does not represent the views and opinions of PCA or its subsidiaries.  For information pertaining to the registration status of PCA, please contact the firm or refer to the Investment Adviser Public Disclosure web site (www.adviserinfo.sec.gov). For additional information about PCA, including fees and services, send for our disclosure statement as set forth on Form ADV from PCA using the contact information herein. Please read the disclosure statement carefully before you invest or send money.

If you've spent years successfully managing your own investments, do you really need a financial advisor? That's the question Bob, one of our listeners, sent in. He's got an MBA, knows the markets well, and has always handled his portfolio solo. So, is working with an advisor just an extra expense, or could it actually add real value? In this episode, we break down when and why even experienced investors might benefit from professional guidance and when they're probably fine on their own. Here's what we discuss in today's show: Beyond just investments, where do financial advisors typically provide value that DIY investors might not consider? What are some common financial blind spots or mistakes that smart DIY investors tend to overlook? How should experienced investors plan for a future where they may not want (or be able) to actively manage their portfolio? What Lee would say to investors who are skeptical that an advisor could improve their financial situation Want to set up a meeting with us? Visit us here: http://talkwithjp.com Get more financial education at http://myretirementclarity.com

Singapore equities began the day in the positive territory, following mixed performance in the US and Europe on Friday. In early trade, the Straits Times Index (STI) rose 0.3 per cent to 3,889.66 points after 35.6 million securities changed hands in the broader market. In terms of companies to watch, we have ComfortDelGro. The land transport operator had said today that it has a “zero-tolerance policy towards any kind of fraud and wrongdoing”. That’s in response to media publications alleging its indirect, wholly owned subsidiaries of scams and fraudulent taxi transactions. Elsewhere, from Singapore’s non-oil domestic exports charting a surprise decline in January, to how new downloads of DeepSeek were suspended in South Korea – more local and corporate headlines remain in focus. On Market View, Money Matters’ finance presenter Chua Tian Tian unpacked the developments with David Kuo, Co-founder, The Smart Investor.See omnystudio.com/listener for privacy information.

See omnystudio.com/listener for privacy information.

If you've spent years successfully managing your own investments, do you really need a financial advisor? That's the question one of our listeners sent in. He's got an MBA, knows the markets well, and has always handled his portfolio solo. So, is working with an advisor just an extra expense, or could it actually add real value? In this episode, we break down when and why even experienced investors might benefit from professional guidance and when they're probably fine on their own.   Contact: Great Lakes Retirement Website: http://www.greatlakesretirementsolutions.com/ Call: 989-401-2949

See omnystudio.com/listener for privacy information.

Singapore shares tumbled at the open today as investors mulled over the impact of tariffs imposed by US President Donald Trump over the weekend. In early trade, the Straits Times Index (STI) slipped 1.5 per cent to 3,800.1 points after 87.7 million securities changed hands in the broader market. In terms of companies to watch, we have Sembcorp Industries, after the energy and urban development company inked a share purchase agreement with CleanCurrent Renewable Energy in the Philippines to acquire Puente Al Sol. Elsewhere, from investors’ reactions to US tariffs on goods from China, Canada and Mexico, to billionaire Elon Musk’s plans for the country’s Department of Government Efficiency – more global headlines remain in focus. On Market View, Money Matters’ finance presenter Chua Tian Tian unpacked the developments with David Kuo, Co-founder, The Smart Investor.See omnystudio.com/listener for privacy information.

See omnystudio.com/listener for privacy information.

Singapore shares started trading in negative territory today, mirroring the global markets. The Straits Times Index (STI) opened down 0.3 per cent at 3,792.54 points after 45.9 million securities changed hands in the broader market. In terms of companies to watch, we have Keppel, after the company was granted a licence by the US to build a 20,000 km subsea cable system linking Singapore to the US. Elsewhere, from Singapore-listed US office Reits surging on the back of US President Donald Trump’s executive order for federal employees to return to work in the office, to how China’s DeepSeek topped Apple’s iPhone download charts, more corporate and international headlines remain in focus. On Market View, Money Matters’ finance presenter Chua Tian Tian unpacked the developments with Chin Hui Leong, Co-founder, The Smart Investor.See omnystudio.com/listener for privacy information.

See omnystudio.com/listener for privacy information.

Singapore shares began trading in negative territory today even as markets abroad finished Friday higher ahead of Donald Trump’s inauguration. In early trade, the Straits Times Index (STI) was down 0.3 per cent at 3,799.97 points after 25.4 million securities changed hands in the broader market. In terms of companies to watch, we have Frasers Property alongside City Developments Limited because the property developers and Sekisui have sold 668 units at The Orie, or around 86 per cent of units put up for sale, over its launch weekend at an average price of S$2,704 per square foot. Elsewhere, more on Asian markets’ reaction before Trump returns to the White House for a second term, to how TikTok started restoring service in the US yesterday – more international and corporate headlines remain in focus. On Market View, Money Matters’ finance presenter Chua Tian Tian unpacked the developments with Chin Hui Leong, Co-founder, The Smart Investor.See omnystudio.com/listener for privacy information.

See omnystudio.com/listener for privacy information.

Singapore equities began the day in negative territory, tracking losses in global markets last Friday. In early trade, the Straits Times Index (STI) fell 0.3 per cent to 3,790.51 points after 36.9 million securities changed hands in the broader market. In terms of counters to watch, we have Stoneweg E-Reit, after it received a “BBB-” long-term issuer credit rating from S&P Global Ratings. That’s on the expectation of stable operational performance and cash flow over the next two years. Elsewhere, from more on Chinese trade surplus soaring to a record last year ahead of US president-elect Donald Trump’s return to the White House, to how TSMC is expected to report a 58% jump in Q4 profits on Thursday – more international and corporate headlines remain in focus. Also on deck – a lookahead to the US banking sector with industry behemoths set to report mid-week. On Market View, Money Matters’ finance presenter Chua Tian Tian unpacked the developments with Chin Hui Leong, Co-founder, The Smart Investor.See omnystudio.com/listener for privacy information.

See omnystudio.com/listener for privacy information.

Singapore shares began the day trading in positive territory as overseas markets closed a holiday-shortened week mixed with anticipation for the incoming Donald Trump administration. In early trade, the Straits Times Index (STI) was up 0.5 per cent at 3,819.13 points after 58.5 million securities changed hands in the broader market. In terms of companies to watch, we have Mapletree Logistics Trust after the REIT’s manager said it is divesting a property in Malaysia for RM31.5 million (S$9.6 million) or 31.3 per cent above value. Elsewhere, from interest in the Johor-Singapore Special Economic Zone to Asian currencies falling to a two decade low against the US dollar, more local and international headlines remain in focus. Also on deck, what to expect ahead of the release of November's US JOLTS jobs report tomorrow night. On Market View, Money Matters’ finance presenter Chua Tian Tian unpacked the developments with Chin Hui Leong, Co-founder, The Smart Investor.See omnystudio.com/listener for privacy information.

See omnystudio.com/listener for privacy information.

Singapore stocks opened flat this morning with a mixed showing from global markets amid light trading volumes with the New Year holiday approaching. In early trade, the Straits Times Index (STI) edged up 0.03 per cent to 3,772.85 points after 51.2 million securities changed hands in the broader market. In terms of companies to watch, we have OCBC, after the bank has agreed to sell its entire 33.3 per cent stake in Hong Kong Life Insurance to a Hong Kong investment holding company for HK$589.3 million (S$103 million). Elsewhere, from US stocks falling across the board on Friday, to shares of South Korean budget carrier Jeju Air slumping to a record low after the country’s deadliest air crash yesterday, more international and corporate headlines remain in focus. On Market View, Money Matters’ finance presenter Chua Tian Tian unpacked the developments with Chin Hui Leong, Co-founder, The Smart Investor.See omnystudio.com/listener for privacy information.

See omnystudio.com/listener for privacy information.

Tom Lauricella, Morningstar Inc global markets editor, explains why the market reacted poorly to the Federal Reserve's interest-rate outlook. The Smart Investor newsletter editor also discusses some of 2024's biggest headlines such as inflation, the broader stock market rally, and new leadership in Washington.Why the Fed Scaled Back from Four Interest-Rate Cuts to Two for 20255Did the Market Bounce Back After the Drop Following the Fed Rate Decision?Why the Fed Isn't Saying They Are Seeing a Stronger Economy in 2025Will Trump's Tariffs Cause Inflation to Rise?Will the Market's Momentum Continue into 2025?High Yields in the Bond Market Are Benefitting InvestorsWill the Trump Administration Boost Bitcoin's Growth?How Investor's Should Approach Trump's Second Term5 Stories Investors Should Watch for in 2025 Read about topics from this episode.  Subscribe to Morningstar's SmartInvestor newsletter.Stocks Tumble on New Fed Rate Forecast—Here's Why Fed Sets Stage For Fewer (or Possibly No) Rate Cuts in 2025 Forecasts for November PCE Preview Show More Moderation in Inflation What to Expect From Bitcoin in 2025 What Higher Bond Yields Mean for Markets in 2025 What to watch from Morningstar.How to Diversify Your Portfolio to Handle a Market CorrectionWhat Higher Bond Yields Mean for Markets in 2025Yes, You Can Still Find Tax-Loss Harvesting Opportunities in 2024A Simpler Medicare Part D Is Coming. Here's How It Could Save You Money Read what our team is writing:Tom LauricellaIvanna Hampton Follow us on social media.Facebook: https://www.facebook.com/MorningstarInc/X: https://x.com/MorningstarIncInstagram: https://www.instagram.com/morningstar... LinkedIn: https://www.linkedin.com/company/5161/

Now that you have your own investment account, here's how to start making investments like a pro! Investing really isn't as confusing as it seems. In this 3-part series, we're going to simplify the stock market so you can start making your money work for you. It's our first day of class, welcome to Finance 101 on the Decision Day Podcast! These bonus episodes will provide you with basic financial knowledge and terminology to help prepare you for life after high school. In this episode my grandpa and I discuss: - The difference between a "bear" and "bull" market. - Should you "buy low and sell high?" - How to handle market changes without emotion. Submit your anonymous questions here: ⁠⁠⁠⁠⁠⁠⁠Google Forms⁠⁠⁠⁠⁠ Send us more money topics/questions that you'd like to understand further! Reach out to decisiondaypodcast@gmail.com or ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@decisiondaypodcast⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ For more: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠LeahLeverich.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Thank you for listening! I can't wait to share a new perspective with you in the next episode.

Investors are shifting focus: WFH policies aren't just perks but vital signs of company resilience and growth. That's the key take-away message of this episode of the Wise Decision Maker Show, which describes why smart investors are looking at WFH policies as the new investment goldmine.This article forms the basis for this episode: https://disasteravoidanceexperts.com/the-smart-investors-edge-why-wfh-policies-are-the-new-investment-goldmine

In this episode, Paul Graham and Michael Tanner delve into the intricacies of oil and gas investing, emphasizing its potential as a diversification strategy for investors. They discuss the distinctions between major oil companies and the mid-sized operators that play a significant role in U.S. production. Tanner explains various investment avenues, including equities, syndications, and direct working interests, while highlighting the importance of understanding fee structures and the potential for monthly cash flow. He also shares insights on the unique cash flow dynamics of oil and gas investments, which may offer more consistent returns compared to traditional real estate, while addressing the challenges of exit strategies in this sector.Tanner further explores the compelling tax benefits of oil and gas investments, noting that investors can potentially write off 70% to 100% of their total investments, making it particularly appealing to high-net-worth individuals. He discusses the differences between syndications, which group multiple projects, and direct working interests, which focus on specific drilling programs, encouraging investors to evaluate sponsors and operators carefully. Additionally, Tanner highlights the long-term viability of oil and gas within the energy landscape, underscoring the growing importance of natural gas and the trend toward vertical wells for quicker returns. Listeners are invited to explore Sandstone's deal evaluation resources and seek personalized advice to navigate this complex market effectively.Highlights of the Podcast00:08 - Introduction to Oil and Gas Investment01:22 - Understanding the Industry03:12 - Investment Avenues07:58 - Fee Structures14:05 - Monthly Cash Flow18:18 - Exit Value Considerations21:04 - About Sandstone22:36 - Tax Benefits of Oil and Gas Investments26:32 - Passive Investment Nature30:45 - Investment Structures35:53 - Five Essential Questions for Sponsors38:27 - Long-Term Outlook on Oil and Gas40:23 - Industry Trends41:43 - Underwriting and Evaluation Resources

The attacks come after Israeli troops invaded Lebanon, in a ground operation against Hezbollah. Thousands have crossed from Lebanon to Syria seeking shelter. What could this mean for these countries whose economies are already struggling? Also, what will Mexico's first female president do for the country's economy? Plus, Canada's international trade minister talks about fears of ending up in a trade war with China.Andrew Peach is joined throughout the show by Hayley Woodin, editor in chief of Business in Vancouver, Canada, and David Kuo from The Smart Investor in Singapore.

The Democratic National Convention continues, with Barack and Michelle Obama expected to address the public. We get the latest.A federal judge in Texas has barred a US Federal Trade Commission rule from taking effect. It was meant to ban agreements that prevented workers from joining their employers' rivals or launching competing businesses. We get the details.'Black Myth: Wukong', a new game made by Chinese developers, has become one of the most played ever on one of the top gaming platforms. We hear about the game's plot, and why it's so popular.Tesla's Chinese-made electric vehicles imported into the European Union will be subject to lower tariffs than those produced by competitors. We listen to the EU's arguments, and look at the implications this can have on the European market. Ed Butler discusses these and more business stories with two guests on opposite sides of the world: David Kuo, financial analyst and the co-founder of the Smart Investor based in Singapore, and Emily Peck, markets correspondent at the Axios news website. .

Property investors and home buyers take a second look! Villa units - the humble single storey dwellings to be found in every metropolitan suburb are being reassessed by a new generation. They may not be fashionable - but they are going to be hot property. In today's show we cover: * Reassessing the villa unit * Why insurance inflation is crunching the housing market* Where is the government's shared equity scheme?* The $99,000 Melbourne apartment (not for everyone)  Sarah Petty, property reporter at the Herald Sun joins wealth editor James Kirby in this episode.See omnystudio.com/listener for privacy information.

Tom Lauricella, Morningstar's global markets editor and Smart Investor newsletter editor, discusses how a strong economy has defied expectations, why it's still worthwhile to invest in bonds, and what to watch for in the second half of 2024.How is the Market Reacting to the Federal Reserve's Interest Rate Forecast?Will the Economy Get a Soft Landing?Nvidia is Driving the Stock Market's Bull RunNvidia Stock Outlook Why We're Seeing More Stock Splits in 2024New Dividends From Mega-Cap Tech Companies What Could Provide a Lift to the Bond Market?Why Investors Should Still Own Bonds Key Takeaways  Read about topics from this episode.  Subscribe to Smart InvestorA Cautious Fed Eyes Just One Rate Cut In 2024 These Stocks Are (Still) Powering the Bull MarketWhat Does Nvidia's Stock Split Mean for Investors? Job Gains Surged Again In May, Dashing Hopes of a Sustainable Slowdown It's Been a Terrible Time for Bonds. Here's Why You Should Own Them  What to watch from Morningstar.4 Reasons Why the Stock Market Has Delivered Impressive Performance Why More Diversification Doesn't Mean Better ReturnsInvest in SpaceX Alongside Elon Musk? Why This Closed-End Fund Is Not Worth the RideMaximize Credit Card Points for Better Trips and Rewards Read what our team is writing:Ivanna HamptonTom Lauricella  Follow us on social media.Facebook: https://www.facebook.com/MorningstarInc/X: https://twitter.com/MorningstarIncInstagram: https://www.instagram.com/morningstar... LinkedIn: https://www.linkedin.com/company/5161/

Tom Lauricella, Morningstar Inc's global markets editor and Smart Investor newsletter editor, discusses some of this year's biggest headlines including the Federal Reserve signaling an end to hiking interest rates, the bond market's performance, and the AI boom.What to Expect from the Fed in 2024Inflation and Housing  Dropping Bond Yields The Magnificent Seven StocksNvidia Stock vs Cisco StockWho Is Next to Benefit from AI?Outlook for Obesity Drug Stocks The Bond Market in 20232024 Outlook Read about topics from this episode.  Fed Inches Closer to 2024 Rate CutsHow Have the Magnificent Seven's Earnings Been Looking?Nvidia 2023 vs. Cisco 1999: Will History Repeat?7 Charts On the AI Stock Boom One Year After ChatGPT's LaunchObesity Drug Stocks: Where to Invest NowThe 4 Biggest Market Stories of 2023 — and What's Next in 2024 What to watch from Morningstar.Why are Active ETFs Everywhere, and Are Investors Abandoning Mutual Funds?Timing the Market Doesn't Work — We Did the MathMake the Most of Your HSA Benefits and Investments in 2024Headwinds Hold Airlines Back, But Check Out These Travel Stocks for the Holidays Read what our team is writing:Tom LauricellaIvanna Hampton Follow us on social media.Facebook: https://www.facebook.com/MorningstarInc/Twitter: https://twitter.com/MorningstarIncInstagram: https://www.instagram.com/morningstar... LinkedIn: https://www.linkedin.com/company/5161/