To The Moon

If I had $10,000 to invest today, I wouldn’t try to time the perfect entry. I’d put around 50% into broad-market ETFs, 15% into quality financials/dividend stocks, 10% into gold, 15% into short-term fixed income or money-market funds, and keep 10% cash ready for opportunities. “Higher for longer” is both risk and opportunity. Expensive growth stocks and highly leveraged companies could remain under pressure, while banks, insurers and cash-generating businesses may hold up better. At the same time, higher yields make cash and short-duration bonds genuinely useful again. I’d expect rates to stay relatively restrictive until inflation is convincingly under control, so I wouldn’t rush to go all-in. But if the market fell 10–20% without a major deterioration in fundamentals, I’d gradually depl

B for me. Singapore has strong advantages in infrastructure, regulation, connectivity, capital and its ability to attract global companies and talent. That gives it a credible chance of becoming one of Asia’s major AI hubs. However, competition from China, Japan, South Korea, India and other regional economies will be intense. Singapore’s smaller population also means developing and attracting enough AI talent will be crucial. I would consider moving into an AI-related career, especially a role combining AI with my existing expertise rather than starting completely from scratch. I think AI literacy will increasingly become valuable across almost every industry, not just technology. 🤖🇸🇬

For me, the roughly S$1,900 annual tax saving alone would not justify locking S$15,300 into SRS. The bigger question is how that money is used afterwards. If it simply sits in cash earning very little, I would rather retain the liquidity. But if the SRS funds are invested in diversified ETFs for 10–20+ years, the combination of tax savings and long-term compounding becomes much more attractive. I see SRS as a tax-advantaged investment account rather than just a way to reduce this year’s tax bill. Liquidity still matters, especially for housing, emergencies and other major expenses. So I would prioritise building sufficient liquid savings first, then use SRS for long-term investing. The tax saving is a bonus; compounding is the bigger reason. 📈

I’m still working towards my 2026 investing goals, but I’m happy with the progress so far. 📈 My biggest lesson this year has been that consistency matters more than trying to predict every market move. Instead of chasing whatever is performing well, I’ve been focusing on regular investing, broad diversification and keeping enough cash on the sidelines for my other financial goals. I’ve also become much more conscious of fees, FX costs and fund structure. Small differences may not seem important today, but over 10–20 years, they can add up. For the rest of 2026, my goal is simple: keep investing consistently, avoid making emotional decisions when markets become volatile, and continue building a portfolio that I’m comfortable holding for the long term. There will always be another rally, co

🎢📈💎 , a bumpy September, but still up and holding.

A. Below 100K. My prediction is around 90K jobs added in September. The labour market does not look like it is collapsing, but hiring appears to be cooling despite relatively low layoffs. For the bonus question, I think Treasury yields move first if payrolls significantly beat expectations. A strong jobs print could quickly shift expectations towards tighter Fed policy, pushing yields and the U.S. dollar higher. Stocks, especially rate-sensitive growth and tech names, could then come under pressure as higher yields are priced in.

B. More AI infrastructure & R&D. Nvidia’s strongest advantage is its technology ecosystem, so I would prioritise reinvesting cash flow into the next generation of GPUs, networking, software and AI infrastructure. Buybacks can improve per-share metrics, but sustained R&D investment could strengthen Nvidia’s competitive position as AI technology evolves. I would still support selective buybacks or acquisitions, but innovation should remain the core priority while AI demand continues to expand.

B. Growing staking income. Reaching a large ETH ownership target is eye-catching, but I think the more important question is whether those holdings can generate sustainable returns. Staking turns ETH from a passive treasury asset into an income-producing one, potentially compounding the value of BitMine’s holdings over time. ETH price appreciation would certainly help, but staking income gives the strategy another source of returns that is not solely dependent on price going up.

If interest rates stay higher for longer, I would not sit entirely in cash waiting for the “perfect” entry. I would adjust my allocation, keep investing, and make higher yields work in my favour. The latest Fed decision reinforces this scenario. In September, the Fed raised the federal funds target range to 3.75–4.00%, while its median projection puts the policy rate at 4.1% at the end of both 2026 and 2027. Inflation is also projected to remain above the 2% target for some time. If I had $10,000 to deploy today, my allocation would look roughly like this: 📈 $5,000 – Global/U.S. equities I would continue accumulating diversified ETFs rather than trying to time the bottom. Within equities, I would favour profitable, cash-generative companies with strong balance sheets. Higher borrowing cost

Oil above US$100 changes the market equation for me. The biggest issue is not simply higher petrol prices, but the chain reaction: higher energy and transport costs → higher inflation → higher-for-longer interest rates → pressure on corporate margins and equity valuations. 🟢 Potential winners: Energy Oil producers such as $Exxon Mobil (XOM)$, $Chevron (CVX)$ and $ConocoPhillips (COP)$ should generally benefit if crude remains elevated because higher realised oil prices can translate into stronger cash flow. Refiners may also benefit when refining margins are favourable. We have already seen this rotation: when Brent moved above US$100 on 9 September, the S&P 500 Energy sector gained 1.1% while every other S&P sector declined. 🟡 Technology: Strong fundamentals meet a macro headwind