8%'s Picks

They don't usually make it to the weekly popular list but are worth a read, in my humble opinion. Enjoy!


5 Things You Need To Know About Investing (Oct 2013)

I have always wanted to write something about investing incorporating some well known statistics which I think every investor should know. Only then we can appreciate how the value philosophy will help us win this complicated game...

Investing is About Swapping Cashflows (Dec 2013)

If we strip down to the bare basics of investing, it is swapping today's money for tomorrow's cashflows (or future cashflows). So, you buy a stock at $100 today. What you actually want is that the stock can generate more than $100 in terms of future cashflows into perpetuity...


In economics, competition is the best thing that can happen. Competition brings about lower cost, innovation, improvement and makes economic development possible. Competition goes on until it is limited by other factors. E.g. until all producers are loss-making and can no longer make money...

What's Wrong with HDB Prices? (Apr 2011)

So HDB prices are not overly expensive but everybody blames our Govt for the pitiful state of things. Now new couples cannot afford HDB, not to mention low and middle income families, old folks, the disadvantaged...

Second Level Thinking (Mar 2012)

This is a phrase coined by Howard Marks in his book, "The Most Important Thing". This book is truly a rarity for investors, with both new and old concepts well thought out and written clearly. The best part: the concepts are even valid for institutional fund managers...

More on Financial Freedom (Mar 2010)

So it seems that financial freedom helps to achieve the 3 important things that we want in life: Time, Money and Happiness. This is achieved by trading away 10 to 30 years of doing some job. Someone capable can do it in 10, for most of us, it's 30 years, my dear...

What's Right with Buy-and-Hold? (Sep 2009)

So Buy-and-Hold has its flaws, but the alternative, which is trading is not much better. Empirically, trading has not help generated wealth. But before we come to some conclusion, let's look at the usual Pros with regard to Buy-and-Hold...

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