8%'s Picks

If you are looking for stock ideas, we started a paid subscription to share investment ideas every month:
http://8percentpa.substack.com

This page list some interesting posts that don't usually make it to the weekly popular list but are worth a read, in my humble opinion. If you are looking for stock picks, it's on the other page - the Stocks page. Enjoy!

Hierarchy of Financial Needs

We need to think about our financial needs using an analogy from the famous Maslov's hierarchy of needs. It starts with foundation and ends with self-actualization. Just kidding, do read through to see where we are!

5 Things You Need To Know About Investing

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

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?

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

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

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?

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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