1. Clearing the Trash: Investment Pitfalls in 2024 i. Overconfidence in speculative assets. ii. Neglecting diversification. 2. Assets Investors Should Avoid in 2025: i. Overleveraged companies or industries vulnerable to economic downturns. ii. Speculative investments without clear fundamentals or realistic growth prospects. iii. Companies or sectors with declining demand or excessive regulation risks. 3. Investment Plan for 2025 Core Investment Strategies: i. Diversification: Building a balanced portfolio across asset classes, including stocks, bonds, and real estate, to mitigate risks. ii. Low-cost broad market index funds iii. Fixed-income assets: Allocating funds to bonds or treasury securities for stability in a high-interest-rate environment. 4. Emerging Opportunities for 2025: AI an

Owning NVDA can help you grow wealth, but it’s not a guaranteed path to becoming a millionaire. NVIDIA dominates AI and chips, with strong revenue and earnings growth, plus bullish analyst targets—but much of that optimism is already priced in. High valuation, export risks, and market volatility mean overexposure is risky. The smarter route is to include NVDA as part of a diversified portfolio—say 10–20%—while investing consistently in broader assets like ETFs or index funds. Becoming a millionaire depends on your savings rate, time horizon, and risk control, not a single stock. In short: NVDA can accelerate wealth, but discipline and diversification build it sustainably.

You’ve raised an important question — one many investors are asking now: if tech’s leadership is cooling, could “old-giant” sectors really resume the mantle? Below I’ll provide a reasoned, professional take in three parts: what supports a rotation to traditional industries, when that might be a temporary rally versus a broader shift, and which traditional sectors may have the most upside potential this year. --- 1. Is this merely a temporary rally or the start of a broader shift back to classic winners? Support for a broader shift The theory of “sector rotation” says that as the economy (and market) passes through different phases, capital tends to shift from sectors that have run hard into those that were out of favour.  Recent flows and headlines appear consistent with a rotation aw

NVIDIA’s current momentum certainly supports a bullish case toward the $200 mark, though a few key factors deserve consideration. --- 🔹 Bullish Arguments 1. AI Infrastructure Dominance: NVIDIA remains the backbone of AI computing. With Huang emphasizing inference as the next growth engine, the company is poised to capture sustained demand from cloud providers (e.g., Meta, OpenAI, Microsoft) and emerging AI players. 2. Ecosystem Expansion: Partnerships such as CoreWeave’s $14.2B deal with Meta validate NVIDIA’s platform as indispensable in hyperscale AI deployment. The company’s Blackwell architecture and upcoming GB200/GB300 systems may drive another revenue inflection. 3. Technical Strength: The stock’s four-session winning streak signals strong institutional accumulation. If it holds abo

If I were as wealthy as Ng, spending S$20,000 on a high-value networking dinner would depend on its strategic return. If the dinner gave access to decision-makers, policy shapers, or industry leaders that could unlock opportunities worth many times the cost, it could be justified as an investment rather than mere indulgence. However, I would still be cautious—relationships built on transactional dinners are often fragile. With S$18,900 personally, I would prefer diversified uses: allocate a portion to investments (equities, bonds, or REITs), reserve some for professional development or business building (courses, software, networking events with more sustainable ROI), and dedicate a part to meaningful experiences or charitable impact. The balance between personal growth, financial compoun

Tesla’s recent surge to $455.55 and a $1.5 trillion market cap underscores renewed investor enthusiasm — but the next leg toward $500 hinges largely on delivery momentum and earnings confirmation. --- 🚘 1. Can Tesla climb to $500? Technically, the setup is favourable. The stock has broken out of its multi-month consolidation, supported by robust volume inflows and positive sentiment ahead of deliveries. If results meet or exceed expectations, the next psychological milestone at $500 could come into play. However, a few headwinds warrant caution: Temporary Demand Pull-Forward: The $7,500 U.S. EV tax credit expiry likely front-loaded demand, inflating Q3 deliveries. This may leave a vacuum in Q4, challenging sustained growth. Margin Compression Risks: While delivery numbers may impress, inve

$ARK Innovation ETF(ARKK)$  Your summary of Marks’s view is essentially correct: he’s warning that valuations are elevated, but he doesn’t (yet) believe we’re in full-blown “irrational exuberance.” Rather, he counsels a more cautious stance — what he calls “Level 5 defense” — i.e. reduce aggressive exposure, rotate toward defensive assets, tighten risk controls. That’s a sensible posture in my view: it’s a midpoint between outright alarm and complacency. Below are my reflections on his stance, some observations on current valuations (especially of the Magnificent 7 and the S&P 500), and how I would (and do) position a portfolio in this environment. --- Opinion on Marks’s view & the valuation backdrop Strengths of his approach 1. Avoid

This week, I’d lean toward option (a): deploying a short-term Iron Condor on SPY. After a strong September run and mixed macro signals, markets appear poised for range-bound consolidation rather than a directional breakout. Volatility remains slightly elevated, offering decent option premiums while implied moves suggest contained price action. A well-defined Iron Condor around key support (~520) and resistance (~540) could monetise time decay if indices drift sideways post-quarter-end rebalancing. As for Intel’s momentum, the recent 30% surge already prices in optimism from NVIDIA’s stake and Apple partnership chatter. Chasing here risks buying into euphoria without confirmed earnings follow-through. Lastly, portfolio review is always wise: rebalance after September’s rally, trim over-ext

Let’s assess Tesla’s setup from three perspectives — fundamentals (Q3 deliveries and earnings), sentiment and positioning, and technical valuation — before drawing conclusions on whether it can crush estimates and extend the rally beyond September. --- 1. Q3 Deliveries — Can Tesla Beat Expectations? Street Consensus As of late September, sell-side consensus generally expects Q3 deliveries in the 470k–490k range, implying sequential growth after a softer Q2 (≈443k). Barclays, Goldman, and UBS have each raised their internal forecasts — some as high as 495k units, reflecting: Improved production cadence at Shanghai and Berlin, Early signs of demand recovery in China with local price adjustments, Model Y L and refreshed trims helping ASP stability, Incremental U.S. demand on tax-credit eligib

$Intel(INTC)$  You’ve raised some very pertinent questions following the latest Intel Corporation (INTC) earnings report. Below is a structured assessment — keeping in mind this is not financial advice but rather a professional-tone analysis based on the facts and risks. --- ✅ What we know so far Here are the key highlights from Intel’s Q3 fiscal 2025 results: Revenue: US$13.7 billion, up ~3% year-on-year, beating expectations.  Adjusted non-GAAP EPS: US$0.23, much higher than consensus (~US$0.01).  Gross margin improved significantly (GAAP gross margin ~38.2% vs ~15% in the prior year).  The company announced the U.S. government has a ~10% stake in Intel.  For Q4 the company gave revenue guidance of US$12.8 billion to US$

Here’s my assessment of the situation, with caveats and risk factors. (Note: this is not financial advice — just an analytical viewpoint.) --- 1. Is there still upside potential after AMD jumps ~25%? It is possible, but the risk-reward becomes more challenging. The OpenAI deal is a dramatic inflection event, and markets will now shift toward judging execution, de-risking, and sustainment rather than surprise. Supporting arguments for further upside: The deal is multi-year and multi-generation: AMD will supply GPUs across multiple future architectures (starting with MI450) under a 6-gigawatt commitment.  OpenAI’s warrant gives it up to 160 million shares (roughly 10 % of AMD) at $0.01, vesting on milestones tied to share price and deployment.  The warrant structure essentially ali

I’m watching Google for steady momentum and Nvidia as a sentiment gauge. If Nvidia holds support, AI names can stabilise; if it breaks, tech may weaken. I’m also keeping an eye on gold-related stocks, since precious metals are strong and miners may catch up. I’m avoiding small-caps with high debt, AI microcaps, and any company announcing surprise bond issuance or guidance cuts, as the market is still sensitive to bad news. Positioning-wise, I prefer partial deployment. The macro backdrop is improving, but volatility remains. Going all-in is unnecessary. A balanced stance works better: keep 60–70% invested in quality names and 30–40% cash for dips or new opportunities. Selective buying beats aggressive trading today.

You’ve raised very pertinent questions about the S‑REITs (Singapore Real Estate Investment Trusts) space — especially the trade-off between “stable yield” versus “explosive growth”, the impact of upcoming rate cuts, and which Singapore companies might be worth your attention. I’ll structure my thoughts as follows: --- 1. Stable Yield vs. Explosive Growth Stable Yield Advantages: Many S-REITs deliver a reasonably high distribution yield (DPU/dividend) compared to many other equities in Singapore. For example, as of early 2025 the average dividend yield for S-REITs was about 6.9%.  Less dependent on spectacular growth; more about property income, occupancy, stable tenants, and proper financing. Aligns with income-oriented investors: If you appreciate regular distributions and lower vola

$Apple(AAPL)$  Here’s my assessment, based on the latest data and market signals. Of course, nothing is certain — this is about probabilities and risk. --- 1. Have I “loaded” Apple shares? I don't own apple stock. But from a valuation/analytical sense, Apple is looking increasingly interesting to many analysts, especially given the iPhone 17 upgrade cycle and recent signs of stronger demand. Many institutional investors likely are adding or at least considering more exposure, given the upside forecasts, though macro risks remain. --- 2. Am I bullish that Apple can support market highs? Yes, with caveats. Reasons for bullishness: Upgrade cycle strength. Wedbush believes that many iPhone users (≈315 million globally) h

I’m watching NVIDIA closely today. The $100B investment into OpenAI cements its leadership in AI infrastructure, but with valuations already stretched, I see both opportunity and bubble risk. I’m also cautious on Oracle after its massive surge—much of the good news may already be priced in, and counterparty risks from the $300B OpenAI deal remain. On the avoid list: smaller AI-themed stocks trading purely on hype without strong fundamentals. For now, I’m sitting with a mix—keeping cash ready for pullbacks, but not going all in at elevated levels. Selective exposure with risk control feels smarter than chasing momentum.

I used to struggle most with #2 (letting small losses turn into big ones) and #9 (hoping for a rebound), especially early on when I believed “it’ll come back.” That mindset turned manageable losses into painful lessons. The market eventually taught me that capital preservation is priority one, and protecting the downside is what allows you to stay in the game. Over time, I’ve grown to lean strongly toward strict stop-losses. They help remove emotion and force accountability. When a trade hits my predefined limit, I exit; no hesitation, no bargaining. I’ve also learned to size positions smaller so stops don’t feel punitive. One turning point came from a tech trade that fell 40% while I kept averaging down, convinced it would recover. It never did. That loss reshaped my approach entirely; I

Apple’s rally shows strong optimism ahead of earnings. iPhone 17 demand remains robust, especially in China and the U.S., while Services revenue and margins continue to expand. The market expects solid guidance for the holiday quarter and updates on Apple’s AI ecosystem. However, expectations are very high. If guidance disappoints or AI integration seems slow, a short-term pullback is possible. Still, Apple’s cash flow, ecosystem, and brand loyalty make it a long-term winner. 📊 Predicted closing price (Oct 31): $277.40 View: 🔼 Bullish — steady growth and AI catalysts could push shares higher, though near-term consolidation wouldn’t be surprising.

Recently, I focused on high-probability setups aligned with macro catalysts and clean technical signals. 1. NVIDIA (NVDA): Entered post-GTC breakout above $200 with strong AI momentum and bullish guidance. Trailed stops near 20-day EMA. 2. AMD (AMD): Bought the dip near $140 after DoE’s $1 B contract news. Expected sympathy rally with NVIDIA’s AI surge. 3. Gold (XAU/USD): Re-entered around $4 000 as a macro hedge amid dovish Fed signals and central-bank demand. 4. Apple (AAPL): Took short-term call spread pre-earnings, expecting recovery in iPhone and Services revenue. 5. REITs (CICT, MLT): Accumulated ahead of possible 2026 rate cuts; focus on retail/logistics REITs with strong balance sheets. Overall, I favoured momentum-based entries supported by earnings or macro confirmation—combinin

CICT remains the “Dividend King” among S-REITs — large, stable, and diversified across retail and office assets, with solid rental reversions and prudent gearing. For higher yield, Mapletree Logistics Trust (MLT) and Keppel Infrastructure Trust (KIT) stand out: MLT benefits from Asia-wide logistics demand, while KIT offers defensive, utility-like cash flows. When picking S-REITs, focus on: 1️⃣ DPU stability – consistent or growing payouts. 2️⃣ Gearing < 40% and strong interest-coverage. 3️⃣ Occupancy > 95% and long WALE. 4️⃣ Prime assets with accretive AEIs. 5️⃣ Price-to-NAV < 1× and credible sponsors. CICT suits conservative income seekers; MLT, KIT, and Ascendas REIT suit moderate-risk investors seeking 5–7 % yields. The best S-REITs balance steady DPUs, low leverage, and quali

Here’s a detailed breakdown of what’s going on with TSLA (Tesla) and ARK Invest — and some thoughts on where things might go from here. --- What’s happening: the key moves ARK Invest’s trimming of Tesla ARK, via its ETFs ARKK and ARKW, has sold a meaningful number of Tesla shares — e.g., about 70,474 shares worth about US$30 m in one day.  This marks four straight sessions of selling by ARK.  Despite this, Tesla remains ARK’s largest holding (around ~12% in ARKK) meaning the firm hasn’t exited the position.  Tesla’s price action and broader pressures Tesla stock recently dropped below the US$400 level, which has been cited as a key short-term technical support zone.  The fall is happening amidst broader tech-sell-off pressures, combined with signs of softening demand in