Chee Xiu Bin

16/02/2026

Happy CNY eve to everyone! Before I 收工 for the year of snake and welcome the year of horse, I would like to share a story of one of our investor's portfolios.

Back in October 2025, her investment of $250,000 was losing money after more than 4 years and 7 months. She needed her money back at the end of the 5th year, and she had less than 5 months to go. She was upset and angry as the previous 2 advisors did not do a good job in managing her portfolio, causing it to lose money despite the rally in the past few years. She called in and requested for a new advisor who can help her turn things around, thus company assigned the task to me.

Her objective was clear and straightforward - help the portfolio breakeven by the 5-year mark (25 Feb 2026). I took advantage of the tech rally in Q4 2025, and did a timely switch-out in January 2026 to avoid the market downturn. I'm glad to say that, as of 10 February 2026, her portfolio had breakeven, and as of today, her portfolio is standing at $254,392.43 with 9 more days to go!

I managed to turn an angry customer to a satisfied investor who plans to commit another $300,000 over the next 10 years with me after what I had done for her. She understood now that it is not about the company, product, or even the cost when it comes to investments - it is about the person managing it.

05/01/2026

The results for 2025 are out!

Disclaimer: the returns displayed are net off fund management charges, but do not include any bonuses or policy charges as these vary across the different policies and platforms.

03/12/2025

New Singapore equity fund launching, courtesy of government's injection of funds. More growth for the Singapore stock market awaits.

About 40% of its portfolio will be allocated to Singapore small and mid-cap companies Read more at The Business Times.

26/11/2025

Integrated Shield Plan's rider to go through another round of downward adjustment in order to ensure healthcare cost and premium sustainability.

Singapore's MOH is reforming health insurance riders to combat rising premiums and healthcare costs, introducing new rules from April 2026. Read more at straitstimes.com. Read more at straitstimes.com.

20/11/2025

Many investors have been expressing their concerns about the market sell-off (picture 1) in the past 2 weeks, and whether it is time to take any actions. My advice is: the only action you should take now is to buy in more if budget allows.

Market price alone doesn't tell the full picture, because it is influenced heavily by transactions that are led by emotions rather than fundamentals.

One of the fundamentals we look at is the yield curve (picture 2). If the market is really going for a downturn, the yield curve will be inverted (higher on the left, lower on the right). However, the current yield curve is normal, which actually reflects a healthy market by large, and the current sell-off is nothing more than a combination of:

1) market fear of AI bubble
2) market fear of releasing potentially poor data after 43 days of data blackout
3) market fear of no rate cut in December
4) investors realizing their profits

The September's inflation data (last data available before data blackout) reflected a 3% inflation, which is slightly higher than August. It signifies consumer spending is still at a healthy rate, which means businesses are still profitable. Coupled with the upcoming Black Friday Sale and Christmas Sale, I'm positive that revenue for most businesses will remain high, which is a more important and accurate measure of the health of the market than the market price alone.

28/10/2025

A portfolio review for my investor on his three-year mark. He started investing $200 every month in October 2022. In total, he has invested $7200 so far, and his portfolio is worth $11,768.67 (see picture 1). That works out to be 30.11% compound annual growth rate (CAGR) after all the fees (see picture 2). For comparison, during the same time frame, S&P500 grew 17.54% per annum (see picture 3).

The results speak for themselves. S&P500's returns are by no means bad, but a portfolio that is actively managed by a competent investment adviser will yield way more, because the value the adviser brings to the table is way higher than the fees he/she charges.

&p500

18/10/2025

Another investor who took a leap of faith and entrusted his funds with me instead of listening to online finfluencers.

He invested $20000 on 8 September 2025. Despite a one-time 3% upfront fee (meaning he started with just $19400), his portfolio is worth $20835.22 after just 40 days. He has made 4.17% in just 40 days (7.39% if you calculate his growth from $19400). In the same period, the S&P500 only made 2.99%. If we annualise the yield, it will be 67.43% vs 27.28%. In the grand scheme of things, the 3% upfront fee to engage me is negligible compared to the opportunity cost of DIY.

Moral of the story: do your due diligence, don't always believe in what the internet says. Results and long term track record speaks louder than theories.

13/10/2025

Finally the authorities have spoken

📢 IFPAS SPEAKS ON THE STRAITS TIMES! Setting the record straight on ILPs and financial advice

Investment-linked insurance plans (ILPs) serve an important role when matched to clients’ goals, needs, and risk profiles. At IFPAS, we emphasize professionalism, integrity, and tailored advice to ensure Singaporeans make informed financial decisions.

Read our perspective on why a balanced view matters for both consumers and the financial advisory profession. ➡️ https://www.straitstimes.com/opinion/forum/forum-balanced-picture-of-ilps-and-financial-advisers-needed

08/10/2025

Recently, a friend expressed interest in letting me invest some of his money. After some discussion, we finalized what to invest in, and sent him the details.

He sent the documents to his son, and his son commented that the fees are high, and he will be better off investing in S&P500 ETFs. Hence, that friend of mine has been sitting on the fence regarding my proposal. And guess what? Since my proposal, the S&P500 grew 5.91% (in 5 weeks), which is not bad, but my proposed fund grew 11.29%, almost double of the S&P500.

Moral of the story: not everything you see on the internet is correct. When you need advice in any matter, seek advice from subject matter experts, not any Tom, Dick or Harry from the internet.

02/10/2025

Hope this article offers a more balanced and unbiased view on the product type. At least it is written by a former practitioner, some one who actually knows the product, not keyboard warriors who were never even trained in any of the products they are bashing.

The issues with investment-linked policies lie more with how they are explained and managed, rather than with the products themselves Read more at The Business Times.

25/09/2025

Hopefully this is the beginning of the end of "finfluencers" and their irresponsible contents.

The central bank has unveiled new guidelines for advertising financial products through digital media.

23/09/2025

This is such a biased and one-sided article. Bashing ILP for its fees, but not explaining what an investor gets in return for the fees. Nope, I am not talking about welcome bonuses, I am not talking about coverage. I am talking about something intangible, unmeasurable, but probably the most important 'benefit' of buying an ILP - advice.

When you buy an ILP, you are paying for the advice of the adviser. A good adviser will be able to guide you through your entire investment journey, telling you what to buy, when to buy, when to switch, and when to sell. What you can earn from the advice can be way more than the fees that you are paying for.

On the other hand, if you want to save on the fees, you can DIY, but you won't know what to buy, when to buy, when to switch, and when to sell. You will end up making much less, or even lose money.