ALL OUR PUBLICATIONs
ALL OUR PUBLICATIONS
ALL OUR PUBLICATIONS
![jcmoney06 jcmoney06](https://clotho-sg.com/wp-content/uploads/2024/08/jcmoney06.jpeg)
Investment longevity: the second lesson after three decades in wealth management
I have a collection of letters sent by fund managers to their investors when closing their fund
![out-0 out-0](https://clotho-sg.com/wp-content/uploads/2024/08/out-0.jpeg)
Money and happiness: two lessons I’ve learnt after three decades in wealth management
I’ve been reflecting on almost thirty years of managing other people’s money, as well as my own, and came to two important lessons I’ve learned about our relationship with money
![150323_ho_buildmillion 150323_ho_buildmillion](https://clotho-sg.com/wp-content/uploads/2024/08/150323_ho_buildmillion-1024x683.jpeg)
Projecting Retirement Needs
I vividly remember my professor describing a simple formula for how much money I’d need to retire: just multiply your annual expenses by 25
![61235539_605 (1) 61235539_605 (1)](https://clotho-sg.com/wp-content/uploads/2024/08/61235539_605-1.jpeg)
Commodities in an inflationary environment
Markets are governed by cycles. In financial media, almost all the attention is given to shorter term cycles
![all-time highs all-time highs](https://clotho-sg.com/wp-content/uploads/2024/03/all-time-highs-1024x683.jpeg)
Embracing All-Time Highs
The ascent to new peaks in stock markets ignites a potent mix of excitement and caution among investors
![1688473442364 1688473442364](https://clotho-sg.com/wp-content/uploads/2024/02/1688473442364-1024x683.jpeg)
How much?
What risk-free, inflation-protected, after-tax return would you be willing to accept on the totality of your wealth for the rest of your life in order to completely and forever forgo any other investment opportunity?
![Momentum Trumps Fundamentals Momentum Trumps Fundamentals](https://clotho-sg.com/wp-content/uploads/2024/01/Momentum-Trumps-Fundamentals-1024x683.jpeg)
Momentum Trumps Fundamentals
One of the most valuable pieces of trading advice I ever received was during the early days of my finance career in Hong Kong…