LEAP with Ken

28/03/2026

What's in an insurance policy?

23/03/2026

In case you are wondering why Gold prices are dipping:

Gold prices plunged 4.4 per cent to US$4,374 per ounce, extending their drop to a roughly four-month low, as the escalating Middle East conflict stoked inflation concerns and expectations of higher global interest rates. Gold generates no interest so when central banks raise interest rates, investors tend to sell gold to invest in interest-yielding assets like bonds or savings accounts. Additionally, higher rates often strengthen the US dollar, making gold costlier for foreign buyers.

Asian stock markets plunge as Trump issues Iran a 48-hour ultimatum, sending oil prices whipsawing and gold tumbling. Read more at straitstimes.com. Read more at straitstimes.com.

10/03/2026

Do find out what the changes are!

Private health insurers gearing up for the launch of new riders have revealed that policyholders who switch schemes come April 1 could see premium reductions of at least 30 per cent, with one insurer offering premium reductions of up to 84 per cent. Rea...

26/01/2026

Discover why more young adults and teens are being diagnosed with cancer, explore common types, and learn about risk factors and prevention. Read more at straitstimes.com. Read more at straitstimes.com.

24/01/2026

A pretty good read especially for those who have been topping up CPF!

Not every prudent CPF move may be beneficial to you - you need to understand your own circumstances.

16/12/2025

Proper financial planning allows us to escape this mindset of scrimp and save for our family. Money will never replace time with family.

10/12/2025

01/12/2025

We can be at our peak but the unexpected comes

27/11/2025

16/11/2025

Just like your financial portfolio, wills should be regularly reviewed. We often adopt a “set and forget” attitude, and our loved ones suffer the most.

Understand why joint bank accounts don't guarantee inheritance and how wills dictate asset distribution, challenging the "right of survivorship" misconception. Read more at straitstimes.com. Read more at straitstimes.com.

13/10/2025

Wondering what’s the difference between AIA Singapore (AIA SG) and AIA Financial Advisers (AIA FA)?
✅ No change for your personal insurance
💼 More competitive options for corporate needs
🔄 A restructure giving us more autonomy

In short — no difference for you, just better options and service!

09/10/2025

While I don’t always agree with Adam Khoo posts/views, this makes a lot of sense in terms of diversifying your investments.

Here is an interesting fact about the DotCom bubble collapse from 2000 to 2002

When the bubble burst, the tech heavy Nasdaq 100 fell 77% and the S&P 500 fell 49%, dragged down by extremely overvalued Internet Tech stocks.

At the same time, Warren Buffett's Berkshire Hathaway gained +80% during the collapse. This is because he had zero tech stock exposure and was invested in non-tech, highly profitable stocks like Coca Cola, American Express, Gillette, Washington Post and Moodys. When money ran out of tech, it flowed into all the non tech.

However, during the DotCom boom, from 1998 to 2000, Buffett's portfolio underperformed the market significantly. While all the money was chasing after sexy DotCom tech, his non-tech stocks dropped like flies.

What's the Lesson from this?
1) When the AI/Crypto/Quantum/Nuclear Bubble bursts eventually (I don't know when), the overvalued and unprofitable stocks in this sectors will drop 50% to 80%

2) The money will flow into the profitable non-AI stocks that have been neglected and forgotten (i.e healthcare, software, industrials, staples etc...) which will then surge 50% to 80%. This rotation is inevitable.

My portfolio currently has
a) 38% exposed to high quality, AI-related stocks (mainly hyperscalers) and
b) 62% exposed to high quality non-AI related stocks (healthcare, industrials, staples, financials and discretionary)

So, while I am riding the AI boom (and outperforming the S&P 500 & Nasdaq 100), I am doing it in a safe, diversified way.

When the bubble bursts (who knows when?), my non AI stock exposure should have huge outperformance, which should buffer the drawdowns in my AI related stocks.

The key to consistently profitable investing is not to time the top of the market (no one can), but to build a resilient, bullet proof portfolio that will continue to grow under all kinds of economic conditions.