Aggregate Asset Management

12/05/2026

Have you thought about just how much is enough to live off your investments without ever running out?

The 4% rule is often used as a retirement benchmark: withdraw 4% per year, adjust for inflation, and your portfolio should last around 30 years.

At AAM, we believe a 4% withdrawal rate can be achievable not just for 30 years but in perpetuity with the right portfolio structure.

For us, this means building a diversified equity portfolio with discipline around valuation, risk and position sizing.

It also means recognising that “value” has evolved. With our proprietary AI, we can assess a broader universe of stocks using more than 150 signals to determine their risk-return attractiveness.

The question for investors is not just: “How much can I withdraw?”

We need to be asking: “What kind of portfolio gives me the best chance of sustaining income through different market conditions, while preserving capital growth?”

At AAM, we believe long-term income sustainability comes from disciplined investing, diversification and allowing capital to compound over time.

04/05/2026

We are entering one of the most significant transitions in modern financial history: the transfer of wealth across generations.

Over the next two decades, an estimated USD 83 trillion will transfer globally from one generation to the next, with Asia-Pacific alone facing a USD 5.8 trillion intergenerational wealth shift by 2030 and more than 60% of the region's high-net-worth individuals already over 60.

But this is not just about assets changing hands. It is about stewardship - how wealth is preserved, grown, and used with intention. The next generation will inherit not only portfolios, but also responsibility: to protect family capital, define purpose, and make decisions that reflect both conviction and continuity.

At Aggregate Asset Management, we help families navigate this moment with disciplined, long-term strategies - turning inheritance into enduring legacy.

Anyone can inherit wealth. Far fewer are prepared to manage it. Stewardship is the difference.

13/04/2026

Markets have been exceptionally volatile this year. In times like these, resilience matters just as much as returns.

That is why at Aggregate Asset Management, we are expanding the use of our proprietary machine learning model, Deep Deep, for the Aggregate Value Fund (AVF), with the aim of delivering steady long-term returns of 7% to 9% annually. As at February 2026, AVF delivered annualised returns of 7.92% over five years and 10.95% over three years.

Today, Deep Deep analyses more than 150 indicators across technicals, fundamentals and academic research to strengthen diversification and improve downside resilience.

Since machine learning was formally integrated into AVF in 2021, the fund’s maximum drawdown has improved from 28.85% to 12.36% as at February 2026.

AVF started in 2012 as a deep-value fund focused mainly on Asia. Today, it has evolved into a globally diversified portfolio of nearly 900 companies across 17 markets, with more than S$600 million in assets under management.

We started building our machine learning capabilities in 2016, well before AI became mainstream. But technology is only part of the story. Our investment team still reviews the model’s rankings, challenges assumptions and makes the final decisions to align with clients’ interests.

In uncertain markets, investors are looking for more than just performance. They want stability, discipline and resilience.

Click on the link in the comment section to find out more. 👇

24/07/2023

Kevin Tok, our co-founder and executive director, posed this challenge to us: Can AI beat human fund managers and analysts in stock selection? The proxy for this would be Aggregate’s own Aggregate Value Fund (AVF), Kong coined this contest “Machine versus Human”. I share both the founders’ innate curiosity and the result is this new column for The Edge Singapore.

Read more at :https://aggregate.com.sg/2023/07/man-vs-machine-challenge/

07/07/2023

After nearly nine months, Deep Deep, our stock picking AI, has achieved an amazing return of 23.42% since inception (Oct 17, 2022). Against the competing benchmarks, Deep Deep has outperformed the DJIA by 7.58 % and Aggregate Value Fund (AVF) by 3.06%.

By Harry Huo.

Read more at :

After nearly nine months, Deep Deep, our stock picking AI, has achieved an amazing return of 23.42% since inception (Oct 17, 2022). Against the competing benchmarks, Deep Deep has outperformed the DJIA by 7.58 % and Aggregate Value Fund (AVF) by 3.06%.

12/06/2023

Deep Deep, our machine learning AI, is still top of the charts after nearly eight months. Since its inception (Oct 17, 2022), Deep Deep’s portfolio has reigned supreme with 23.54% returns, beating Berkshire Hathaway by 1.15% and Aggregate Value Fund (AVF) by 6.66%.

Read more at:

Deep Deep, our machine learning AI, is still top of the charts after nearly eight months. Since its inception (Oct 17, 2022), Deep Deep’s portfolio has reigned supreme with 23.54% returns, beating Berkshire Hathaway by 1.15% and Aggregate Value Fund (AVF) by 6.66%.

22/05/2023

The Aggregate Value Fund (AVF) and Aggregate Global Equities Fund (AGEF) have exhibited positive growth in 2023, despite market fluctuations. In April, AVF achieved a YTD growth rate of 5.33%, while AGEF saw a slightly higher YTD growth rate of 5.39%.

Read more at :

AVF has demonstrated a remarkable Compound Annual Growth Rate (CAGR) of approximately 12.01% over a 3-year period from April 2020 to April 2023. The 40.84% growth rate of AVF over the past three years also outperforms the AC Asia Pacific by 31.17%.

12/05/2023

The winning streak of our stock-picking AI, Deep Deep, continues. Since its inception on Oct 17, Deep Deep’s portfolio has returned 22.55%, winning all the competitors’ portfolios (Berkshire Hathaway by 2.37% and Aggregate Value Fund (AVF) by 1.64%) and all the competing benchmarks.

By Harry Huo.

Read more at :

The winning streak of our stock-picking AI, Deep Deep, continues. Since its inception on Oct 17, Deep Deep’s portfolio has returned 22.55%, winning all the competitors’ portfolios (Berkshire Hathaway by 2.37% and Aggregate Value Fund (AVF) by 1.64%) and all the competing benchmarks.

20/04/2023

The recent failure of Silicon Valley Bank (SVB) has sparked discussions about the importance of diversifying our retirement portfolios. SVB had been a key player in providing finance and services to technology startups for many years but its collapse due to heavy investment in treasury bonds has highlighted the risks of not diversifying investments. This event serves as a lesson for individuals to diversify their own portfolios, regardless of the asset class.

Read more at:

The recent failure of Silicon Valley Bank (SVB) has sparked discussions about the importance of diversifying our retirement portfolios. SVB had been a key player in providing finance and services to technology startups for many years but its collapse due to heavy investment in treasury bonds has hig...

14/04/2023

Deep Deep faces its first mini black swan event and still triumphs. On a monthly basis, the Deep Deep portfolio lost out to Aggregate Value Fund (AVF), Berkshire Hathaway and the benchmark indexes. Deep Deep was up 1.1% for the past month. The primary cause was the recent US banking crisis which triggered a massive sale of US banking stocks.

By Harry Huo.

Deep Deep faces its first mini black swan event and still triumphs. On a monthly basis, the Deep Deep portfolio lost out to Aggregate Value Fund (AVF), Berkshire Hathaway and the benchmark indexes. Deep Deep was up 1.1% for the past month. The primary cause was the recent US banking crisis which tri...

07/04/2023

Brendan Murray delves into the issue of losing one’s sense of identity upon retirement. Murray shares his personal experience of feeling lost after retiring, as his career and work had previously defined his identity.

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Brendan Murray delves into the issue of losing one's sense of identity upon retirement. Murray shares his personal experience of feeling lost after retiring, as his career and work had previously defined his identity.