01/11/2026
Happy to speak at the uSmart Investors' Insights Conference.
My key message about investing is (1) know oneself, and (2) control oneself.
We do not have one risk profile. We exhibit greed and fear emotional financial behaviour. We need to control this.
Investing must balance risk vs rewards. Risk is a statistical continuum of possible outcomes. It's not humanly easy to process vast amounts of data in real time - including correlations between different asset classes such as equity, fixed income and alternatives.
We pick a stock because we think it is likely to do well. It's not much different from betting on a horse race. That's not nvesting.
In each of us, there is betting behavior that is conflated with the need for discipline and focus on our real financial needs.
We do not have a single risk profile. What we have is a behavioral profile - which we must control - to achieve the true financial outcomes we need.
When many people say they invest, they're mostly speculating or gambling.
In reality, we can still trade, but we should allocate more to disciplined risk-based investing.
For that reason, I designed SqSave.com in 2019 after years of managing Investments (betting for other people).
SqSave.com is a mathematical model analysing many asset classes across different time horizons in real-time. Humanly impossible.
Today, SqSave has 7 years of real money invested, and 7 years of actual performance data. Not theory. Not backtesting. Not simulated.
SqSave's portfolios rank at the top when compared to branded USA-based investment managers on a rolling 3-year time horizon.
I designed SqSave with the mathematical function to minimize Max Drawdown so that in a market recovery, SqSave recovers from a higher level and compounds with time in the market.
While this is not hand guaranteed into the future, it does show the capabilities of a disciplined quantitative investment system.
SqSave is available through the Follow Smart distribution platform operated by uSmart. For more details, visit SqSave.com.
Thanks to Alfred, Jeremy and the uSmart team for hosting the session! Check us out at uSmart Follow Smart or at SqSave.com!
Victor Lye
Founder, SqSave.com