Chinese Wisdom Investment Planning

Chinese Wisdom Investment Planning Using time, to gain precious time, through timeless wisdom. We believe that everyone deserves a chan

Most portfolios don't get riskier from too few funds. They get diluted from too many.Fifteen holdings on a statement loo...
07/07/2026

Most portfolios don't get riskier from too few funds. They get diluted from too many.
Fifteen holdings on a statement looks organized. It doesn't tell you what's actually inside them, or whether half of them are quietly duplicating exposure you already have.
Diversification has a ceiling. Past it, extra funds stop reducing your risk — they just add fees on top of a portfolio that already behaves like four or five real positions.
This applies whether it's sitting in your brokerage account, your SRS, or a mix of unit trusts across platforms — the overlap doesn't show up on any single statement, because no single statement sees the whole picture.
The fix isn't fewer funds for the sake of fewer funds. It's knowing exactly why each one earns its place.
Comment "CEILING" and I'll send you the portfolio overlap checklist — a simple framework for spotting duplicate exposure across your own holdings.
Know what you own, and why. Save this before your next portfolio review.
Illustrative content only. Not personalised financial advice — speak to a licensed adviser before making portfolio changes.

28/06/2022

ᴛʜᴇ ᴛᴀxɪ ꜱᴛᴏʀʏ

After going for some drinks at Clarke Quay a few nights ago, as many other Singaporeans would, I pulled out my handphone and started looking for a Grab home. The surge was a little crazy, however still I had to go home, thus I still tried booking for a Grab and patiently waited. Despite the high surges, no Grab driver was available. The same happened for Gojek and Comfort app.

Crazy surges, yet no cab.
No cab, no home.
You get the idea.

Grab app showing, “Anytime now…”.
Then, I noticed empty Taxis looking hard for passengers as they normally do on a weekday night. I was replying to texts, so I let the first Taxi go. Another Taxi came, and slowed down when he saw me, hoping to pick another potential passenger.

These Taxis gave me a very precious life lesson.

"I was looking at the wrong places."

The fanciful apps in a Digital age, did not provide a solution for my immediate need.

There was no available driver despite a higher price tag for their services.
This is the same for many other areas in our lives, be it in relationships or people we want as our clients.

Thankfully, all my clients are financially responsible. I never had to compel anybody into forging a business-partnership with me and I know I am their choice Adviser.

All my clients know that they want
💎 an Investor as their Financial Adviser
- one who really knows investments, instead of just another financial-product salesperson.
💎 To be Updated
- about the market trends and what to expect ahead before they happen in the markets, rather than being told afterwards what has happened.
💎 To be Assured
- in the knowledge that most of the time their investments are outperforming many other portfolios.

The Taxis have taught me, that those who are not a right match, no good outcome will happen no matter how much you stay in aim of them; and that there will always be other alternatives for what is a good fit.

I have tremendous value and I AM WORTH IT.
And so are you!








05/01/2022

2021 has been shaky for investments, but we got through it pretty well!

Here's my investment outlook for 2022, and I hope it helps you out!



#2022

15/09/2021

It's not a secret anymore! I will be hosting my FIRST solo webinar this Saturday, 18 Sep, 2pm via Zoom.

I have spoken about investments in other major cities, but this is my first time speaking for free online.

For those who have always wondered whether Mervyn is the real deal, I encourage you to sign up for this, and give me one hour of your time. It might just be the tool to change your financial destiny. There will also be a surprise that money can't buy. See you on Saturday!





This advertisement has not been reviewed by the Monetary Authority of Singapore.

Some things should always be kept simple. Don't have to reinvent everything.Be prudent, be smart :)
30/08/2021

Some things should always be kept simple. Don't have to reinvent everything.

Be prudent, be smart :)



𝗪𝗵𝗮𝘁'𝘀 𝗺𝘆 𝗺𝗶𝘀𝘀𝗶𝗼𝗻?The poor says "𝘔𝘰𝘯𝘦𝘺 𝘪𝘴 𝘵𝘩𝘦 𝘳𝘰𝘰𝘵 𝘰𝘧 𝘢𝘭𝘭 𝘦𝘷𝘪𝘭."I believe differently. I believe that "𝗣𝗼𝘃𝗲𝗿𝘁𝘆 𝘪𝘴 𝘵𝘩𝘦 𝘳𝘰...
07/08/2021

𝗪𝗵𝗮𝘁'𝘀 𝗺𝘆 𝗺𝗶𝘀𝘀𝗶𝗼𝗻?

The poor says "𝘔𝘰𝘯𝘦𝘺 𝘪𝘴 𝘵𝘩𝘦 𝘳𝘰𝘰𝘵 𝘰𝘧 𝘢𝘭𝘭 𝘦𝘷𝘪𝘭."

I believe differently.

I believe that "𝗣𝗼𝘃𝗲𝗿𝘁𝘆 𝘪𝘴 𝘵𝘩𝘦 𝘳𝘰𝘰𝘵 𝘰𝘧 𝘢𝘭𝘭 𝘦𝘷𝘪𝘭."

It is poverty that makes the world a crime house. It's also the hungry stomachs and the desperation that forces people against their will. It is at wits end, when times seem the darkest, that people are made to sin against another.

The bottom line of my belief, is because I believe people are kind by nature.

Everyone deserves a chance for financial success. Everyone deserves to be far from poverty, and not even come close to that state. Everyone deserves to be given a chance to understand and be equipped with the knowledge of how to manage what we have, in order to have more.

You'll never see a person driving a Ferrari, rob a bank.

And this is my mission in the world, 𝘁𝗼 𝗴𝗶𝘃𝗲 𝗲𝘃𝗲𝗿𝘆𝗼𝗻𝗲 𝗮 𝗰𝗵𝗮𝗻𝗰𝗲 𝘁𝗼 𝘀𝘂𝗰𝗰𝗲𝗲𝗱 𝗳𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹𝗹𝘆.




02/08/2021

Ever thought what really is money?

Has there ever been a time in the past where massive money printing occured?

What happened to the country if it really did happen?

Find out in this video below!




Do you believe that when you give, you will receive more?Well, I am really encouraged because I usually give freely with...
06/07/2021

Do you believe that when you give, you will receive more?

Well, I am really encouraged because I usually give freely without expecting anything in return, but I have to admit it, when you gain after selfless giving, that feeling is indescribable!

Feel free to leave in the comments below or pm me your stories about giving freely!


Happy SAF Day!Thankful to have a military that works to protect us, not against us! Now, let us work for your wealth too...
30/06/2021

Happy SAF Day!

Thankful to have a military that works to protect us, not against us! Now, let us work for your wealth too!

Your SAF group insurance plan is like your ILBV. It might seem like a burden, but it's better than nothing. However, let us armour-plate your ILBV and strengthen your finances for you, so that your Finances can be Battle-Ready too!

✔ Review your financial portfolio with us with the fees entirely waived as long as you are serving in the military! (usual cost $500)
✔ Once and for all understand the options available in Singapore's Financial Markets, rather than from just one company's viewpoint!
✔ Potential savings on your existing insurance coverage.
✔ Sound and proven Investment Strategies that have worked for your other comrades in the military!
✔ Entirely no obligation to take up any financial product! (We don't want you to leave a bad review for us among your peers! Our reputation is precious to us!)

Speak with us today! Coffee will be on us, and this celebration is open only to the first 100 respondents!!

Here's why we shouldn't try to time the markets on our own. Although boring, but there are times where textbook-answers ...
27/04/2021

Here's why we shouldn't try to time the markets on our own.

Although boring, but there are times where textbook-answers are the correct answers.

This is such a time.

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