Earnings yield can also be incorporated with the risk-free rate to calculate the equity risk premium, i.e. the excess return to investors who are willing to risk their money to get better return, hence a risk premium. Stick to the lower risk investments if you are feeling unsure. From there, they can go about their lives, work, play golf, or trade other stocks and feel comfortable that their risk is being controlled and they are positioning themselves to realize positive returns. Then some 10 years ago, the good schools started to feel overwhelmed since everyone wanted to get in and they created the damned volunteer system. To better illustrate this point, we look at another manifestation of the problem that is how parents tried to tackle the issue with creative solutions, how the system accommodated and how this got crazier and crazier. I would say that over the past 20 years, these issues were simply compounded as one detrimental issue added on top of another.

You see, MOE (Singapore’s Ministry of Education) had been losing the good teachers for years, so the ratio of good teachers in the system could be just 20-30%. These teachers would be assigned to the best classes. It might be difficult to invest time at the front end because teachers may not be able to immediately recognize ways to prevent unwanted behavior. So in good school, it is more likely that an average kid would not be in the best classes hence getting the poor teachers. So make sure you’re not getting ripped off. I’m going to be part of the 1% who deviates from the traditional ‘by now before you’re priced out of the market’ end of the year talking points. We would spare young kids going through this proverbial MOE’s baptism of fire before puberty. Now that MOE is going to preschool, it might be more cancerous compounding.

Our beloved gym is no exception, and while we might be used to training ourselves in the same environment we always have, a massive trend towards healthtech and impressibe new gym equipment could change that very soon. While in a neighbourhood school, the reverse is true. Again that’s true. But we also use that reasoning for conscription. In many cases, 401(k) plans may be a good vehicle to use for DRIP investments since the funds are not available at the same time. Index funds come as either mutual funds or ETFs, and they track an index, such as the S&P500 or Dow Jones Industrial Average. Clearly a comparison of likely down time to average holding period would be important. I’ve explained why using active funds offers more challenges, and for some with the knowledge and time it might be a decent option. Moreover, you can also earn huge income while flipping properties but all you need to have is enough knowledge about the market with appropriate skills. This could be good enough for the next decade or two.

In fact, the tables had turned and it might not be feasible to go into the good schools unless the parents are willing to fork out thousands of dollars every month to keep up with the system. So a messed up education system builds resilience. Heck, everything bad builds resilience. Surviving a nuclear explosion builds resilience. Army builds resilience. We got a hardship overseas job posting, it helps build resilience. Working in coordination with time allows you to finish your job easier thus, allowing you to gain more. But this time round, it’s Nintendo stealing the limelight with its Wii console. Once in a while, on this infosite, we discuss Singapore’s education system, which, in my opinion, is mutating uncontrollably into something that is ready to implode any time. Investment funds represent a good way to learn about investing and they are a good investment vehicle in their own right, especially as they are effectively a ready made financial portfolio. However, there may well be lots of reasons for investment available market.