personal finance – Learning Investment With Jason Cai

Retiring in Vietnam: Is Ho Chi Minh City the Hidden Gem for Singaporeans? How Much does it Cost to Live in Vietnam?

August 25, 2026August 26, 2026 by Jason Cai

With inflation, property prices, and daily living expenses steadily climbing in Singapore, achieving a truly relaxing retirement on a modest nest egg can feel like an uphill battle. While standard overseas retirement destinations like Johor Bahru, Bangkok, and Bali are top-of-mind for many Singaporeans, they come with trade-offs—such as heavily congested border checkpoints, rapidly inflating … Continue reading Retiring in Vietnam: Is Ho Chi Minh City the Hidden Gem for Singaporeans? How Much does it Cost to Live in Vietnam?

Singapore Savings Bonds Rebound to 2.25%: Should You Apply or Wait?

August 24, 2026August 24, 2026 by Jason Cai

The Singapore Savings Bond (SSB) yield curve has reversed its recent downward trend. The current issuance (SBSEP26 / GX26090V) offers a 10-year average return of 2.25% p.a., up significantly from the 2.06% p.a. offered in the August tranche. Whether you are looking to park emergency cash or deploy Supplementary Retirement Scheme (SRS) funds safely, here … Continue reading Singapore Savings Bonds Rebound to 2.25%: Should You Apply or Wait?

10 Ways To Save Money To Help You Fight Inflation & Rising Costs Of Living

August 21, 2026August 23, 2026 by Jason Cai

Inflation and high living costs in Singapore continue to be a top concern for many of us. Other than trying to earn more through investing or side hustles, watching our monthly expenses and finding ways to cut unnecessary spendings is crucial so we always have extra money to spend or use to invest to compound … Continue reading 10 Ways To Save Money To Help You Fight Inflation & Rising Costs Of Living

8 Hard-Won Retirement Lessons from a 57-Year-Old Retiree to His 40-Year-Old Self

August 20, 2026August 20, 2026 by Jason Cai

When we talk about financial independence, we spend almost all our time obsessing over the mechanics: asset allocation, withdrawal rates, and Monte Carlo simulations. But hitting your numbers is only half the battle. The human side of early retirement—how you handle your time, health, and relationships—is where the real challenge lies. In a reflective piece … Continue reading 8 Hard-Won Retirement Lessons from a 57-Year-Old Retiree to His 40-Year-Old Self

Pricing Power, Reinvestment, and Discipline: What a 15-Year-Old Barber Can Teach Us About Investing

August 18, 2026 by Jason Cai

When analysing high-performing stocks or evaluating market opportunities, we often immerse ourselves in earnings reports, balance sheets, and macroeconomic trends. But every so often, the fundamental principles of business and wealth creation show up in the most unexpected places. A recent video by CNA Insider featured Keanu, a 15-year-old student who transformed a terrible $10 … Continue reading Pricing Power, Reinvestment, and Discipline: What a 15-Year-Old Barber Can Teach Us About Investing

SG Banks Hit All-Time Highs: Time to Buy, Take Profit, or Just Hold On Forever?

August 10, 2026August 12, 2026 by Jason Cai

If you’ve been checking your SGX portfolio recently, you’d know our local bank trio—DBS, OCBC, and UOB—have been absolutely flying. DBS alone hit around $76, which is uncharted territory. Naturally, every Singaporean investor is asking the exact same question over kopi: "Is it too late to jump in? Should I take profit now, or just … Continue reading SG Banks Hit All-Time Highs: Time to Buy, Take Profit, or Just Hold On Forever?

AMD Earnings Recap: A Classic “Beat & Drop” or a Buying Opportunity?

August 5, 2026August 5, 2026 by Jason Cai

AMD reported another impressive quarter, beating consensus estimates on both top and bottom lines while delivering solid guidance. Yet, the stock sold off by nearly 9% in after-hours trading. If you are tracking semiconductor earnings, this reaction might feel confusing. Let’s break down the underlying numbers, segment dynamics, and market mechanics driving the price action. … Continue reading AMD Earnings Recap: A Classic “Beat & Drop” or a Buying Opportunity?

Is It Too Late to Start Investing at 50? (A Singapore Guide on What to Invest and What to Look Out For when You Start at 50)

July 22, 2026 by Jason Cai

When people wonder whether it is too late to begin building a portfolio at age 50, the underlying anxiety usually stems from a specific assumption: believing that a narrow 15-year window until traditional retirement is simply not enough time for compounding to work its magic. That concern is understandable on the surface, but it relies … Continue reading Is It Too Late to Start Investing at 50? (A Singapore Guide on What to Invest and What to Look Out For when You Start at 50)

Why I Sold My Alphabet & Microsoft Shares

July 16, 2026July 16, 2026 by Jason Cai

I’m a firm believer in the long-term "supercycle" of artificial intelligence and semiconductor growth. However, successful investing isn't just about what you own; it’s also about when you own it. I’ve recently made the decision to trim my positions in individual tech giants, specifically Alphabet and Microsoft, two of the strongest and most value companies … Continue reading Why I Sold My Alphabet & Microsoft Shares

The Copper Crunch: Why AI’s Secret Ingredient is a Must-Watch for Investors

July 15, 2026 by Jason Cai

If you’ve been tracking the market lately, you’ve likely noticed the surge in copper stocks. While AI gets all the headlines for its software breakthroughs, it’s the physical infrastructure behind those breakthroughs that is quietly triggering one of the most compelling investment stories of the decade. We are currently witnessing a "Copper Crunch"—a structural imbalance … Continue reading The Copper Crunch: Why AI’s Secret Ingredient is a Must-Watch for Investors