Nov 7, 2023
Global equities continued their rollercoaster ride In October, buffeted by elevated US Treasury bond yields, geopolitical tensions, and a mixed corporate reporting season.
Oct 4, 2023
This year has been a rollercoaster for global markets. But even in the face of challenges, SqSave continues to stand out with our proven strategy and steady performance. Let’s delve into our performance for September 2023.
Sep 5, 2023
At SqSave, we’re proud to share our respectable performance - especially for 2023 - that sets us apart from the competition. If you're looking to make your money work harder for you, it's time to consider putting your trust in SqSave.
Sep 4, 2023
The Fed looks at the core PCE (Personal Consumption Expenditures Price Index, Excluding Food and Energy). In August 2023, the core PCE was 4.3%, still far from the 2% target.
Aug 15, 2023
Thanks to our proprietary SqSave investment engine, we have automated investing the way it should be - seeking out better returns based on your preferred risk appetite over the medium to long term.
Aug 11, 2023
Investing in financial markets comes with its fair share of challenges and complexities.
Aug 4, 2023
On a Year-to-Date basis (till end July 2023), all our SqSave reference portfolios outperformed key competitors.
July 3, 2023
All SqSave reference portfolios delivered outstanding results in the first 6 months of 2023.
June 6, 2023
The US debt ceiling deal clears congress, ending the threat of a potentially catastrophic US debt default.
May 5, 2023
The Federal Reserve (“Fed”) on Wednesday announced its tenth consecutive interest rate rise, raising federal funds rate to a range of 5 to 5.25%, and has signalled that it is close to pausing interest rate hikes.
Apr 5, 2023
Core inflation remains stubborn in both the U.S. and the Euro area, with no signs of stabilizing back at central banks' 2% targets.
Mar 14, 2023
The recent volatility in the stock market can be attributed to various factors, including persistent inflation, changing interest rate expectations, economic growth worries, earnings results paired with future guidance and evolving geopolitical events.
Feb 15, 2023
Last year, many central banks around the world focused on fighting inflation by implementing rate hikes while guiding investors and the general public about the expected economic impact of their rate hiking campaigns (in their attempts to anchor and gradually reduce future inflation expectations).
Jan 18, 2023
It’s funny to see human psychology confused about investing and gambling.
Dec 13, 2022
As we approach the end of calendar 2022, we highlight how our SqSave algorithms have managed the lower risk portfolios under heightened market volatility.
Nov 29, 2022
We are dealing with extended anxiety in recent months. So far this year, the S&P 500 was down over 25% percent at its lowest closing level on 12 Oct 2022.
Nov 8, 2022
On a longer-term trailing 1 and 2-year basis, SqSave’s returns have mostly outpaced their benchmarks. In particular, our low to mid-risk portfolios have outperformed their benchmarks by 22.4%, 18.3%, and 10.4%, respectively. Following yet another month of wild market gyrations, SqSave’s reference portfolios managed to recoup some of their year-to-date downbeat performance.
Oct 6, 2022
A growing sense of despair seems to be taking hold across world markets as fears of recession abound, induced by the US Federal Reserve Bank’s aggressive interest rate hikes to fight inflation. Year to date until end September 2022, the S&P 500 and NASDAQ Composite Indices have reached bear market lows of -24.8% and -32.4%, respectively.
Sep 6, 2022
Our algorithms are not focused on short term monthly movements, but we monitor closely. That said, August was a poor month for our algorithms. Even then, we focus on more than one month as our algorithms are not designed to be trading oriented. Our data analytics for investing focus on at least a one-year time horizon.
Aug 2, 2022
While our lower risk portfolios did very well in the first few months of 2022, our mid to higher risk reference portfolios registered strong positive returns in July 2022.
July 9, 2022
In a 6th July 2022 6th July 2022 seedly.sg comparison of digital advisers, SqSave’s investment performance (in red box) is overall relatively better than the others.
June 13, 2022
The month of May is a sea of red for investing. This follows a “brutal April”. Almost everyone and everything is down, except inflation of course!
May 6, 2022
Our SqSave AI algorithms have steered our lower risk reference portfolios to show positive returns of 1.9% to +2.5% for the trailing 3 months & +0.6% to +4.2% for trailing 12 months up to 30 April 2022. This is remarkable given how most other competitors have shown negative returns for the same periods.
Apr 6, 2022
Our 12 Feb 2022 blog, “SqSave AI seems to know something’s happening” highlighted how our SqSave AI in Jan 2022 boldly sold out of Fixed Income investments and invested heavily in Gold/Commodities for the lower risk Conservative & Balanced reference portfolios.
Apr 1, 2022
Unlike other well-advertised competitors, SqSave has focused on its 100% AI system to deliver value to our clients.
Mar 28, 2022
The recent market correction since Dec 2021 into Jan/Feb 2022 revealed how our investment AI system managed downside risks across our lowest risk to highest risk portfolios.
Mar 11, 2022
In our 12 Feb 2022 blog, “SqSave AI seems to know something’s happening”, we shared our quant AI team’s observation of SqSave AI switching boldly out of Fixed Income instruments into Gold and Commodities – particularly for the lower risk Conservative & Balanced reference portfolios.
Mar 3, 2022
In this blog, we share insights into SqSave AI which helped our low-risk reference portfolio achieve +3.24 per cent growth in the month of February 2022!
Feb 24, 2022
After months of brazen military build on the Ukraine borders, the Russia-Ukraine standoff has moved from words to aggressive actions. We hope war and conflict can be averted. But that is not to be.
Feb 12, 2022
The Jan 2022 market correction resulted in the SqSave AI algorithms rebalancing the various reference portfolios.
Feb 5, 2022
As SqSave offers global portfolios from as low as ONE Dollar, we showcase the ONE Dollar portfolios below.
Feb 5, 2022
Volatile start to 2022 for both equity and bond markets
Feb 3, 2022
Gambling is a huge part of the Chinese New Year festivities. Pick up some investment knowledge while enjoying these popular CNY games!
Jan 19, 2022
Financial literacy and saving for a rainy day is a life skill that you, as parents, should start teaching your young children.
Jan 8, 2022
Is the market going to crash again like when Covid caused global panic in Feb 2020? Will the USA Federal Reserve move to start increasing interest rates crash the markets? You get the picture.
SqSave ONE Dollar Reference Portfolios
+12% & +17% during Jan-Dec 2021
+19% & +31% in 18 months since May 2020
Jan 8, 2022
SqSave offers global portfolios from as low as ONE Dollar. No more excuses!
SqSave Reference Portfolios Outperform Significantly in 2021
Delivered +14% to +25% Returns for whole year 2021
Jan 8, 2022
December 2021 saw jittery markets as the US Federal Reserve signaled an end to monetary easing. Inflation fears continue. Omicron threatened more infection waves.
Dec 21, 2021
Covid-19 saw dramatic expansionary fiscal and monetary policies across the world in 2020 and 2021.
Dec 13, 2021
Frequently dubbed one of the "next big things in tech", Artificial Intelligence (AI) applications have significantly evolved. From search engines to money management, AI brings unique solutions and possibilities to the table with its ability to harness vast amounts of data and make inferences about new data – beyond human capabilities.
SqSave Reference Portfolios Doing Well Despite Headwinds
Delivered +15% to +25% Returns YTD end-Nov 2021
Dec 3, 2021
November saw US equity markets setting new record highs but fell abruptly at month-end due to fears over the emerging Omicron Covid-19 variant, stubbornly high inflation due to global supply constraints and worries about the Federal Reserve’s next steps.
SqSave ONE Dollar Reference Portfolios
+14% & +19 during Jan-Nov 2021
+21% & +33% in 18 months since May 2020
Dec 3, 2021
We track two actual ONE Dollar SqSave portfolios which started in May 2020.
Nov 11, 2021
Gifting season is here! Want more meaning & value from your gift spending? Then get SqSave's Gift-a-Portfolio! Ideal for family, loved ones and friends, SqSave Gift-a-Portfolio grows financial security for life.
Nov 5, 2021
SqSave’s Reference Portfolios have risen +13% to +15% in the first 10 months of 2021, much higher than the estimated low single digits by competitors.
SqSave ONE Dollar Reference Portfolios
+12.3% & +15.2% in first 10 months of 2021
+19% & +29% in 17 months since May 2020 inception
Nov 1, 2021
We set up two actual ONE Dollar SqSave portfolios in May 2020.
Oct 5, 2021
Here are some ways you can develop your child's financial literacy habits from an early age.
Oct 5, 2021
Seasonally, September tends to be the worst performing month of the year. SqSave has managed to perform well despite headwinds.
Sep 6, 2021
We designed SqSave to start investing from ONE Dollar that we can help the unbanked millions, and those badly served with expensive financial products.
SqSave Performance Update
Reference Portfolios Edge Up Further in Aug 2021
+13% to +19% YTD end-Aug 2021
Sep 6, 2021
We are pleased to report that SqSave reference portfolios rose further in Aug 2021, beating some other competitors significantly this year.
Aug 5, 2021
On the back of very good returns for the first 6 months of 2021, our SqSave reference portfolios rose further in July 2021.
Jul 27, 2021
Wouldn’t it be good to teach the virtue of sharing or saving instead of spending?
Why not give an investment portfolio to friends and family instead of buying the usual gifts?
Jul 1, 2021
Over many years of investing experience, I realised that we are after all, human. Instead of really investing, we are mostly speculating and timing the markets.
Jul 1, 2021
In our end-May 2021 blog, we talked about being disciplined and quantitative, instead of following traditional investment folklore. Data proves it is better to stay invested instead of timing markets. That’s why we created SqSave AI to track markets 24/7.
Jun 26, 2021
Last night, someone who had read my blog dated 2 April 2021 asked about my SqSave portfolio…
Jun 5, 2021
As we closed the first week of June, the leading USA exchanges were boosted by better-than-expected jobs data. The flagship Dow Jones Industrial Average (DJIA) and S&P 500 hovered around recent record highs while the Nasdaq Composite which had experienced a tech selloff recovered.
May 31, 2021
There is a popular saying, "Sell in May and go away”! While we investment folks may call it folklore (no pun intended 😊), SqSave’s investment team takes a quantitative approach to make sense of it.
Apr 30, 2021
Following our first quarter 2021 performance update, SqSave is pleased to see that our Tactical Asset Allocation (TAA) adjustments are delivering good results!
Apr 13, 2021
At SqSave, we use data-driven Artificial Intelligence (AI) and Machine Learning (ML) techniques to optimize portfolio returns within projected risk parameters.
Apr 2, 2021
As at end-Mar 2021, my SqSave portfolio is up +27% since June 2019 (or 14% p.a)… Here, you can see that my portfolio which started in June 2019 with just SGD 15,000 is now worth almost SGD 19,000.
Mar 16, 2021
All of us still breathing should give pause to mourn those who have perished during this pandemic. Going forward, we must be mindful of the immense and uneven suffering wrought by Covid-19.
Feb 8, 2021
As we kick off the “Niu” Year of the Ox, SqSave invites you to go digital and gift a SqSave investment portfolio – instead of a cash Hongbao.
Jan 20, 2021
After years in investments, I realised that there was a limit to my capability. There is only so much information I can process within a given time. Yet, the world of investing was getting more complex.
Jan 4, 2021
As we start investing for 2021, let’s review my SqSave portfolios which I set up along the way since 2019.
December 10, 2020
Investment markets are expecting Biden to be sworn in as the next US President on 20 Jan 2020 - assuming Trump does not upset the apple cart. Investment markets do not like uncertainty.
December 1, 2020
Enthusiasm about vaccines drove USA stock markets to record highs in November 2020.
November 1, 2020
In the past two weeks, the stock market has become choppy. Headlines scream about the largest fall since whenever. That’s obvious, right?
October 7, 2020
Sorry to burst your bubble. There is no such thing as the best time to invest, unless you are a historian.
September 1, 2020
August 2020 has seen a recovery. While DJIA remains around 4% below its pre-Covid high, the S&P500 has finally broken through and setting new record highs.
August 31, 2020
A one dollar global portfolio? Yes! SqSave is designed to help anyone invest with low cost, using the power of AI and global diversification.
August 14, 2020
Since our launch, we had a decent ride managing market risks using our machine learning AI engine. The Covid crash showed that our system is crash-proof.
July 25, 2020
Two weeks since I wrote about SqSave’s bold allocation to Gold in my portfolio (and yours too, if you are a SqSave client), Gold continues to rise.
July 10, 2020
5-Year chart shows that gold is suddenly doing well in June 2019. 10-Year chart shows that gold is now back to its previous peak seen in Aug 2011.
May 19, 2020
We have trained our investment system to cover the 2008 Global Financial Crisis, it is interesting how it navigates a live market crash and ongoing volatility.
Apr 14, 2020
China's Shanghai Composite and Japan's Nikkei 225 closed at their highest since mid March 2020. Is this sharp recovery for real?
Apr 7, 2020
In typical gambling behaviour, people are mostly heading for the exits because they have lost everything (including what they won previously).
March 30, 2020
Yes, Covid-19 is different from the causes of previous crises. There is deliberate policy-induced economic contraction – unlike other crises.
March 30, 2020
The IMF is forecasting a global recession in 2020. On the bright side, some analysts are forecasting a recovery as early as the third quarter of 2020.
March 9, 2020
Greed and fear are the driving forces behind buying and selling decisions. We buy when there is an excessive greed. We sell when there is an excessive fear.
March 2, 2020
Major benchmark indices such as the Dow, S&P 500 and Nasdaq had the worst week since the Global Financial Crisis of October 2008. The CNN Fear And Greed Index has retraced from extreme greed levels in January to deep fear levels.
February 25, 2020
Despite the world fighting the Covid-19 outbreak, SqSave's portfolios are still showing positive performance. Our investments are well-diversified across global markets; mainly allocated to US REITS, US stocks, and China A-shares.
January 30, 2020
As with any flu outbreak, there will likely be an acceleration in the number of infections before it peaks and slows down. In the meantime, stay away from high-risk areas, practice good personal hygiene and use common sense. But what about our investments?
November 1, 2019
In the investment world, those who have more money pay the lowest fees. Those who have less money to invest - pay much more. It’s painful to see how these small investors are fleeced every day.
Victor Lye, CFA CFP®, Yi-Chen Chia, CFA CAIA FRM
Section 1: Introduction
Section 2: Pivot’s Factor Modelling with Machine Learning Analytics
Section 3: Portfolio Optimization on Pivot’s Factor Model
Section 4: Personalized Solution – Dynamic Advisory and Rebalancing
Aug 10, 2019
The global risk outlook has risen compared to 3 months ago. Concerns over global growth remain high amidst trade war fallout fears. Gold touched fresh multiyear highs while bond yields continue to fall. Negative interest rates threaten wiggle room for policy actions.
Jun 13, 2019
Internet social media has shifted the way news or facts are delivered and perceived – with profound implications for the way we should invest. I am asked by many these days about the implications for their investments because of the news frenzy about the USA-China trade war. I can understand the anxiety. Yet, I need to remind ourselves about our human short-term memories.
May 21, 2019
When investors ask me what I do, I cheekily tell them that I intend to replace their human investment manager. They think I am doing a marketing pitch for them to appoint me as their investment manager. When I clarify that I am not proposing myself in place of their investment manager and add that I am not claiming to be better than their investment manager, they get puzzled and curious.
May 7, 2019
Many years ago, when I was a stockbroker, I researched companies listed on various stock exchanges. Based on my research, I would recommend buying or selling the listed shares of specific companies to professional fund managers who typically managed unit trusts or mutual funds.
In this White Paper, we share how SqSave breaks new ground with gamification of risk profiling to restore some order to the muddied world of personal investing.
April 18, 2019
If you are new to investing, it can be very intimidating. Not everyone is schooled in finance or accountancy. Even for first-timers schooled in finance or accountancy, it can be confusing. Not everyone has the same gung-ho risk attitude. Yet there is a fear of losing out when you hear boasts from people who say how much money they made from investing.
April 11, 2019
For too long, investing has lost its way. With so many financial products and hard-selling, we risk paying too much for something unsuitable. It is an uneven playing field. Yet, we are to blame.
April 5, 2019
Many people say they invest. But they are really gambling or speculating! What aboout you? The difference in investing, gambling and speculating is in the underlying personal behavior which depends on attitudes towards the risks involved.