Categories Stocks REIT & Fixed Income Tax & CPF Strategies FH Reacts Crypto Property Asset Allocation China Guide to Investing Personal Finance Interviews Top Weekly Reads Ask Financial Horse REIT & Fixed Income Tax & CPF Strategies Asset Allocation Guide to Investing Personal Finance Top Weekly Reads Ask Financial Horse Best Platforms Best Stockbrokers Crypto Trading Platform Best Stockbrokers Crypto Trading Platform Guides Guide to Investing How to start investing in Singapore in 2020? (Guide) REITs Investing Masterclass FH Course Stocks MasterClass Guide to Investing How to start investing in Singapore in 2020? (Guide) REITs Investing Masterclass Stocks MasterClass About us – Who is Financial Horse? Categories Stocks REIT & Fixed Income Tax & CPF Strategies FH Reacts Crypto Property Asset Allocation China Guide to Investing Personal Finance Interviews Top Weekly Reads Ask Financial Horse REIT & Fixed Income Tax & CPF Strategies Asset Allocation Guide to Investing Personal Finance Top Weekly Reads Ask Financial Horse Best Platforms Best Stockbrokers Crypto Trading Platform Best Stockbrokers Crypto Trading Platform Guides Guide to Investing How to start investing in Singapore in 2020? (Guide) REITs Investing Masterclass FH Course Stocks MasterClass Guide to Investing How to start investing in Singapore in 2020? (Guide) REITs Investing Masterclass Stocks MasterClass About us – Who is Financial Horse? Should you defer CPF LIFE to 70 for S$2,380 a month instead of S$1,780 — is the 5-year wait worth S$107,000? Grab shares plunge 59% in 1 year – Will I sell my shares or buy more? Famous Wealth Planning Mistakes – And What We Can Learn From Them Keppel DC REIT buys two Tokyo data centres for S$1.37 billion — is this a good deal, and will I buy this REIT at... OCBC is cheap (undervalued) at $32? – Why I disagree despite being a shareholder Lifestyle Upgrades Worth The Splurge? Your spouse inherits S$1 million and has never bought a stock — what should the portfolio look like? S-REITs are back at Iran-war lows and yield 6.4% — will I buy back the REITs I sold this year? How to Unpack Financial Baggage — and Finally Take Control of Your Money in Singapore Singapore inflation jumps to 2.2% — but T-bills pay just 1.56%. Where should you park cash now? Keppel Infrastructure Trust pays a 7.6% dividend yield — will I finally sell this business trust? Ageing, Innovation and AI: 10 Healthcare Stocks Positioned to Benefit

Macro Asset Allocation How I would invest $1 million today – amid higher interest rates and the Iran war AI stocks crash 58% in 1 month, while oil soars 30% – How would I invest $1 million today? Has the AI Bubble Burst? Will the Iran war cause a market crash? And why I sold my REITs? Is $2.5 Million Enough to Retire in Singapore? Why the 4% Withdrawal Rule may Fail you Gold and Bitcoin have crashed 50% – Is this the buying opportunity we’ve been waiting for? Iran war is “over” – How would I invest $1 million today for the recovery? Buy bank stocks, AI, REITs? Grab shares plunge 59% in 1 year – Will I sell my shares or buy more? OCBC is cheap (undervalued) at $32? – Why I disagree despite being a shareholder OCBC profit up 22%, UOB down 5% — which Singapore bank would I buy after record Q2 earnings? STI at all-time highs, gold down 26% from the peak – should you buy the LionGlobal Signature Singapore Suite? UOB shares jump 10% in 1 week to record highs — Is the cheapest Singapore bank finally catching up to DBS and OCBC? My 3 Biggest Investment Mistakes in 2026 (so far) — and what were my investment returns for the year? REITs & Fixed Income S-REITs are back at Iran-war lows and yield 6.4% — will I buy back the REITs I sold this year? Keppel Infrastructure Trust pays a 7.6% dividend yield — will I finally sell this business trust? Ascendas REIT drops to COVID prices and pays a 6.2% dividend yield – Are REITs a good buy once again? PIMCO GIS Income Fund at 5.4% yield – A better buy than REITs? Ascendas REIT drops 16% – Will I subscribe for the preferential offering at 6.6% dividend yield? Lendlease REIT buys PLQ Mall – Shares fall 13%? Will I buy this REIT after the preferential offering? Guide to Investing Your spouse inherits S$1 million and has never bought a stock — what should the portfolio look like? If you died tomorrow, can your family actually run your portfolio? The one-page plan + 5 documents to leave behind You die with S$500,000 in your brokerage account – How long before your family sees the money? Can you give your password to your... Singapore’s average wealth hits S$680,000 — but the median is just S$123,000. What’s going on? (UBS Global Wealth Report 2026) Will I start buying China stocks again? Have China stocks bottomed? China Stocks keep falling after disappointing stimulus – Is this a buying opportunity or falling knife? Have China stocks bottomed? Why I bought more China stocks last week? Will I buy China stocks in 2024? Have China stocks bottomed? 6 common myths about mortgages in Singapore — what home buyers often miss From Singapore to New York: Housing Affordability in 10 Global Cities Fixed vs Floating rate Mortgage: Which should you choose in February 2026? (as a Singapore Investor) Singapore Property Outlook 2026: Are We in a “Soft Landing” Property Market Now? What Should Smart Buyers Do Next? Is Renting Better than Owning a Property in Singapore? Top 10 Renovation Tips to Save Money Should you defer CPF LIFE to 70 for S$2,380 a month instead of S$1,780 — is the 5-year wait worth S$107,000? Retiring with S$2 million in cash, SRS, CPF and stocks — which should you draw down first? CPF as a Bond Ladder: Earn 4%+ yield for 20 Years and Stay Liquid—Blueprint for Your 30s, 40s, 50s 55 year old with $650k in CPF OA – Should he invest the money or pay off his mortgage? CPF Special Account closed at age 55 now – How does this affect Singapore Investors in retirement? Can you invest to replace CPF-SA? Supplementary Retirement Scheme (SRS): Essential Tips for your 20s and 30s Personal Finance Famous Wealth Planning Mistakes – And What We Can Learn From Them Lifestyle Upgrades Worth The Splurge? How to Unpack Financial Baggage — and Finally Take Control of Your Money in Singapore Ageing, Innovation and AI: 10 Healthcare Stocks Positioned to Benefit Financial Horse was founded with a simple goal – To provide high quality financial commentary, in plain English. FH is a Singapore based investor with too many years of experience (and mistakes) investing in financial markets in Singapore, US and China/Hong Kong. FH's portfolio includes equities (US, China/HK, Singapore), S-REITs, CPF, and an emergency fund held via savings accounts and bonds. FH is consistently ranked among Singapore’s top finance & investment bloggers. FH was awarded SGX’s best digital platform / go-to site in 2021, and has been featured in numerous local media such as the Straits Times, Lianhe Zaobao and Channel News Asia (Money Mind). Read more About Us . 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