Investment Insights

  • Cash is King

    Today, the S&P 500 hits 1,872.341; after closing the highest ever, at 1878.042, on March 7, 2014. The last low for the current bull run was March 9, 20093, more than five years ago. Since 1950, with S&P 500 as a gauge, the length of a bull market in the U.S. has averaged 54 months4, […]

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  • Do Funds in Your ILP Matter? Of Course!

    How many of us have ever done funds switching in an Investment-linked insurance policy or Investment-linked Insurance Plan (ILP)? The most likely answers are “No, never,” or “Hardly.” At Unicorn, we are concerned with all aspects of our clients’ finances, which include Wealth Protection (where ILPs are our focus today), Wealth Accumulation, Wealth Management, and […]

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  • FED Tapers QE3… Finally

    After an almost nail-biting wait for Federal Open Market Committee* to sit on December 18, 2013, for news of an impending taper, it’s finally decided that the Quantitative Easing (QE) is to be dialled back next month, from $85billion to $75billion, monthly1. Coupled with a stronger commitment to keep the short-term interest rates target at […]

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  • Time to leave the Party before a Hangover?

    Graph from http://www.dollardex.com/sg/index.cfm?current=investUTgraph/home&productID=1257 And http://www.dollardex.com/sg/index.cfm?current=investUTgraph/home&previous=investUTgraph/home (after adjustment to a 7-year View Period). It is often said that a picture tells a thousand words, and this is the performance of one of our recommended U.S. funds over the last four years. As financial planners and risk managers, we are constantly looking out for opportunities, as well as […]

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  • U.S. Recovers From Shutdown, Remains a Significant Recommendation

    News about the U.S. Government shutdown and debt ceiling has gripped the world with ramifications felt most acutely in the country with a furlough declared on about 800,000 federal workers1. Many have also warned about the ripple (or perhaps, tsunamic) effects to be felt by the world economy should the shutdown since October 1 continue […]

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  • Taking a Longer Time For a Polished GEM

    In August 2007, slightly more than 6 years ago, with the U.S. subprime loan market warning of losses as a backdrop, the Global Emerging Market (GEM) took the second worst hit in a week, with $1.4billion being pulled from it.1 Let’s fast forward to August 2013, the Indian rupee and Turkish lira had just fell […]

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  • Holding Steady in China

    The Chinese banking system is an enigma to many, and it doesn’t help when its shadow banking system is supposed to be flush with US$1.3trillion1. What is shadow banking, and why the fuss? The Wall Street Journal has described the situation in China2: “In a typical scenario, a borrower that needs money for a steel […]

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  • UNICORN’S PAST INVESTMENT CALLS

    Any investment adviser who claims to have perfect forecasting ability is not to be trusted; no one knows the future perfectly. But with an alert and robust process for reviewing different investment opportunities as time goes by, a good investment adviser can be right a high percentage of the time. Unicorn has just such a […]

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  • Investing in China

    As mentioned in the last issue, we are putting our money on Miss China as she has appeared to be the least unlovely in the company of a bevy of “beauties”. Of course, China is not without its problems. Most recently, China’s property market is rife with speculation, and China is definitely not keen to […]

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  • No Longer The Norm

    It seems that the days are over when we can expect the following indicators to be “normal”. Interest rates are no longer 4 – 5%, nor are P/E ratios at 15 – 16 times*. Even inflation has taken a hit, which is, of course, welcome news. But, are these anomalies going to cost us? Will […]

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