Li JiaQian

Just completed the BlackRock Masterclass, and wow, what an incredible experience! 🌟 Beyond the technical knowledge that BlackRock always shared, this class reaffirmed the values I hold close—integrity and lifelong learning.

In a world that's constantly evolving, staying curious and committed to growth is key. Whether it's in finance or any field, the pursuit of knowledge should never stop. And as I continue on this journey, I’m reminded that doing what's right—acting with integrity—always leads to long-term success.

Pity I couldn't share more, but it is always good to put insights into actions. 先记录，再记忆!

Grateful for this opportunity and excited to apply what I've learned in both my personal and professional life. Here's to the never-ending journey of growth!

New changes on CPF during budget 2024. What's your take?

🏆🎉 Thankful and Grateful! 🙏✨

To my family, friends, and clients, thank you for always believing in me. Your constant support, trust, and understanding have been my pillars of strength throughout this journey. I am blessed to have you in my life.

Thank you each and every Apexians. Each one of you has played a significant role in shaping my journey, and I am forever grateful.

I also want to extend my sincere gratitude to my amazing PA(s), without your help none of this would have been possible.

Receiving this award is a reminder that hard work, determination, and staying true to oneself can lead to remarkable achievements. It inspires me to keep pushing boundaries, to continue growing as an individual, to make a positive impact in my field, and to your life.

Once again, thank you from the bottom of my heart for this incredible recognition. I am overwhelmed with gratitude, and I promise to continue striving for excellence in everything I do.

With the 30-year inflation data and fear of recession in 2023, alongside many other factors, the Nasdaq and S&P 500 fell by over 30% and 20%.

Consumer prices rose just 0.1% in November, less than expected in November, up 7.1% from a year ago. Although consumers grew more optimistic about inflation amid expectations that both food and energy price increases would be less severe in the coming year, the fear of recession in 2023 persist.

Looking back, in 4Q2021, interest rate is forcasted to increase by 3 times, and in reality, there had been a total of 7 rate hikes in 2022. The FED is aggressively pushing borrowing rates to 4.25 to 4.5% in order to combat inflation.

The year is coming to an end pretty soon, the interest rate forecast is to increase to 5.1% and ease off gradually in 2024 and 2025.

Even though the market is down this year, annualized returns is still at 9-10% returns. Take advantage of current market conditions and additional perks and bonuses to start off your investment journey on the right footing!

Happy investing and Merry Christmas!

As the year is ending, it is also the time to reflect and be thankful of all things in life!

“A 40% lower tax bill with a SRS contribution”

You can consider contributing to Supplementary Retirement Scheme to save on your taxes and save for your retirement! 😎

Year end is coming! If you have not heard of SRS before, refer to the posts to understand what is it about and how can SRS account helps you financially!

Reach out to me if you still have questions or need guidance on how to go about it!

Many factors played a part in the declining market this year. These include Covid-19, the Russia-Ukraine war, food shortages, supply chain disruption, the China property crisis, the crypto bubble, high inflation rate. Bad news seems to be coming altogether.

We are still not out of the woods yet. However, the world seems to have a better grasp of the situation. The nearly 40-year high inflation continued to be a risk factor in today's market. The long-term target is for the interest rate to be around 2-3%. The interest rate is currently over 3% to fight the high inflation and is projected to be over 4% in Q2 2023.

Higher interest rate means businesses that leverage on borrowed money will have a lesser profit margin, and homeowners will be footing a higher monthly mortgage payment. It is not all doom and gloom. With higher interest, bank savings, bonds, and treasury bills are now giving higher returns in the short term. For people with idle cash and a longer time horizon, the equity market is definitely looking much more attractive than before.

The Biggest Risk is not taking any risk.

In a world that is changing rapidly, the only strategy that is guaranteed to fail is not taking any risks.

In a rising interest rate environment, playing 'safe' by putting money in bank deposits will only result in the value of money getting 'eaten' by inflation.

Technology are taking over how we live and do business. By not upgrading and improving, we will be replaced by machines.

And in a race, you only get to win when you move forward.