https://reddotinvest.com/ Personal finance & investing education for the informed reader. en Tue, 08 Sep 2026 04:16:24 GMT https://reddotinvest.com/posts/2026-09-11-rebalancing-when-letting-winners-run-becomes-the-riskiest-move/ https://reddotinvest.com/posts/2026-09-11-rebalancing-when-letting-winners-run-becomes-the-riskiest-move/ Fri, 11 Sep 2026 00:00:00 +0800 If you never rebalance, you never actually choose your risk — the market chooses it for you. Here is the rules-based way to take it back. rebalancingasset allocationinvesting habits https://reddotinvest.com/posts/2026-09-10-cpf-investing-the-retirement-race-you-should-probably-not-run/ https://reddotinvest.com/posts/2026-09-10-cpf-investing-the-retirement-race-you-should-probably-not-run/ Thu, 10 Sep 2026 00:00:00 +0800 CPF already pays you a guaranteed rate. Before you invest CPF funds, you need to know the benchmark you are trying to beat — and what losing means. Facts current to Q3 2026. cpfsingaporeretirement planning https://reddotinvest.com/posts/2026-09-09-bond-yields-and-duration-what-the-fall-actually-tells-you/ https://reddotinvest.com/posts/2026-09-09-bond-yields-and-duration-what-the-fall-actually-tells-you/ Wed, 09 Sep 2026 00:00:00 +0800 A falling bond price is not a loss — it is a raise in your future income. Understanding yield and duration changes how you read the news. bondsfixed incomeyield curve https://reddotinvest.com/posts/2026-09-08-your-emergency-fund-is-part-of-your-portfolio--not-the-enemy-of-it/ https://reddotinvest.com/posts/2026-09-08-your-emergency-fund-is-part-of-your-portfolio--not-the-enemy-of-it/ Tue, 08 Sep 2026 00:00:00 +0800 Holding cash feels like it's dragging your returns. In reality, it is the engine that lets your investments stay invested. emergency fundcash managementpersonal finance https://reddotinvest.com/posts/2026-09-07-dollar-cost-averaging-the-case-for-showing-up/ https://reddotinvest.com/posts/2026-09-07-dollar-cost-averaging-the-case-for-showing-up/ Mon, 07 Sep 2026 00:00:00 +0800 Market timing is a game you lose on the days you quit. Dollar-cost averaging removes timing from the equation entirely. investing basicsdollar-cost averaginghabits https://reddotinvest.com/posts/2026-09-06-interactive-brokers-singapore-the-case-for-the-cheapest-seat/ https://reddotinvest.com/posts/2026-09-06-interactive-brokers-singapore-the-case-for-the-cheapest-seat/ Sun, 06 Sep 2026 00:00:00 +0800 IBKR is where Singapore's fee-conscious index investors end up. These are the 2026 numbers against its own pricing pages — and where it quietly doesn't fit. brokersinvesting basicsfeessingapore https://reddotinvest.com/posts/2026-09-06-singapore-savings-bonds-and-t-bills-where-boring-money-earns-its-keep/ https://reddotinvest.com/posts/2026-09-06-singapore-savings-bonds-and-t-bills-where-boring-money-earns-its-keep/ Sun, 06 Sep 2026 00:00:00 +0800 The two instruments Singapore's government gives retail investors — and the 2026 numbers that decide which one you actually want. singaporecash managementfixed income https://reddotinvest.com/posts/2026-09-06-understanding-risk-tolerance-before-you-invest/ https://reddotinvest.com/posts/2026-09-06-understanding-risk-tolerance-before-you-invest/ Sun, 06 Sep 2026 00:00:00 +0800 A practical framework for evaluating your true risk tolerance — beyond the questionnaire — before committing capital to the markets. personal financerisk managementinvesting basics https://reddotinvest.com/posts/2026-09-05-the-case-for-core-etfs-building-blocks-not-bets/ https://reddotinvest.com/posts/2026-09-05-the-case-for-core-etfs-building-blocks-not-bets/ Sat, 05 Sep 2026 00:00:00 +0800 Why broad index ETFs are the foundation of a boring, effective portfolio — and how to read the ones on our dashboard. ETFsinvesting basicsportfolio construction https://reddotinvest.com/posts/2026-09-04-asset-allocation-the-only-free-lunch/ https://reddotinvest.com/posts/2026-09-04-asset-allocation-the-only-free-lunch/ Fri, 04 Sep 2026 00:00:00 +0800 Two assets that don't move together can deliver the same return with less risk. That is the entire discipline of investing. asset allocationportfolio constructionbonds