{"id":6126,"date":"2022-04-09T13:18:00","date_gmt":"2022-04-09T05:18:00","guid":{"rendered":"https:\/\/www.syfe.com\/magazine\/?p=6126"},"modified":"2022-04-14T13:28:22","modified_gmt":"2022-04-14T05:28:22","slug":"money-talk-slow-and-steady-wins-the-race","status":"publish","type":"post","link":"https:\/\/www.syfe.com\/magazine\/money-talk-slow-and-steady-wins-the-race\/","title":{"rendered":"Money Talk: Slow And Steady Wins The Race"},"content":{"rendered":"\n
\"\"<\/figure>\n\n\n\n

Building wealth is a marathon, not a sprint. Just like the tale of the tortoise and the hare, a steady, consistent approach can outpace a fast but inconsistent strategy. <\/p>\n\n\n\n

This is a mindset Wong Yuwen, a marketing manager, shares. \u201cI don\u2019t need instant high returns as I am more focused on saving enough to lead a self-sufficient lifestyle when I retire,\u201d she muses.<\/p>\n\n\n\n

Naturally, there can be times when being slow and steady feels boring. We\u2019ve all heard of friends who\u2019ve made a quick buck – and sent their pulses racing – from buying and selling an investment within just a day or two.\u00a0<\/p>\n\n\n\n

Sticking to her guns<\/strong><\/h2>\n\n\n\n

But after witnessing her parents\u2019 divergent views on investing, Yuwen is sticking to her investment philosophy. \u201cAs my parents were busy, they didn\u2019t know what was safe to invest in\u2026 My mom kept her money in the banks, and my dad traded forex \u2013 which did not work for him because he had no time to follow up with the daily changes and world news,\u201d she explains.<\/p>\n\n\n\n

Their opposing views resulted in many disagreements. Yuwen recounts how her parents argued over the right way to save and earn passive income for their retirement. This experience shaped how she invests today.<\/p>\n\n\n\n

\u201cI know that saving money in the bank will definitely not help grow my money,\u201d she says. Instead, she chooses to invest consistently each month with Syfe. \u201cIt\u2019s simple, it\u2019s easy. I just put my money in and see it grow.\u201d<\/p>\n\n\n\n

Sudden gains, sudden losses<\/strong><\/h2>\n\n\n\n

As markets remain volatile, a steady, consistent approach to investing can help investors rein in their emotions too. For instance, say you\u2019re chasing a hot stock and the momentum starts reversing as the stock becomes overbought. It can be tempting to succumb to panic and sell the stock without considering its fundamentals. <\/p>\n\n\n\n

\"\"\/
Image credit: The Financial Express<\/figcaption><\/figure>\n\n\n\n

But stock price fluctuations are normal for every stock. Even a company with solid fundamentals can see its share price zigzag on market news and investor sentiment. Over the long term however, the share price of a well-run company tends to rise.<\/p>\n\n\n\n

\u201cStay calm when things are all over the place,\u201d urges Anubhav Gupta, VP of investments at a family office. As a seasoned investor, he knows that wild gyrations in the market can lead to sudden gains and sudden losses. Steady and consistent investors are however, less likely to overreact to market moves that may turn out to be temporary.<\/p>\n\n\n\n

\"\"\/<\/figure>\n\n\n\n

Consistency is key<\/strong><\/h2>\n\n\n\n

Consistency is the name of the game. \u201cThink long term, but be mindful of the short term too,\u201d Anubhav says of his investing philosophy. <\/p>\n\n\n\n

Indeed, investors who change course a lot based on short-term market gyrations may actually lose out. In the 2022 edition of their Quantitative Analysis of Investor Behavior report, investment research firm Dalbar once again showed that the average investor earns below-average returns.<\/p>\n\n\n\n

The average equity fund investor earned a return of just 7.13% over the past 30 years, although the S&P 500 turned in a 10.65% return. The Dalbar study points to investor behaviour as the root cause. <\/p>\n\n\n\n

\"\"\/
Study source: Dalbar QAIB 2022 Study <\/figcaption><\/figure>\n\n\n\n

Investors tend to pursue short-term strategies when they experience market volatility. They may change or shift their portfolios on market moves, or they simply don\u2019t give their investment plan enough time to bear fruit.<\/p>\n\n\n\n

The takeaway is that any investment strategy is only as good as an investor\u2019s ability to be consistent with it through market ups and downs.<\/p>\n\n\n\n

Steady does it <\/strong><\/h2>\n\n\n\n

If, like Yuwen, you prefer a steady, consistent approach to investing, you\u2019ve come to the right place.\u00a0Syfe helps you invest in globally diversified portfolios<\/a>. With no minimum investment and no brokerage fees, it\u2019s easy to start investing regularly.\u00a0<\/p>\n\n\n\n

Getting started is as simple as downloading the Syfe app and signing up for an account<\/a> using Singpass. After you fund your account, we do the rest: Investing, rebalancing, and reinvesting your dividends automatically. <\/p>\n\n\n\n

For Anubhav, this simplicity and hassle-free investing is what drew him to our platform. \u201cSyfe is licensed by the MAS too, so I know that my money is safe.\u201d <\/p>\n","protected":false},"excerpt":{"rendered":"

We speak with Syfe clients Yuwen and Anubhav on their investing approach<\/p>\n","protected":false},"author":3,"featured_media":6127,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[16],"tags":[33],"class_list":{"0":"post-6126","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-grow-wealth","8":"tag-popular"},"acf":{"readingTime":"","authorName":"","authorThumbnail":false,"BLUE_TIER":"0","BLACK_TIER":"0","GOLD_TIER":"0","PRIVATE_WEALTH_TIER":"0","PRE_AML":"0","POST_AML":"0","NO_GLOBAL_PORTFOLIO":"0","NO_REITS_PORTFOLIO":"0","NO_EQUITY_PORTFOLIO":"0","NO_CASH_PORTFOLIO":"0","HAS_ADVISOR":"0","INVESTMENT_PORTFOLIO_AUM":"0","AFTER_AML_DATE":"","AFTER_ACCOUNT_CREATED_DATE":""},"yoast_head":"\nMoney Talk: Slow And Steady Wins The Race | Syfe<\/title>\n<meta name=\"description\" content=\"Building wealth is a marathon, not a sprint. 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