Financial Horse

Top-end concierge services in Singapore broadly falls into three buckets: credit-card concierge, stand-alone luxury concierge clubs, and digital app-based concierge. They all do roughly the same thing (bookings, access, logistics) but at different levels of hand-holding, quality and price. Let’s explore if these services could be right for you. This article was written by a [...

In this week’s FH Premium article, I shared my views on whether bank stocks or REITs are a better buy today. Banks are the strong momentum play, while REITs are the mean reversion play. This led to a great question from a subscriber: Amongst the three banks, which one would be the most interesting buy […]

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One afternoon in 1988, Cher was rehearsing in a Los Angeles recording studio when a man with wild hair, a stern face, and biker gear showed up. His name was Richard Stark. He was not carrying a polished luxury pitch deck. He was not backed by a French conglomerate. He was not trying to sell […]

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In the weekend portfolio and macro update, I shared that after the huge rally, the S&P500 looks overbought here. The RSI sits at 70 – the last time the S&P500 was this overbought was mid 2024 and 2025, both of which were followed by mild corrections (but no trend break). Meanwhile AI stocks are going […]

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Singapore couples are marrying later and making big money choices earlier. It’s not uncommon to hear a proposal that begins with “Will you BTO with me?”. Household incomes rose in 2025: median monthly household market income rose to $12,446. For married couples with young kids, spending is highly concentrated: housing + food + transport + […]

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