OCBC Premier Banking Insights

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italic" id="__date_idea">November 2024</h5> </div> <div class="l-market-right"> <div class="l-market-divider"></div> </div> <div class="clear"></div> </div> <div class="l-market-content"> <div class="l-market-item"> <div class="l-market-left"> <h4 class="bold italic">Monthly</h4> </div> <div class="l-market-right"> <div class="l-market-expandable"><a href="insights/investment-idea" target="_blank"> <div class="l-market-expandable-header"> <h3 id="__content_monthly_idea">Stay diversified</h3> <div class="l-market-expandable-arrow"><img class="arrow-right-dark" src="/iwov-resources/sg/ocbc/premier/images/arrow-right-dark.png"><img class="arrow-right-gold" src="/iwov-resources/sg/ocbc/premier/images/arrow-right-ppc-gold.png"></div> </div></a></div> </div> <div class="clear"></div> </div> <div class="l-market-item"> <div class="l-market-left"> <h4 class="bold italic">Quarterly</h4> </div> <div class="l-market-right"> <div class="l-market-expandable"><a href="insights/top-fund" target="_blank"> <div class="l-market-expandable-header"> <h3>Top Fund Ideas For 4Q2024</h3> <div class="l-market-expandable-arrow"><img class="arrow-right-dark" src="/iwov-resources/sg/ocbc/premier/images/arrow-right-dark.png"><img class="arrow-right-gold" src="/iwov-resources/sg/ocbc/premier/images/arrow-right-ppc-gold.png"></div> </div></a></div> </div> <div class="clear"></div> </div> </div> </div> </div> <div id="__content_investment_strategies" style="display: block;"> <h2>Investment Strategies</h2> <div class="l-market"> <div class="l-market-part inview fadeIn"> <div class="l-market-header mb2"> <div class="l-market-right wide"> <div class="l-market-divider"></div> </div> <div class="clear"></div> </div><input type="hidden" value="1674196933231premier-banking/en/investment-strategiespremier-banking/en20 January 2023Investment Strategies 1premier-bankingenTaking the emotions out of 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<p><strong>Vasu Menon,</strong>&nbsp;<br />Executive Director,<br />Investment Strategy,<br />Wealth Management Singapore,<br />OCBC Bank</p><p>Making an investment decision goes beyond objective analysis. Our investment choices are often affected by our emotions or biases which can result in poor outcomes. It is not easy to take the emotions out of investing but being aware of behavioural biases can help us to make less emotional decisions and better investment choices.</p>
<p><strong> Home bias </strong></p>
<p>There is tendency for investors to invest in assets in their own country because of familiarity.</p>
<p>Investors often confuse familiarity with knowledge, and therefore suffer from over-confidence with local markets or investments that they are more familiar with.</p>
<p>However, things can go wrong with the economy and financial markets at home and it makes sense to reduce this risk by diversifying geographically.</p>
<p>This is especially so if you are employed in your home country and have bought a house there and invested in other properties as well, in which case you already have significant exposure back home and may be inadvertently taking on more risk than you realise when you tilt your portfolio towards stocks and bonds listed at home.</p>
<p>There could also be attractive global investment opportunities you are missing out on by being too home-centric.</p>
<p>For those with the means and know-how, they can do their own research and buy into individual stocks listed in other markets.</p>
<p>For those with less time on their hands, a good way to invest in overseas markets is through unit trusts or funds available here.</p>
<p>The trick of course is to pick the right fund managers and right funds, and this is where a good relationship manager supported by good research can help you to zero in on attractive fund ideas.</p>
<p><strong> Confirmation bias or Anchoring </strong></p>
<p>People are often drawn to information or ideas that validate their existing beliefs and opinions.</p>
<p>For example, an investor may have a view about a stock and may gravitate towards information sources that confirm that view to justify why he should purchase the stock or hold on to it even though the share price may be doing poorly.</p>
<p>One way to overcome this is to read widely and to consider information from multiple sources. It is important to be objective when evaluating an investment and to keep an open mind about alternative views that may contradict what your belief. Bouncing your investment ideas off a financial advisor may be helpful in getting an alternative view.</p>
<p><strong> Overconfidence bias </strong></p>
<p>Overconfidence bias is the tendency among investors to overestimate their predictive abilities.</p>
<p>Such overconfidence can cause unnecessary losses if it lulls an investor into complacency and results in excessive risk taking. If markets do not turn out the way an investor had predicted, he may refuse to accept his mistake and may cling on to his investment, resulting in larger losses than if he had come to terms with his mistake and cut losses.</p>
<p>Investors need to stay objective and not take on excessive and concentrated risk because they are sure minded about their prognosis. Careful and thorough research and diversification are ways to reduce risks that come with overconfidence bias.</p>
<p>One way to overcome the overconfidence bias is for Investors to seek help from an investment advisor who can offer independent and objective views and help manage their emotions and expectations during market downturns.</p>
<p><strong> Recency bias </strong></p>
<p>Recency bias is the tendency for investors to chase investment performance by looking at the recent strong performance of an investment and assuming that this can continue unabated in future.</p>
<p>Past performance is no guarantee of future performance. In fact, when an investment has done very well in recent years it pays be to extra careful because the easy money may already have been made and you could be buying at the peak.</p>
<p>To avoid making poor investment decisions based on past performance one should delve into the reasons for the strong performance to see if it was due to exceptional factors which may not recur. Also, get a sense of the investment&rsquo;s valuation to assess if it&rsquo;s still fairly-valued.</p>
<p><strong> Herd mentality </strong></p>
<p>Some investors take comfort from the fact that many others are piling into an investment and follow the herd without doing careful research first or assessing if the investment suits them.</p>
<p>It is important to stop and ask yourself why you are making an investment and looking to see if it aligns with your risk appetite and financial plan.</p>
<p>Cryptocurrencies are on example of how herd mentality can result in substantial losses.</p>
<p>One way to overcome the herd mentality bias is to be extra careful when you hear too much of hype about an investment which has already rallied sharply. In other words, be fearful when others are greedy. Don&rsquo;t let greed get the better of you.</p>
<p><strong> Loss aversion bias </strong></p>
<p>Loss aversion or regret aversion describes wanting to avoid the feeling of regret experienced after making a bad investment decision by avoiding riskier investments.</p>
<p>Avoiding risk may limit your ability to grow your wealth and could affect the achievement of longer term financial goals like building an adequate nest-egg for a comfortable retirement.</p>
<p>Regret aversion can also explain an investor&rsquo;s reluctance to sell losing investments to avoid confronting the fact that they have made poor decisions.</p>
<p>Investors need to face the reality that they are only human and may be susceptible to poor investment decisions from time to time. The key thing is to learn from mistakes to minimise losses in the future. To minimise losses, do careful research before investing, do not over-invest in anything and stay diversified to reduce risk. Also, do not focus only on returns when making an investment, be mindful of the risks as well and only buy products that suit your risk appetite.</p>
<p>Getting a financial advisor who doesn&rsquo;t have your emotional baggage to review your portfolio and suggest how you can make changes to the portfolio may be one way to overcome regret aversion.</p><p>The information provided herein is intended for general circulation and/or discussion purposes only. It does not take into account the specific investment objectives, financial situation or particular needs of any particular person. The information in this document is not intended to constitute research analysis or recommendation and should not be treated as such.</p>
<p>Without prejudice to the generality of the foregoing, please seek advice from a financial adviser regarding the suitability of any investment product taking into account your specific investment objectives, financial situation or particular needs before you make a commitment to purchase the investment product. In the event that you choose not to seek advice from a financial adviser, you should consider whether the product in question is suitable for you. This does not constitute an offer or solicitation to buy or sell or subscribe for any security or financial instrument or to enter into a transaction or to participate in any particular trading or investment strategy.</p>
<p>The information provided herein may contain projections or other forward looking statement regarding future events or future performance of countries, assets, markets or companies. Actual events or results may differ materially. Past performance figures are not necessarily indicative of future or likely performance. Any reference to any specific company, financial product or asset class in whatever way is used for illustrative purposes only and does not constitute a recommendation on the same. Investments are subject to investment risks, including the possible loss of the principal amount invested.</p>
<p>The Bank, its related companies, their respective directors and/or employees (collectively &ldquo;Related Persons&rdquo;) may or might have in the future interests in the investment products or the issuers mentioned herein. Such interests include effecting transactions in such investment products, and providing broking, investment banking and other financial services to such issuers. The Bank and its Related Persons may also be related to, and receive fees from, providers of such investment products.</p>
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www.ocbc.com/personal-banking/premier-banking/premier-banking/insights"><div class="l-market-content"> <div class="l-market-item article-1" style="display: block;"> <div class="l-market-expandable"><a href="insights/investment-strategies-1" target="_blank"> <div class="l-market-expandable-header"> <h3>Taking the emotions out of investing</h3> <div class="l-market-expandable-arrow"><img class="arrow-right-dark" src="/iwov-resources/sg/ocbc/premier/images/arrow-right-dark.png"><img class="arrow-right-gold" src="/iwov-resources/sg/ocbc/premier/images/arrow-right-ppc-gold.png"></div> </div></a></div> <div class="clear"></div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> <div class="container-fluid iw_section" id="sectionjmeo4nvo"> <div class="row iw_row iw_stretch" id="rowjmeo4nvp"> <div class="iw_columns col-lg-12" id="coljmeo4nvq"> <div class="iw_placeholder" id="iw_placeholder1537695384035"> <div class="iw_component" id="iw_comp1589847527554"> <div> <div class="contain" id="video-section" style="margin-bottom: -50px;"> <h2>OCBC Insights videos</h2> <div class="l-market vid-wrap" style="margin: 0px -15px;"> <div class="vid-list"><a data-fancybox="popup-video12aug24" data-src="#popup-video12aug24" href="javascript:;"> <div class="vid-thumb"><img class="card-img-top img-fluid" src="/iwov-resources/sg/ocbc/premier/images/steering-thru.jpg" /> <img src="/iwov-resources/sg/ocbc/premier/images/play-btn.png" class="play-btn" /></div> </a> <h3>Steering through Global Complexities</h3> <a data-fancybox="popup-video12aug24" data-src="#popup-video12aug24" href="javascript:;"> <br /><span style="font-size: 14px; color: #36322a;">16 July 2024</span> </a> <p>Investors are facing several economic and geopolitical complexities that are posing challenges as they seek opportunities to growth their wealth. 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