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Disruption Returns

The Corona Virus outbreak in China brings the heavily underestimated power of disruption to the global economy into sharp focus. The effect of a virus in a globalised world is far more than in closed economies. Interconnections kick in immediately. Instantaneous news spurs people to suddenly stop buying goods from…


Voluntary Retirement Scheme (VRS)

Voluntary Retirement Scheme  Retirement is closer than we think. Especially for those opting for the Voluntary Retirement Scheme (VRS). VRS is a scheme offered by employers to incentivise long-term employees to retire early. Normally, employees stay in the workforce until they attain superannuation (i.e. turn 60). Through the voluntary retirement scheme, employees who are…


Bidding Adieu To 2019

A rather eventful year draws to a tiring close. Investors have mostly been wrong in their market predictions of 2019. Their return expectations have been rooted in belief in most asset classes. 2019 was one of those years where the equity and debt markets seem to have optically done great,…

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