What can other countries do with the tariff wars?

The U.S. has long been seen as the engine of the global economy, a leader in innovation, productivity, and wealth. However, in recent years, its aggressive use of tariffs — particularly under the guise of protecting domestic industries — has sparked growing concern about whether these strategies could actually backfire. With the 2025 global economic environment teetering between inflation pressures and fragile geopolitical alliances, many are asking a difficult question:

Understanding Tariffs and the Modern Economy

A tariff is a tax imposed on imported goods. The idea is simple — make foreign goods more expensive so that domestic alternatives become more attractive. While this might sound like a win for local producers, it's a double-edged sword. Tariffs can lead to:

Higher prices for consumers
Retaliatory tariffs from trading partners
Supply chain disruptions
Global uncertainty

Historically, tariff wars (like the Smoot-Hawley Tariff Act of 1930) have had devastating impacts. That act, for example, helped plunge the U.S. deeper into the Great Depression.

Fast-forward to the Trump-era tariffs (2018–2020) and their extensions, the U.S. began imposing heavy duties on Chinese steel, aluminum, electronics, and other goods, citing unfair practices and trade imbalances. China, of course, responded with its own tariffs on U.S. goods — from soybeans to cars.

President Biden maintained many of those tariffs, and in 2024, the administration even expanded duties on green technologies like EV batteries and solar panels, citing national security.

So, when will this strategy begin to unravel?

Early Signs of Strain in the U.S. Economy

The U.S. economy is incredibly resilient. However, even the strongest economies feel pressure when the global trade environment becomes weaponized. Here are some early warning signs that point to potential decline:

1. Consumer Prices Are Rising

Tariffs raise the cost of imported goods. In industries like electronics, vehicles, and construction, this has been passed down to consumers. While inflation cooled in 2024 after the pandemic spike, trade-related price hikes persist. Middle- and low-income households bear the brunt, creating a broader affordability crisis.

2. Manufacturing Weakness

Ironically, tariffs meant to protect U.S. manufacturing may be doing the opposite. American factories rely heavily on global supply chains, including parts from China, Taiwan, Mexico, and Europe. Tariffs on raw materials raise production costs, making U.S.-made goods less competitive globally.

3. Retaliation from Trade Partners

China, Europe, and even Canada have responded with their own tariffs or have begun shifting away from U.S. trade dependency. As a result, U.S. exporters, especially in agriculture and manufacturing, are losing access to vital foreign markets. Some farmers who voted for tariff-happy policies now find themselves stuck with unsellable harvests and higher input costs.

4. Dollar Diplomacy Is Weakening

Countries like China, India, and Russia have started de-dollarizing their trade, moving toward using local currencies and gold. U.S. sanctions and tariff policies have contributed to a growing desire among emerging economies to reduce dependence on U.S.-led financial systems.

When Might the Real Downhill Begin?

Economic "decline" is a loaded term. It doesn't mean collapse or chaos — it means relative weakening in terms of global influence, economic performance, and living standards. Based on current trends, here's a likely timeline:

2025–2026: More Protectionism, Slower Growth

With the election cycle in full swing, both U.S. parties may lean on populist economic rhetoric.
New tariffs or expanded duties could further strain trade with China and the EU.
GDP growth slows to around 1.5%–2%, as consumer spending and business investment weaken.

2027–2028: Supply Chain Bifurcation Deepens

Global firms increasingly avoid U.S. suppliers to sidestep tariffs or political risk.
Asian and European blocs develop deeper internal trade, bypassing American intermediaries.
U.S. tech firms lose ground in global markets due to retaliatory digital tariffs.

2029–2030: Global Shift in Trade Alliances

Emerging economies band together in new trade agreements (e.g., RCEP, BRICS+).
The U.S. sees reduced leverage in organizations like the WTO, APEC, and even NATO trade discussions.
The dollar begins to lose partial reserve currency status for trade settlements.

The Hidden Cost: Innovation and Soft Power

One of the less-discussed impacts of tariffs is the slow erosion of innovation ecosystems. Global collaboration fuels scientific research, tech development, and higher education. With more restrictive visa policies, trade barriers, and intellectual property disputes, the U.S. risks:

Losing top international students and talent
Reducing investment in R&D due to higher material costs
Falling behind in areas like quantum computing, semiconductors, and biotech

Furthermore, U.S. soft power — its ability to lead by example — suffers. Allies begin questioning the U.S.'s commitment to open markets and fair play. This reduces America's leadership credibility.

What Can Reverse the Decline?

The path forward isn’t set in stone. There are ways to reverse the potential slide:

Smart Tariff Strategy – Use tariffs selectively, with clear timelines and goals, not as permanent weapons.
Global Partnerships – Rebuild trust with traditional allies and join more trade agreements like CPTPP.
Invest in Domestic Resilience – Support manufacturing with automation, not just protectionism.
Green Collaboration – Work with, not against, other nations on climate technology trade.
Trade Equity Reforms – Push for fair trade via multilateral forums rather than bilateral battles.

Conclusion: Tariff Wars Are a Slippery Slope

The U.S. has weathered many storms, but economic hubris can be dangerous. If the U.S. continues down the path of unchecked tariff escalation, the signs of decline could become more pronounced within the next 5 to 10 years. It’s not just about GDP — it's about global standing, opportunity, and economic sustainability.

Tariffs may win short-term political points, but long-term prosperity requires global cooperation, innovation, and agility. If Washington fails to pivot, the U.S. might soon find itself not just in a trade war — but in a position of economic retreat.

Neuroscience and Vision Board

How Vision Boards and Neuroscience Work Together to Achieve Success

Have you ever wondered why vision boards are such a powerful tool for achieving success? While some may dismiss them as mere arts and crafts, neuroscience provides compelling evidence that visualization can significantly impact our brain’s ability to turn dreams into reality. Many highly successful people have attributed their achievements to the power of vision boards, and science backs up their effectiveness.

In this blog, we will explore the connection between vision boards and neuroscience, how they influence our thought patterns and behaviors, and examples of three famous people who have successfully used vision boards to achieve their goals.

The Neuroscience Behind Vision Boards

At first glance, a vision board may appear to be a simple collage of images, quotes, and aspirations. However, the process of creating and consistently engaging with a vision board can rewire our brains in profound ways. Here’s how:

Activation of the Reticular Activating System (RAS)
- The Reticular Activating System (RAS) is a network of neurons in the brainstem responsible for filtering information. It determines what we focus on and what gets ignored.
- When we create a vision board, we train our RAS to prioritize opportunities and information that align with our goals. This means we become more aware of opportunities we might have previously overlooked.
Neuroplasticity and Habit Formation
- Neuroplasticity refers to the brain’s ability to reorganize and form new neural connections. By repeatedly looking at our vision board, we reinforce neural pathways that associate our goals with positive emotions and actions.
- Over time, these reinforced neural pathways make it easier to adopt habits and behaviors that bring us closer to our desired outcomes.
The Power of Visualization
- Studies show that the brain doesn’t distinguish much between real experiences and vividly imagined ones. This is why athletes use visualization techniques to improve performance.
- When we visualize success, our brain simulates the experience, making it feel more achievable and reducing anxiety associated with big goals.
Dopamine and Motivation
- Looking at a vision board can trigger the release of dopamine, the “feel-good” neurotransmitter associated with motivation and reward.
- When we visualize success and feel the associated joy, our brain becomes more driven to take action and pursue our dreams.

How to Create a Science-Backed Vision Board

To make the most of your vision board using neuroscience principles, follow these steps:

Be Specific with Your Goals
- Instead of vague dreams, clearly define what success looks like for you. Instead of saying “be rich,” specify a financial goal such as “earn $1 million in five years.”
Engage Emotionally with Your Vision Board
- Choose images and quotes that evoke strong emotions. The stronger the emotional connection, the deeper the neural impact.
Use Affirmations and Positive Language
- Neuroscience shows that self-affirmations can rewire negative thought patterns. Use phrases like “I am capable of achieving financial independence.”
Visualize Daily and Take Action
- Spend at least five minutes a day looking at your board and imagining yourself achieving your goals.
- Pair visualization with tangible action steps to reinforce the brain’s association between thought and action.

Three Famous People Who Used Vision Boards to Achieve Success

1. Oprah Winfrey

Oprah Winfrey is one of the most vocal advocates of vision boards. She attributes much of her success to the power of visualization. She famously shared how she created a vision board with an image of Barack Obama when he was a senator. She visualized herself interviewing him—and, years later, she not only interviewed him but also became a key supporter of his presidential campaign.

Oprah believes that putting images of goals in front of her daily helped reinforce her focus and motivation. She has encouraged millions to use vision boards as a tool for achieving their dreams.

2. Jim Carrey

Before Jim Carrey became a Hollywood superstar, he used visualization techniques and vision boards to shape his future. In the early 1990s, when he was struggling as an actor, he wrote himself a check for $10 million for “acting services rendered” and dated it for Thanksgiving 1995.

Carrey carried the check in his wallet and looked at it frequently. He visualized himself becoming a successful actor, and by 1994, he landed a role in Dumb and Dumber that paid him exactly $10 million. His story is a powerful example of how belief, visualization, and action can lead to extraordinary success.

3. Sarah Blakely

The founder of Spanx, Sarah Blakely, also used vision boards as a tool for success. She started her journey with just $5,000 and a dream of creating a successful business. She often credits visualization techniques and positive thinking as key elements in her rise to becoming one of the youngest female billionaires.

Blakely placed images of her ideal lifestyle, the impact she wanted to create, and business milestones on her vision board. She believes that having a clear visual representation of her goals kept her motivated and helped her navigate challenges along the way.

Final Thoughts

Vision boards are not just wishful thinking—they are backed by neuroscience and have been used by some of the most successful people in the world. By understanding how our brain processes visualization and motivation, we can harness this powerful tool to shape our future.

If you haven’t created a vision board yet, now is the perfect time to start. Whether you’re aiming for career success, financial freedom, or personal growth, a vision board can help you stay focused, inspired, and driven. Pair it with consistent action, and you’ll be on the path to turning your dreams into reality.

Creating a Vision Board

Creating a Vision Board: Visualizing a Better Life in 5 Years

Have you ever felt like you were drifting through life without a clear direction? Or perhaps you have big dreams but struggle to stay motivated? A vision board is a powerful tool that can help you clarify your goals, stay focused, and manifest the life you desire. By creating a vision board, you can visually map out your aspirations, making them feel more real and achievable. In this blog, we will explore the importance of vision boards, how to create one, and three examples to inspire you.

Why Create a Vision Board?

A vision board is more than just a collage of images; it is a tangible representation of your future aspirations. The power of visualization has been widely studied, showing that seeing your goals daily reinforces motivation and commitment. Here are some key benefits of creating a vision board:

Clarity: Helps you define your short-term and long-term goals.
Focus: Keeps your dreams at the forefront of your mind.
Motivation: Provides daily inspiration to take action.
Manifestation: Encourages a positive mindset and attracts opportunities.

Step-by-Step Guide to Creating a Vision Board

Creating a vision board is a fun and inspiring process. Follow these steps to bring your future dreams to life:

Reflect on Your Goals
- Where do you see yourself in five years?
- What areas of your life do you want to improve? (Career, health, relationships, finances, travel, personal growth)
- What values and emotions do you want to cultivate?
Gather Materials
- A large board (corkboard, foam board, or poster board)
- Magazines, newspapers, or printouts from the internet
- Scissors, glue, tape, and push pins
- Markers and stickers for decoration
Find Inspiring Images and Quotes
- Look for pictures that resonate with your goals.
- Choose affirmations or motivational quotes that uplift you.
- Ensure the board is visually appealing and emotionally engaging.
Arrange and Assemble Your Vision Board
- Place your most important goals in the center.
- Group similar themes together (e.g., career on one side, health on another).
- Make it neat but also creative and personal.
Place It Where You Can See It Daily
- Keep your vision board in a visible location, such as your bedroom, workspace, or digital wallpaper.
- Spend a few minutes each day visualizing your success.
Take Action and Update as Needed
- Break your vision into actionable steps.
- Adjust your board as your goals evolve.

Three Examples of Vision Boards

Example 1: Career and Financial Growth

Visual Elements: A photo of a dream office, a paycheck with your ideal salary, a business you aspire to start, an investment portfolio, or financial freedom quotes.

Description: This vision board focuses on professional success and financial stability. If you aspire to climb the corporate ladder, start a business, or achieve financial freedom, include images that symbolize these goals. For instance, if you want to work in a data center, you could add pictures of high-tech infrastructure, cloud computing visuals, or an inspiring industry leader.

Example 2: Health and Wellness

Visual Elements: Pictures of healthy meals, workout routines, yoga poses, mental health quotes, and a fit and happy person.

Description: This board centers on a healthier lifestyle—both physically and mentally. Whether you aim to lose weight, build strength, or develop a mindfulness practice, your vision board should include inspiring images and quotes that remind you to prioritize your well-being.

Example 3: Travel and Adventure

Visual Elements: Pictures of dream destinations, a passport, travel quotes, adventure activities like hiking or scuba diving.

Description: If traveling the world is part of your five-year vision, this board will keep your wanderlust alive. Place images of places you dream of visiting, experiences you want to have, and affirmations that encourage you to step out of your comfort zone.

Final Thoughts

A vision board is a powerful tool that aligns your thoughts, emotions, and actions toward your desired future. By creating a vision board and engaging with it daily, you can transform abstract dreams into achievable realities. Remember, visualization alone isn’t enough—you must also take consistent action toward your goals.

Start your vision board today and take the first step towards designing the life you want in five years!

3rd May Election (Top 10 concerns)

Based on recent surveys and reports, Singaporeans across different age groups share common concerns such as the cost of living, housing affordability, and job security. However, the emphasis on specific issues varies with age. The table below outlines the top 10 concerns for each age group as the nation approaches the General Election on May 3, 2025.

Age Group	Top 10 Concerns
21–30	Cost of living Housing affordability Job security and career progression Mental health and work-life balance Political diversity and representation Climate change and sustainability Education and student debt Digital economy and AI impact Civil liberties and freedom of expression Social mobility and inequality
31–40	Cost of living Housing affordability Childcare and family support Job security and career advancement Retirement planning Work-life balance Education system quality Healthcare accessibility Environmental concerns Political stability
41–50	Cost of living Retirement savings Healthcare costs Children's education Job security Housing market stability Support for aging parents Taxation policies Political transparency National security
51–60	Retirement adequacy Healthcare affordability Cost of living Support for elderly care Employment opportunities Housing lease concerns Inflation control Access to social services Political accountability Community safety
61–70	Healthcare services Retirement income Cost of living Elderly-friendly infrastructure Social support networks Housing lease renewals Public transportation accessibility Safety and security Political representation Intergenerational support
71+	Healthcare accessibility Retirement security Cost of living Social isolation Elderly care services Housing stability Accessibility to public amenities Community engagement Safety and crime prevention Legacy and national heritage

These insights are derived from various sources, including surveys conducted by Blackbox Research and reports from Channel News Asia and The Straits Times. They reflect the diverse priorities of Singaporeans as they consider their choices in the upcoming election.

Finally my high blood medication is off

From Pills to Power: How Intermittent Fasting Set Me Free from High Blood Pressure

It’s hard to put into words how it feels to walk out of the doctor’s office and hear the words: “You no longer need medication for your blood pressure.” It felt surreal. Like I had won a long, personal battle that no one else truly understood. But here I am—48 years old, living in bustling, food-loving Singapore—and officially medication-free. All thanks to one unexpected change: intermittent fasting.

The Start of the Journey

Like many Singaporean men, I’ve spent most of my adult life juggling work stress, family responsibilities, and the pressure to always be “on.” The usual suspects—long hours at the office, late-night suppers, and sedentary routines—slowly crept up on me. By the time I hit my early 40s, my blood pressure was consistently high. My doctor called it “Stage 2 hypertension.” Not ideal, but not surprising either.

I was put on medication. First one pill, then two. I hated it. Not just the side effects like fatigue and cold hands, but also the idea of being dependent on pills. It felt like I had lost control over my body, and that scared me more than the numbers on the machine.

Discovering Intermittent Fasting

I stumbled upon intermittent fasting almost by accident. A colleague casually mentioned he had lost weight and felt more energetic just by skipping breakfast. I was skeptical. I mean, we’re in Singapore—the land of kaya toast, kopi, and hawker center breakfasts! But I was intrigued.

I started reading up, watching videos, and slowly eased into a 16:8 fasting schedule. That means fasting for 16 hours and eating only during an 8-hour window—usually between 12 pm and 8 pm. At first, it felt odd. I was so used to starting my day with food. But after a week or so, I noticed something interesting: I felt lighter. Not just physically, but mentally too.

The Changes That Followed

The first thing that happened was weight loss. I dropped around 5kg in the first two months without changing what I ate—just when I ate. My blood pressure readings started trending down. I felt more alert during the day and slept better at night. I had fewer sugar cravings, and surprisingly, fewer mood swings. My energy levels evened out.

Encouraged, I became more mindful about food. Not obsessed—just aware. I still had my occasional laksa or chicken rice, but I cut down on processed snacks and sugary drinks. Water became my go-to. I also started walking more, especially after dinner. Just slow, meditative walks around the park or my HDB block. Nothing intense, but consistent.

The Doctor’s Surprise

After four months, I went for my regular check-up. My doctor raised his eyebrows when he saw my blood pressure numbers. “This is much better than before,” he said. “What have you been doing differently?”

I told him about the fasting. He nodded thoughtfully but didn’t seem convinced. Still, he reduced my medication. That was the first small victory.

Then came the moment. After reviewing a full year of normal blood pressure readings, my doctor looked at me and said, “Let’s try taking you off the medication.”

It was like hearing I had passed an impossible exam.

How I Really Feel

Relieved. Empowered. Free.

I no longer feel like a prisoner to my condition. Intermittent fasting gave me a sense of control I hadn’t felt in years. It’s not just about skipping meals—it’s about breaking cycles. The cycle of constant snacking. The cycle of stress eating. The cycle of feeling tired, bloated, and helpless.

I feel younger. Sharper. My clothes fit better. I have more energy to spend with my kids and less irritability after long days. My relationship with food is healthier. I’ve learned to appreciate real hunger, and to savor meals when I do eat. Food tastes better now, honestly.

But most of all, I feel proud. Proud that I took responsibility for my health. Proud that I didn’t settle for lifelong medication. Proud that I showed my family what’s possible with discipline and consistency.

Intermittent Fasting in a Singaporean Context

Let’s be real—fasting in Singapore is not easy. Our culture revolves around food. From morning kopi to midnight prata, temptations are everywhere. But I learned to adapt.

Instead of breakfast meetings, I suggested lunch catchups. I learned to say no to office snacks politely. I packed fruits and nuts for my eating window. I even started bringing homemade food to work sometimes. On weekends, I shifted my eating window slightly so I could enjoy brunch with the family.

The beauty of intermittent fasting is that it’s flexible. It’s not about punishment—it’s about timing. And once your body adjusts, it becomes second nature.

Final Thoughts: A Word to Fellow Men

If you're in your 40s, struggling with blood pressure or weight, I want to say this: don’t wait. Start with something simple. You don’t need a fancy gym membership or a strict keto plan. You just need a commitment to give your body a break from constant eating.

Intermittent fasting might not be a miracle cure, but for me, it was a catalyst for change. It gave me my life back. And the best part? It’s free. No subscriptions. No supplements. Just time, discipline, and patience.

Today, I feel more in tune with my body than ever. I’m not perfect—I still enjoy my char kway teow now and then—but I do it with intention. And that has made all the difference.

If you’re reading this and wondering if it’s possible—yes, it is. If I can do it, so can you.

Trade war with US, Europe, China, India, Russia and predicting how these major economy benefit or lose

Trade War: How the US, Europe, China, India, and Russia Gain or Lose

Trade wars have become a defining feature of modern geopolitics, shaping economies and influencing global power dynamics. The ongoing tensions between major economies like the United States, Europe, China, India, and Russia have far-reaching consequences. In this article, we will analyze how these nations are involved in trade disputes, what advantages or disadvantages they face, and predict how they may benefit or lose in the long run.

Understanding the Trade War Landscape

A trade war occurs when countries impose tariffs, sanctions, and other restrictions on each other’s imports and exports. These measures are usually intended to protect domestic industries but often lead to retaliation, creating a cycle of escalating tensions. The key drivers behind global trade conflicts include:

Protectionism and safeguarding domestic industries
Political and strategic rivalries
National security concerns
Technological competition
Market dominance and economic leverage

The trade war landscape has evolved significantly, with the US leading disputes against China, Europe, and Russia, while China and India are also engaged in their own economic battles.

United States: Leading the Trade War Charge

The US has been at the center of global trade conflicts, particularly with China, Europe, and Russia. Since the Trump administration, the US has pursued aggressive trade policies, imposing tariffs and restricting access to critical technologies.

Potential Gains for the US:

Revival of Domestic Manufacturing: Higher tariffs on imports encourage local production, boosting domestic jobs in certain industries.
Tech Supremacy: By restricting China's access to advanced technologies, the US ensures its leadership in AI, semiconductors, and other key sectors.
Reduced Trade Deficit: By imposing tariffs and renegotiating trade deals, the US aims to narrow its massive trade deficit with China and other nations.

Potential Losses for the US:

Higher Consumer Prices: Tariffs on imports increase costs for American consumers and businesses.
Retaliatory Measures: Countries like China and the EU impose counter-tariffs, affecting US exports such as agricultural goods and automobiles.
Supply Chain Disruptions: Many US businesses rely on global supply chains, and trade restrictions increase costs and production challenges.

China: The World’s Factory Under Pressure

China has been the primary target of US trade restrictions, facing tariffs, tech bans, and political pressure. However, it has responded by diversifying trade relationships and boosting self-sufficiency in critical industries.

Potential Gains for China:

Strengthening Domestic Industry: The trade war has forced China to invest in domestic semiconductor production and high-tech industries.
Diversifying Trade Partners: China has increased trade with Russia, India, and Southeast Asian nations to offset losses from US sanctions.
Belt and Road Initiative (BRI): China's global infrastructure projects provide new economic and trade opportunities beyond the US market.

Potential Losses for China:

Loss of US Market Access: Many Chinese companies, including Huawei, have been banned or restricted from operating in the US.
Capital Flight and Economic Slowdown: Trade war uncertainties have led to declining foreign investment and economic instability.
Supply Chain Vulnerabilities: China's reliance on Western technology makes it susceptible to sanctions and restrictions.

Europe: Caught Between the Giants

Europe has faced trade tensions with both the US and China. The EU is striving to balance economic ties while asserting its own trade policies.

Potential Gains for Europe:

Stronger Trade Relations with Asia: The EU has strengthened economic ties with China, India, and other Asian economies.
Increased Export Opportunities: With the US restricting trade with China, European companies may fill the gap in certain sectors.
Technological Leadership: The EU is investing heavily in green energy, digital technologies, and regulations that could give it a competitive edge.

Potential Losses for Europe:

US Tariffs on European Goods: The US has imposed tariffs on European steel, automobiles, and other goods, harming industries.
Dependence on Russian Energy: Sanctions on Russia have created an energy crisis for Europe, driving up costs for businesses and consumers.
Economic Uncertainty: Brexit and internal political tensions further complicate Europe's economic resilience.

India: Balancing Economic and Strategic Interests

India is both a participant and an observer in the global trade war, managing its relationships with China, the US, and Russia.

Potential Gains for India:

Manufacturing Boom: As companies look for alternatives to China, India has positioned itself as a key manufacturing hub.
Tech and Defense Deals: Strengthened trade ties with the US have led to increased investments in defense and technology sectors.
Export Growth: India's pharmaceutical and IT sectors benefit from trade diversions caused by US-China tensions.

Potential Losses for India:

Dependence on Chinese Imports: Despite tensions, India relies on Chinese goods, and trade restrictions can hurt domestic industries.
Rising Energy Costs: The Russia-Ukraine conflict and Western sanctions on Russian oil have increased India's energy import costs.
Trade Deficit Concerns: India’s trade deficit with China remains high despite efforts to boost local manufacturing.

Russia: Sanctions and Strategic Realignments

Russia has faced severe economic sanctions from the US and Europe, especially after its invasion of Ukraine. However, it has found alternative markets and strategic allies.

Potential Gains for Russia:

Increased Trade with China and India: Russia has redirected its energy exports to China and India, securing alternative revenue streams.
Energy Leverage: Europe’s dependence on Russian gas has given Moscow significant geopolitical bargaining power.
Self-Sufficiency: Sanctions have pushed Russia to develop domestic industries and reduce reliance on Western technology.

Potential Losses for Russia:

Sanction-Driven Economic Decline: Western sanctions have cut off Russia from critical financial systems and reduced foreign investments.
Loss of European Market: The EU has actively sought alternatives to Russian energy, reducing Moscow’s economic influence.
Technological Backwardness: Restricted access to Western tech could slow down Russia’s industrial and military advancements.

Predictions: Who Wins and Who Loses?

Winners:
- India: Poised to benefit from global trade shifts, gaining investments and manufacturing growth.
- China: Despite US pressure, China is diversifying its economy and strengthening global trade ties.
- US: While facing higher domestic costs, the US retains technological and economic dominance.
Losers:
- Russia: Sanctions and economic isolation pose long-term challenges despite short-term energy gains.
- Europe: Rising energy costs and trade uncertainties could slow economic growth.

Conclusion

Trade wars are reshaping global economies, creating both risks and opportunities. While the US, China, India, and Russia pursue their economic and strategic interests, Europe finds itself navigating uncertain waters. As the world moves towards a more multipolar economic landscape, businesses and investors must adapt to these shifts. In the long run, nations that embrace innovation, diversify their economies, and build strong trade relationships will emerge as winners in this new global order.

Crash Buying S&P 500 strategy to consider

Crash Buying the S&P 500: How to Capitalize on Market Downturns with a $150K Fund

Market crashes are often viewed with fear and uncertainty, but for smart investors, they present golden opportunities to accumulate high-quality assets at discounted prices. The S&P 500, a benchmark index for the U.S. stock market, has historically rebounded from every downturn, making it an attractive buy during crashes. This strategy, known as "crash buying," involves systematically investing in the index when markets decline.

If you have $150,000 to deploy during a market crash, how can you do it wisely to maximize long-term gains while managing risk? In this article, we will explore three strategies for crash buying the S&P 500 effectively.

Why Crash Buying Works

Before diving into the strategies, it's essential to understand why crash buying is a powerful approach:

Mean Reversion: Historically, the S&P 500 has always recovered from crashes, often reaching new highs within a few years.
Valuation Advantage: Market downturns lead to lower price-to-earnings (P/E) ratios, making stocks more attractive from a valuation standpoint.
Long-Term Compounding: Investing during market lows increases the potential for higher long-term returns.

With these benefits in mind, let’s explore three different ways to execute crash buying with a $150,000 fund.

Strategy 1: Lump-Sum Buying at Target Valuation Levels

How It Works:

This strategy involves deploying large portions of your capital when the market reaches specific valuation levels. Instead of waiting indefinitely for the "perfect bottom," you set predefined levels based on historical valuations, such as:

When the S&P 500 drops 20% from its all-time high → Invest 50% ($75,000)
When the S&P 500 drops 30% → Invest 30% ($45,000)
When the S&P 500 drops 40% or more → Invest the remaining 20% ($30,000)

Why It Works:

This approach ensures you deploy capital during significant declines while avoiding the paralysis of waiting for the absolute bottom.
It leverages historical downturns, which have shown that 20-40% declines in the S&P 500 offer high-reward entry points.

Risks:

If the market does not fall beyond 20%, you might deploy most of your capital too early.
The market could fall further after your full investment, requiring patience for recovery.

Who Should Use This?

This is ideal for investors who want a structured approach and are comfortable making large investments during market downturns.

Strategy 2: Dollar-Cost Averaging (DCA) During the Crash

How It Works:

Instead of making large lump-sum investments, this strategy involves systematically investing over a period of time as the market declines. A structured plan could look like this:

If the S&P 500 declines 20% from its peak, begin investing $15,000 per month
Continue monthly investments for 10 months, adjusting slightly based on further declines
If the market drops 35-40%, increase allocation to $25,000 per month

Why It Works:

Spreads out your purchases, reducing the risk of buying too early.
Takes advantage of market volatility by accumulating shares at different price points.
Removes emotional decision-making by following a fixed schedule.

Risks:

If the market recovers quickly, you might miss the lowest prices.
Requires discipline to continue investing even if the market continues falling.

Who Should Use This?

Investors who prefer a systematic, low-stress approach and want to avoid the risk of mistiming the market.

Strategy 3: Leveraged Tactical Buying with Hedging

How It Works:

This strategy involves using a mix of S&P 500 ETFs, options, and bonds to enhance returns while managing risk. Here’s an example allocation plan:

70% ($105,000) into S&P 500 ETFs (SPY, VOO, or IVV) during major declines
20% ($30,000) into long-dated call options (LEAPS) to gain leveraged upside with limited downside risk
10% ($15,000) into U.S. Treasuries or inverse ETFs to hedge against further drops

Why It Works:

The ETF allocation ensures you have broad market exposure for the recovery.
LEAPS options provide leveraged upside without full downside exposure.
Treasuries or inverse ETFs act as a cushion if the market continues falling.

Risks:

Options can expire worthless if the market takes too long to recover.
Hedging instruments may underperform if the recovery is swift.
More complex strategy requiring knowledge of options and risk management.

Who Should Use This?

Investors who are comfortable with risk and have experience with options, looking for enhanced upside potential.

Which Strategy is Best for You?

Factor	Lump-Sum Buying	Dollar-Cost Averaging (DCA)	Leveraged Tactical Buying
Best For	Investors who want to deploy capital quickly at target levels	Those who prefer a slow and steady approach	Experienced investors looking for high-risk, high-reward opportunities
Risk Level	Moderate	Low	High
Market Timing Required?	Yes	No	Yes
Potential Returns	High if timed well	Consistent gains over time	Very high if leveraged correctly

If you are unsure about market timing, DCA is the safest approach as it reduces emotional investing. If you believe the market will recover strongly and can handle volatility, Leveraged Tactical Buying offers high return potential. For those confident in historical market cycles, Lump-Sum Buying can be highly effective.

Final Thoughts

Market crashes are stressful, but they offer some of the best opportunities to build wealth. By having a structured approach to crash buying, you can turn market downturns into profitable moments. With a $150,000 fund, choosing between lump-sum investing, dollar-cost averaging, or a tactical leveraged approach depends on your risk tolerance and investment knowledge.

No matter which strategy you choose, remember the key principle: stay invested, stay disciplined, and think long term. Over decades, the S&P 500 has always rewarded patient investors who take advantage of downturns. Will you be one of them?

Investing during the tariff war

Investing During a Tariff War: 3 Investment Fund Options for Singapore Investors

Geopolitical tensions have been rising once again, and tariff wars—especially between economic giants like the US and China—are making headlines. For investors, this can feel like a storm cloud over their portfolios. Will markets crash? Should you pull out? Or is this actually an opportunity in disguise?

If you're investing from Singapore, you’re in a relatively advantageous position. As a stable, neutral financial hub in Asia, Singapore gives you access to a wide range of globally diversified funds that can weather such storms. In this post, we’ll explore:

What a tariff war means for your investments
How to navigate these turbulent times
Three types of investment funds worth considering
A comparison of their pros and cons

🌏 What is a Tariff War and Why Does it Matter?

A tariff war occurs when countries impose taxes on each other's imports, usually to protect domestic industries or retaliate against foreign policy decisions. The most notable example in recent years has been the US-China trade war, which saw hundreds of billions in tariffs applied between the two largest economies in the world.

For investors, tariff wars can:

Increase market volatility
Hurt export-driven companies
Disrupt global supply chains
Create inflationary pressure in some sectors

But it’s not all doom and gloom. Tariff wars also shift economic power, create new winners, and open up investment opportunities—especially in emerging markets, local manufacturing, and technology sectors.

🎯 Investment Strategy During a Tariff War

The best approach is not to panic but to diversify and focus on long-term themes that remain resilient:

Technological innovation (AI, semiconductors, digital infrastructure)
Emerging markets outside the conflict zones
Dividend-paying companies that generate stable cash flow
Thematic funds that benefit from decoupling trends (e.g., "China+1" manufacturing strategy)

With that in mind, here are three fund options for Singapore-based investors:

🥇 Option 1: Endowus Global Core Portfolio (50/50 Equity/Bond)

Overview

This is a diversified global portfolio constructed by Endowus using institutional-grade mutual funds. The 50/50 version balances equity exposure with fixed income, ideal during turbulent periods like a tariff war.

Key Features:

Globally diversified
Exposure to developed markets and some emerging markets
Built-in risk management through bonds
Available for Cash, CPF, and SRS investment

Pros:

✅ Diversification cushions volatility from trade wars
✅ Automatically rebalanced and optimized
✅ Managed by professionals
✅ Accessible even to passive investors

Cons:

❌ Returns may be lower than pure equity funds
❌ Limited ability to capitalize on specific themes (e.g., tech, Asia ex-China)

Best for: Risk-conscious investors who want peace of mind and moderate returns during uncertainty.

🥈 Option 2: LionGlobal Disruptive Innovation Fund

Overview

This fund focuses on high-growth tech and innovation companies—the kind that are transforming industries and often benefit from reshoring and automation trends accelerated by tariff wars.

Key Features:

Invests in global innovators (think AI, robotics, biotech)
Available through platforms like Endowus and FSMOne
Pure equity fund with high return potential

Pros:

✅ Potentially high returns during economic realignment
✅ Benefits from decoupling and reshoring themes
✅ Thematic exposure to long-term growth sectors

Cons:

❌ Higher volatility, especially during short-term trade shocks
❌ Concentrated portfolio with sector risk
❌ Not suitable for conservative investors

Best for: Growth-oriented investors who can handle volatility and want to ride tech megatrends.

🥉 Option 3: Nikko AM ARK Disruptive Innovation Fund

Overview

This is the Singapore-registered feeder fund for the popular ARK Innovation ETF, managed by Cathie Wood. It focuses on companies in areas like fintech, DNA sequencing, and autonomous vehicles.

Key Features:

High conviction, active management
Local SGD-class option available
Invests in disruptive innovation across sectors

Pros:

✅ Strong thematic focus on transformative change
✅ Access to companies with exponential growth potential
✅ Available to Singapore retail investors without US brokerage accounts

Cons:

❌ Very high volatility and drawdowns
❌ Performance has been inconsistent in recent years
❌ Heavy US tech exposure means sensitivity to US-China tensions

Best for: Investors with a high risk tolerance who believe in the long-term potential of innovation, even through short-term pain.

🔍 Quick Comparison Table

Fund Name	Risk Level	Thematic Focus	Pros	Cons
Endowus Global Core (50/50)	Moderate	Broad Global Diversification	Balanced, diversified, rebalanced	Lower upside in bull markets
LionGlobal Disruptive Innovation	High	Innovation/Tech	High growth, strong megatrend backing	Volatile, sector concentration
Nikko AM ARK Disruptive Innovation	Very High	Tech/Disruption	High conviction, high upside potential	High volatility, US-focused

🧠 Final Thoughts: Stay Calm, Stay Invested

Tariff wars are a test of nerves, but they also create a reshuffling of global opportunities. The key is to avoid emotional reactions, stay invested, and ensure your portfolio is positioned for both resilience and growth.

If you value stability, the Endowus Global Core portfolio is a solid anchor.
If you want to tap into growth trends, the LionGlobal Disruptive Innovation Fund is a compelling option.
If you’re feeling bold and want to bet on the next Tesla or CRISPR breakthrough, the ARK fund via Nikko AM might be your pick.

No one can predict how a tariff war will unfold, but with smart diversification, a focus on megatrends, and platforms like Endowus, FSMOne, or POEMS at your disposal in Singapore, you're well-positioned to invest wisely through the chaos.

What to invest in Singapore since stocks are going up and down in Trump's Tarrif

Here’s a solid list for Singapore-based investors:

🇸🇬 1. Lion-OCBC Securities Hang Seng TECH ETF (SGX: HST or HSS)

Focus: 30 largest tech-themed Chinese companies listed in HK (like Tencent, Alibaba, JD.com, Meituan, etc.)
Why it's good now: Tech in China is cheap after regulatory pressure — long-term upside if you're patient.
Volatility: High
Expense Ratio: ~0.68%
Currency: SGD (HSS) or USD (HST)

🌐 2. Nikko AM ARK Disruptive Innovation Fund (Available via FSMOne, Endowus, etc.)

Fund Manager: Cathie Wood’s ARK Invest
Focus: Genomics, AI, robotics, energy storage, fintech
Why now: High risk, high potential — invest gradually via DCA if you're bullish long-term.
Currency: SGD hedged and unhedged classes available

🌏 3. iShares Asia 100 ETF (SGX: O9P)

Not pure tech, but includes top companies in Asia with tech exposure (like TSMC, Samsung, Tencent)
Why now: Diversified, more stable than pure tech — good for balance in volatility.
Expense Ratio: ~0.50%
Currency: USD

🧠 4. Access US Tech via SGD through Robo or Brokers:

You can get exposure to US tech giants even from Singapore. Options include:

FSMOne ETFs: QQQ, VGT, ARKK — available via FSMOne with low minimums.
Endowus: Offers access to tech-weighted global equity funds (e.g., Dimensional, PIMCO, etc.)
Syfe REIT+ with Tech Tilt: Hybrid REIT and global tech allocation

🛡️ Bonus: Stable Global Tech-Heavy Funds (SGD Classes)

If you prefer actively managed global funds with tech bias:

Fidelity Global Technology Fund
BlackRock World Technology Fund
Franklin Technology Fund

These are available via fund platforms (e.g., Endowus, Dollardex, POEMS) and are denominated in SGD or hedged classes.

🧩 Want a Simple, Defensive Setup in Singapore?

If you're worried about volatility but still want tech growth:

🟢 50% in Lion-OCBC HST/HSS (China Tech)
🟢 30% in Global Tech Fund (Fidelity or BlackRock)
🟢 20% in Singapore or REIT-focused fund (for stability/dividends)

100 habits to follow to leave a fulfilling life before turning 50

100 Habits to Follow for a Fulfilling Life Before Turning 50

Life is a beautiful, unpredictable journey, and the best way to truly make the most of it is by developing habits that nurture your mind, body, and soul. Whether you're looking to experience more joy, achieve your dreams, or simply live a life full of purpose, adopting certain habits can significantly enhance your overall well-being. Here's a list of 100 habits you can start cultivating today to leave a fulfilling life before turning 50.

1. Prioritize Self-Care

Establish a daily skincare routine to maintain healthy skin.
Get enough sleep — aim for 7-9 hours a night to rejuvenate your body and mind.
Drink plenty of water to stay hydrated and energized throughout the day.
Practice mindfulness meditation daily to clear your mind and reduce stress.
Treat yourself to occasional massages or spa days for relaxation.
Take time for a hobby that brings you joy, whether it's painting, reading, or playing music.
Set boundaries to ensure you’re not overextending yourself emotionally or physically.
Embrace rest days without feeling guilty for taking a break.
Invest in your mental health — seek therapy or counseling when needed.
Celebrate small victories and acknowledge your accomplishments regularly.

2. Embrace Physical Fitness

Make regular exercise a part of your routine — aim for at least 30 minutes a day.
Try different forms of exercise — yoga, pilates, weight training, running, cycling, or swimming.
Stretch regularly to keep your body flexible and reduce stress.
Take daily walks to clear your mind and stay active.
Engage in outdoor activities like hiking or sports for a fun workout.
Prioritize a balanced diet with a variety of fruits, vegetables, and whole foods.
Incorporate strength training to improve bone health and muscle tone.
Find an accountability partner to make fitness more enjoyable.
Dance for fun — it's a great cardio workout!
Track your physical progress and set goals to keep improving.

3. Cultivate Healthy Relationships

Surround yourself with positive, supportive people who uplift you.
Learn to communicate effectively in relationships — practice active listening.
Express gratitude regularly to the people who matter to you.
Make time for family — even small moments of connection matter.
Forgive quickly and let go of grudges.
Show appreciation for your partner with simple gestures like writing notes or planning date nights.
Practice empathy by trying to understand the emotions of others.
Make time for friends and schedule regular catch-ups.
Create meaningful traditions with loved ones.
Let go of toxic relationships and set healthy boundaries.

4. Personal Growth and Learning

Read every day — aim for at least 30 minutes, and diversify your reading material.
Take up a new skill every year — whether it’s cooking, photography, or a musical instrument.
Set a yearly learning goal — attend workshops or enroll in online courses.
Practice gratitude by journaling every morning or night.
Challenge your comfort zone by trying new things outside of your routine.
Keep a personal journal to document your thoughts, dreams, and challenges.
Listen to podcasts or audiobooks to absorb new knowledge while commuting.
Seek mentors who can provide guidance in areas of your life.
Set long-term goals and break them down into achievable steps.
Reflect on your achievements at the end of each year.

5. Financial Habits for Success

Start saving early for retirement — the earlier, the better.
Track your spending to understand where your money is going.
Create a budget and stick to it to keep your finances in check.
Invest in your future through stocks, real estate, or a diversified portfolio.
Pay off debt as quickly as possible to reduce financial stress.
Live below your means and avoid unnecessary luxury purchases.
Build an emergency fund to cover at least 3-6 months of expenses.
Automate savings to make sure you’re consistently putting money away.
Negotiate bills and expenses to save money wherever possible.
Give back — set aside a portion of your income for charity or causes you care about.

6. Nurture Your Passion and Creativity

Make time for creative hobbies such as painting, writing, or crafting.
Pursue a passion project — something that excites and fulfills you outside of work.
Set creative goals — whether it’s writing a book or completing a photography portfolio.
Learn to let go of perfection and embrace creativity without self-criticism.
Participate in challenges like NaNoWriMo (National Novel Writing Month) or Inktober.
Surround yourself with inspiration by visiting art galleries or watching documentaries.
Experiment with different art forms to discover new interests.
Join a creative community or group to stay motivated and share ideas.
Create something every week — no matter how small.
Learn to appreciate the process of creation, not just the finished product.

7. Work and Career Fulfillment

Set clear professional goals and measure your progress regularly.
Embrace challenges and opportunities for growth in your career.
Network with people in your field to open up new career possibilities.
Seek feedback from peers and supervisors to improve your performance.
Work smarter, not harder — prioritize tasks that bring the most value.
Maintain a work-life balance by setting boundaries and taking breaks.
Find a mentor in your industry to provide career guidance.
Celebrate career milestones and acknowledge your professional achievements.
Stay curious and keep learning about your field, even after years in the industry.
Take regular breaks during work to avoid burnout and maintain productivity.

8. Travel and Adventure

Explore a new country every year to broaden your perspective.
Take short weekend trips to nearby cities or towns for a quick getaway.
Try a solo travel adventure to discover more about yourself.
Go on a digital detox trip, where you leave your devices behind and embrace nature.
Create a travel bucket list and work on crossing it off.
Make time for spontaneous adventures without a strict itinerary.
Visit historical sites to learn about different cultures and their legacies.
Travel with loved ones to create unforgettable memories together.
Embrace local food during your travels and try new dishes.
Take a scenic road trip — it’s a perfect way to explore and relax at your own pace.

9. Mindfulness and Spirituality

Practice daily gratitude by acknowledging things you’re thankful for.
Meditate every day — even for just 5 minutes to quiet your mind.
Engage in acts of kindness — whether it's helping someone or donating to charity.
Spend time in nature to reconnect with yourself and the environment.
Embrace silence by spending time alone without distractions or noise.
Practice positive affirmations to boost your self-confidence and mindset.
Do yoga to maintain mental clarity and physical flexibility.
Set intentions every morning for a focused, purposeful day.
Read spiritual texts or listen to teachings that resonate with you.
Engage in regular self-reflection to understand your deeper desires and purpose.

10. Lifelong Learning and Legacy

Create a personal library filled with books on topics you’re passionate about.
Take courses to keep your mind sharp and continue learning throughout life.
Write down your life lessons to share with others or future generations.
Document your life journey through journaling, blogging, or a video diary.
Teach someone a new skill or mentor them in an area of your expertise.
Pass down family traditions and memories to the younger generation.
Leave a legacy by contributing to causes or charities that reflect your values.
Cultivate a spirit of curiosity — always ask questions and explore new ideas.
Stay open to change and embrace opportunities to grow.
Reflect on your life regularly to ensure you’re living according to your values and passions.

Conclusion

Living a fulfilling life before turning 50 is all about creating a balanced routine, investing in your well-being, and continuously growing. By incorporating these habits into your daily life, you can embrace life’s challenges with resilience, stay mentally and physically healthy, nurture your relationships, and leave a positive mark on the world. Start with a few habits that resonate with you and slowly build upon them. The journey to fulfillment begins with a single step, and the best time to start is right now!

Which habits are you most excited to incorporate into your life?