Why I Am Not Buying Gold or Silver Now

Gold and silver are having a moment. Prices have pulled back from recent highs, and volatility remains elevated.

This is not a statement about where gold or silver will go next. It is simply a description of how I make decisions—and why, based on that process, I am not adding gold or silver at current levels.

I Buy Based on Deviation, Not Narratives

Gold and silver are often framed around the same set of arguments: inflation, government debt, currency debasement, and geopolitical risk. These narratives are not new. They have existed for decades and resurface whenever prices rise.

What changes is not the story, but the distance between price and its long-term trend. When I look at gold and silver today, I do not see assets trading below their historical mean. I see prices that remain above it.

Market Sentiment Engine: Mr. Market's "Mood" for 31 Jan 2026

Most people trade based on "gut feel." When I first started looking for a data driven method, I only found Trends and Standard Deviations (the "average" movement of a stock). It is a good guiding method, but it has flaws: in a bad market, "low" can always go lower. To fix that, I built a custom engine that doesn't just look at price—it looks at Market Sentiment holistically. Think of it like having a weather satellite for the stock market. It doesn't predict the future, but it tells you exactly what the current "climate" is so you don’t get caught in a storm without an umbrella.

The Engine Behind

To keep us from making emotional mistakes, the engine uses three smart guardrails:

1. Automated Regime Detection The market has two modes: Bull and Bear. The engine automatically detects which "Regime" we are in. In a Bear regime, the engine gets "pickier," stopping us from "catching a falling knife" just because a price looks cheap.

STI at All-Time High: My Simple Game Plan In Today's Market

Happy 2026, everyone! If you’ve been watching the news and charts lately, you’ll notice that global equities are hitting All-Time Highs (ATH). Even our local Straits Times Index (STI) has been on a record-breaking run, recently breaching the 4,800 mark.

When markets are this "hot," it’s natural to feel a mix of excitement and "FOMO" (Fear Of Missing Out). But for someone who have been through times like this before (E.g 1997/98, dot com, GFC, etc), I like to look at the numbers before jumping in.

The Reality Check: PE Ratio & Standard Deviation

To understand if we are overpaying, I look at two "health markers":