Saturday, 31 January 2026

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.

Saturday, 24 January 2026

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":

Thursday, 18 December 2025

Can You Afford to Retire? Use This Calculator

I have always wonder if I am ready to retire or force to retire (due to layoffs) base on my assets. However, I was not able to find one that is able to do projections that includes SRS and CPF Life payout. Thus I started out this mini-project to come out with one that is able to show how long my retirement funds can last and till at what age. I have also included the Monte Carlo simulation to stress test this portfolio and tell you the percentage of success base on your input parameters.

Most of the input fields are self-explainatory. I will explain these for clarity.