🔥FIRE with Ivan🔥

🌅 MORNING COMPASS | Monday, 20 Jul 2026 1️⃣ The Gulf conflict crossed a line this weekend The US just wrapped its 8th straight night of strikes on Iran after an Iranian attack killed 2 American soldiers in Jordan — and ships in the Hormuz Strait are literally coming under fire. Oil is already above $80; expect a jumpy start to the week for energy, gold and everything in between. 2️⃣ AI stocks face their biggest exam yet Chip stocks are ~20% off their highs, and this week the market has all eyes on whether Google keeps mega-spending on AI — analysts float capex guidance of around $300 billion for next year. Their answers could decide whether the tech selloff stops here or spreads. 3️⃣ Family Fight at the Fed: the next move might be UP Markets are pricing a possible rate hike as soon as September as the new Fed chair navigates what he called a "family fight" over inflation. After years of waiting for cuts, that's a script flip worth watching — it moves bonds, mortgages and stock valuations all at once. 📌 Ivan's Takeaway: Weekends like this tempt you to sell first and think later. But remember: markets have outlived every war headline of the past century — panic sellers usually haven't.

6 MTHS SITB AUCTION TODAY Tenor: 6-month Issuer: Republic of Singapore ISIN: SGXZ82264284 Code: BS26114W Amount: S$8.8 billion Auction Date: July 16, 2026 Settlement: July 21, 2026 Maturity: January 19, 2027 Cut off yield: 1.55% Avg yield: 1.44% BTC: 1.82 Comp % allotted: Approx 44%

🇸🇬 Are you wealthier than other Singaporeans? According to the UBS Global Wealth Report 2026: 💰 Average wealth: S$681K per adult 💰 Median wealth: S$125K per adult Why is there such a huge difference? More importantly, even if your net worth is above S$1M, does that mean you are ready to retire? For many Singaporeans, much of our wealth is tied up in property, CPF and insurance. These assets are valuable, but they may not provide the flexible monthly income we need after our salary stops. In my latest article, I explain: ✅ Why average wealth can be misleading ✅ The difference between net worth and investable wealth ✅ The three wealth numbers every pre-retiree should know ✅ How to turn accumulated assets into a retirement income plan Wealth is a number. Retirement is an income plan. 👉 Read the full article here: https://www.sgmoneymatters.com/are-you-wealthier-than-other-singaporeans/

Oh I love this sign board 🤠

The sector rotation seems to have started in S&P 500

Heard this amazing wisdom today. 🌟 Rich is loud, 💰 Wealth is quiet. 🤫

👨 Happy Father's Day! As I get older, I've come to realise that the most important things in life are often the things that don't show up on a balance sheet. The conversations. The laughter. The family outings. The memories created along the way. Many of us spend years building wealth for our families. That's important. But let's not forget to spend time with the people we're building it for. Because one day, our children may not remember how much money we made. But they will remember whether we were there. Building wealth is important. Building memories is priceless. ❤️ Wishing all fathers a meaningful and joyful Father's Day.

Just posted something a little different today. 🏔️ Reached the peak of Bukit Timah Hill today — and it reminded me of something important we often overlook while building wealth. 👇 https://www.instagram.com/p/DZjzSK7GPfL/

This article says a lot. 🤪

Wise words.

I suggest this is textbook pump and dump

Interesting Development. https://www.straitstimes.com/business/companies-markets/spacex-other-mega-ipos-denied-fast-index-entry-by-sp

Many people know the basics to retire well: save early, don't spend more than you earn and invest consistently. But yet many are waiting for the perfect moment — when the market is just right, when they have "enough", or when life finally settles down. What separates those who retire well from those who don't isn't knowledge or willingness. It's getting started. Be Rare. ✅

A very insightful video about the impact of SpaceX IPO. Worth watching. https://vt.tiktok.com/ZSxohyyou/

A very insightful video. Worth watching. Check out this TikTok I found! https://vt.tiktok.com/ZSxohyyou/

🚀 SpaceX IPO: The Next Big Market Test SpaceX may become one of the biggest IPOs the market has ever seen. But the bigger story may not be the IPO itself. It is the index rule changes. Nasdaq has introduced a “fast entry” rule that may allow very large newly listed companies to enter the Nasdaq-100 after just 15 trading days. FTSE Russell has also updated its rules to allow large IPOs to enter major indexes faster. Why does this matter? Because once SpaceX enters major indexes, ETFs and index funds may need to buy it automatically. So this is not just about rockets, Starlink, or Elon Musk. It is about whether the market can absorb a mega IPO — and what happens when passive money, index rules, and big valuations come together. 📌 SpaceX could become the next big test of market liquidity and investor appetite.

📢 Big shift in Singapore's financial landscape. MAS is removing mandatory financial advice for complex products. Many in the financial adviser industry see this as a threat. I see it as a positive reset. 🔄 For too long, "advice" has sometimes meant: → A required meeting before a transaction → A box to tick → A step in a process That's not advice. That's administration. Real advice looks different: ✅ The conversation that stops you from panic-selling when markets drop 20% ✅ The plan reviewed before a major life event — not after ✅ The adviser who calls before you even know you need to be called None of that was ever created by a regulation. It's built through trust, consistency, and genuine care. When you choose advice — rather than being pushed into it — that's when it actually means something. That's when outcomes improve. As a fee-based adviser, I welcome this change. Because it means advice is no longer tied to a transaction. It's recognised for what it should always have been — the planning that keeps you on track, the handholding through market volatility, the clarity during life's biggest decisions, and the peace of mind that comes from knowing someone is genuinely looking out for your financial future. The financial advice was never about the paperwork, it is the value that I provided for my clients. 💪 https://www.businesstimes.com.sg/singapore/mas-remove-mandatory-financial-advice-complex-products-most-retail-investors

In a Straits Times article today, it described that both Trump and Xi see themselves as leaders "chosen by fate" to restore national greatness — Xi through the "Great Rejuvenation of the Chinese Nation", and Trump through "Make America Great Again." 🇺🇸🇨🇳 I totally agree with this and that is why I believe the US-China rivalry is much deeper than tariffs or trade anymore. It is now about: * national identity 🏳️, * historical destiny 🏛️, * and who gets to shape the next world order 🌍. And that is also why I think many investors still underestimate how structural and long-term this competition will be. 📊 Even if markets rally 📈 and leaders appear friendly publicly, the underlying competition in technology 💻, supply chains 🚢, military influence ⚔️, and global capital flows 💸 is unlikely to disappear anytime soon. In many ways, this may become one of the defining macro themes of our generation. 🌐

The government just killed the EC flip strategy. 10-year MOP. No more DPS. 90% first-timer quota. What does this mean for you? I just published a full breakdown — what changed, who really gets hurt, and what you should do depending on your situation. 👉 Check out my latest blog article: The Government Just Killed the EC "Flip" Strategy. Here Is What Every Singaporean Should Do Now.