Market Predictions: The Last 3 Months of 2026

I don't get the sense that the average Singaporean is taking this seriously. Singaporeans will lose their jobs very rapidly and what I see is a wave of retrenchments that is going to happen that many people are not prepared. >> What are the indicators you're referring to? >> I saw the indicators on the chart which clearly shows that this 6 month period is a very complex period. War is a highlight but I think this volatility is different in the sense that because it's changing era it will change the meaning of money. Hi everyone, welcome back to another episode of Aligapo Deep Dive. And you can see a very familiar face here, May. And the reason why we are recording this episode is because previously when we did the first round of like forecast going through about how astrology affects investing affects like career and all this, I was so surprised that it went so viral. I didn't expect you guys to enjoy this kind of content. think that this episode is going to be even more interesting because May actually she recently did a forecast into like next year >> like the next 6 months a small window. Yeah. >> Yeah. So, uh that's why I felt there's so many important insights that we need to discover together to see how we as a investor should be responding and most importantly like like taking some preemptive moves to see how we can navigate through all this uncertainty. Okay. So since we did our our episode like a few months ago, >> has anything changed? Because previously talked about the transition from earth era to right now is the air era and you also predicted certain things like volatility, uncertainty. Uh are there certain particular things that you want to highlight for the as the start of the this episode? What I shared with Chloe the last time when we spoke was because actually in the past few years I got a bit uh known for doing this kind of forecast because originally what happened was uh I told an audience that uh the world was going to shut down because of COVID right but at the time I didn't know it was COVID like I just know that a lot of my clients were doing nothing for a period of time which doesn't make sense because a lot of them are business owners as Chloe said what happened in early part of August was that I did a very special forecast that is focus on August of 2026 all the way till March of 2027. So that's half a year about half a year. As I was telling Chloe before we started recording is that the feeling when you're on the street right now is that nobody is really panicking. Y >> everyone knows AI is coming. Everyone knows that oh you know some companies are not doing so well. Uh FnB is closing down for example. But nobody is really panicking >> or feeling the pain yet. >> Feeling the pain yet. Right. So it's like everyone is in a waiting mode. >> True. And this is why uh I thought that since I saw the indicators on the chart which clearly shows that this 6 month period is a very complex period. But I also know that looking at the charts from um I would say from maybe beginning of the year until now. In fact when I first spoke with Chloe uh that was actually somewhere in about February March right and so uh so when Chloe asked me what has changed in fact a lot has changed. the the the biggest thing that changed is that the Middle East war started. For a lot of people, it's like, oh, but this is very far away. >> It's like I don't feel it when I'm on the MRT, when I'm like, you know, at the shopping mall, >> not experiencing the war. >> Yeah. Everything looks the same. Only Mama is not no longer in the but that one is not necessarily. So actually uh one of the reasons why I did that forecast is because I wanted to explain to the audience what exactly is the impact of um of the war and and why is it that no one is feeling the effect. >> Okay. >> But also more importantly is once we understand why no one feel the effect then we must ask when we will feel the effect. >> Yeah. >> Right. So for example uh some some very basic statistics is that actually almost 80% of the world's uh fuel actually goes through the street of hormus. Yes. >> So the thing is and logic will tell you that it shouldn't be that all the cars and the you know all the factories are still operating and uh some of so what I can reveal uh that I talk about in this forecast is that uh I actually show my audience statistics of how much of the oil came from reserves. So so I give you an example. So for me I'm I'm above 40 years old. Now when we talk about reserve there are big countries like the US and Japan and South Korea, India they have been saving up oil reserve >> for even before I was born. So for 40 years they have been saving up this oil and actually a big chunk of that reserves has already been used since within two within four to 5 months they took out they agreed everybody take out their reserve to to use. And so for the rest of us like when we are living our normal lives to us the price maybe went up a bit. Yeah. >> Then everybody complained right but the thing is why didn't it go up like double or triple is because we took out the life savings of the oil to use. But then the question is how long do you think >> it last? >> It can last 40 years of savings we took it out and use it but not all of it. You have to understand. So I actually put out the numbers to show my audience and this is why it's very important and and I know your audience are mostly professionals and investors and we need to understand this. >> Wow. I completely didn't even think about that in the first place. >> Yes. So that's a very big reason and of course another reason is of course like the oil industry they were very intelligent if one way cannot pass. So then they rerouted. So the so for example countries like Saudi Arabia they they found instead of going through the Gulf of the Persian Gulf they started to go to the Red Sea. Unfortunately the Red Sea is now also blocked. >> Huh? >> And and so what happened is uh there are it's a political issue. So of course the situation is changing on a day on day basis. Maybe by the time your video comes up the situation may have changed but this is how it stands now and there's a lot of attacks. I presented this at the beginning of August. In fact more things have happened since I have presented my forecast. With inflation creeping up, I've been looking for ways to make my idol cash work harder. And I recently found a way to earn 10% interest boost on my eligible cash just by opening up a Longbridge account. If you haven't heard of Longbridge, it's a MAS regulated brokerage platform in Singapore. And right now, new users can unlock some pretty attractive account opening rewards. Simply deposit $2,000 Singh dollar, hold it for 30 days, and complete three buy trades. You can unlock $80 worth of Avidia share plus $30 worth of SpaceX share. That's not all. Here's how you can unlock the 10% guaranteed interest boost. Simply send a prompt to Longbridge AI and you can get a $6 cash coupon plus a 10% interest boost for your first $3,000 deposit. That's another $88 in free bonuses just by clicking a few buttons. In total, you can unlock rewards up to $1,418. So, you have been thinking about opening up an investment account. Make sure to sign up for LongBridge via my link in the description box below and claim all these rewards while they are still available. Meanwhile, let's get back to the video. So in fact uh a lot of refineries in Saudi Arabia have been destroyed. So it has been bombed and the problem is so I I need us intelligent people to understand when you block oil is one thing. >> Yes. >> You can erupt. >> Correct. >> But when you bomb the refinery it means the capacity to produce oil has come down. >> Yeah. >> Yeah. And it's not just in the Middle East. Ukraine and Russia have started to up the war as well. M >> so what happened is that right in the last few weeks in fact Ukraine has been actively bombing Russian refineries as well and a lot of people don't know this but Russia has stopped exporting diesel and gasoline. >> Wow. >> And uh and if you really go and check uh Russia is one of the biggest exporters of not crude oil but the gas and diesel product. So what what this tells us is that so for for example for us as um end users sometimes when things happen like if you bomb the refinery the price may not go up immediately because there's a production cycle so everything has to trickle down. So you'll find that the the higher prices happen later. But what I want everyone to understand, this is why it was so important for me to do that forecast because I need to show people that when I show them Russia's chart, >> yeah, >> Ukraine's chart, Saudi Arabia, as well as um other countries in the in the Red Sea region, that it is very important for us to recognize that this is not a short-term problem and it's not just an article that you read on China news as it will impact several industries. And the problem with oil is it impacts everything because everything has to transport. >> Yeah. >> Right. So so this is the the main thing that I need people understand. And so when you see that the the indicators are very silent for a long time and then everything happened at the same time. >> So when you're saying that indicator, what are the indicators you're referring to? >> Yes. I was just telling Chloe this and I thought she found this very interesting. So everyone knows that when you go and see an astrologer, you have a birth chart. >> Okay. >> That is b b b b b b b b b b b b b b b b b b b b b b b b b b b b b b b b b b b b b b b b based on your birth date and your birth time, right? And I'm not sure if you guys realize it, but countries also have birth chart. >> Country also has birth chart. >> Yes, they do. They do. Because if you think about it, so for example, Singapore. >> Yeah. >> As when we think of us as Singapore, we think of the Singapore that was created on the 9th of August 1965 >> at 10:00 a.m. >> when Liquanu say I now declare Singapore an independent country. >> Yeah. >> So until that moment, we were not an independent country. We were part of Malaysia. >> That's true. >> Right. So the same thing happened with Malaysia. So for like for example a long time ago they were a crown colony >> British colony and only when they officially got their independence from from from UK then the country of Malaysia is born. >> Okay. >> Yeah. So basically every country even China with a very long history but China has a new constitution. >> Yeah. >> So so this is why means before that there was a different China and then a new China is born. So this happens with every country. So I have a collection of up to now uh I probably am always monitoring about used to be 50 something now is 65 countries. So I'm monitoring these 65 countries all the time and I'm comparing with the planets in the sky at any moment. So for example in October what will happen in November what will happen and what is my job is a little bit like like earthquake watcher. >> Oh my god. >> So it's like I'm I'm watching the indicators and of course because it's astrology I can calculate. So I I will know beforehand if in 2028 certain countries uh seem to have problems in certain areas. So that's what my forecast is based on. So it's pure calculation. >> Then what about Singapore? Like what are you reading about Singapore right now? >> Okay. In general I what I can give you the gist of Singapore is that >> so far the the economy has not been impacted and in fact uh I' I've already done something like 14 15 forecast. So far in none of my forecast have I ever said that Singapore is going to be like financially indic uh impacted and so far I have been correct. Yeah. So other countries are having a lot of problem. Only Singapore is registering like what 4% 5% GDP growth. So so far I have not said Singapore is going to be financially impacted. >> Uh that doesn't mean that we will not be impacted in the time to come. So that's why I I I really want to urge people to take the time to go to get the forecast because it makes a difference. >> But the main thing for Singapore which I have already publicly said before is the biggest thing is a wave of retrenchments >> that I'm expecting to happen within the time frame that I'm covering in my previous forecast. And that is why >> which is actually in the next half a year about >> Yes. Yes. It's within the next half a year. M >> so that is the reason why and and also because when I'm out on the street I don't get the sense that the average Singaporean is taking this seriously and it's like everyone knows that oh AI is coming maybe AI will replace my job maybe you heard some rumors some other department is uh changing but what I want a lot of Singaporeans to understand is that uh our situation is different from other countries okay >> so although AI is coming to replace everyone in every country >> but Singapore has a unique problem number One, we don't produce anything. >> True. >> We don't have production in this country. So what this means is that when oil is down, when helium is down. So what came out from the from Middle East is not just oil. They also export helium. They also export fertilizer which to Singapore it doesn't matter most of these things because we don't have agriculture. >> But if there's very little fertilizer in the world, that means at some point there will be shortage of of production. Yeah, and don't forget Singapore what we have are the marketers. We are we have the coordinators, the shipping people and that means we lose our job later but we will lose our job and this one has nothing to do with AI. So Singapore is a unique position where we can see that other countries are losing their job because other people are doing production so they lose their job first and it gives Singapore the impression that oh I think we are okay what >> we are not affected just because you are not affected yet >> the production people die first we'll die later >> it makes sense right >> so it's like Singapore is a lagging indicator >> yeah yeah we are lagging because we are the last part we are the finance people right we are the people who do the marketing at the end of it which is why we don't feel it And also it's very important another thing that we need to understand is um in in my most recent forecast I cover a lot about currency. >> Okay. Interesting. >> And this one will be very interesting to a lot of investors. This is very important >> because it really matters in terms of like international trade but also how it moves the the the kind of investment that you're going into. And this is where Singapore is in a very difficult position because we are import country. >> Yeah. >> We need to have a strong S dollar. >> True. Otherwise we will all go broke buying for things. We are already complaining about how expensive everything is. But the thing is it also means that we are very expensive to other people. >> Yes. >> And in recent times so since the last time Chloe interviewed me there have been quite a number of large scale uh highprofile companies that have moved their HQ to Malaysia >> to KL. >> To KL. >> Oh wow. >> And and and the reason is quite simple. I mean, if you really think about it, uh the average Malaysian who's around our age, >> they speak English, too. >> Yeah. >> And they are also many of them are overseas educated. >> True. >> Uh they also know how to use AI, but because of currency, uh companies can hire them at sometimes onethird of the price that you pay Singapore. So the reality is um Singaporeans will lose their jobs very rapidly. And that's why when by calculation of course every industry will depending on the company and the industry but what I see is a wave of of retrenchments that is going to happen. >> Oh my god. So scary. >> I I know and and I think that many people are not prepared. Uh I think it's important to know this and uh also I have been actively advocating for people to be self-employed for many many years now. It is the best way for you to have control over what is happening in the world also. M and that is so true like if I didn't start investing I will only be depending on one single source of income but that was also the reason why when my dad got retrenched that trigger me to want to find other sources >> was that very long ago >> that was many years ago that was like wow my dad retired when he was like 50 now he's 60 so more than 10 years >> more than 10 years ago so you learned the lesson very early in life yeah I think it's like and you understood how precarious it is when your income is based on sometimes one company and sometimes one person's decision >> right one person decides this department is gone everyone loses their job and I think it's very important that employees understand how fragile that position is >> yeah so whether it's you do investments or I mean if you investments of course you want to listen to Chloe uh but if you what your interest is is in finding your passion and build a business around it then that one you can look for >> I think I think it's really going hand in hand because you want to see how you can create income at the same time, how do you make your income grow through investing? So, all this actually builds hand in hand as well. So, I'm also very curious, right? What's your take on like you're talking about like volatility and all this, right? What's your take on the stock market in the next 6 months or so? >> Yeah, >> I think uh the so my dilemma, right, is that my method actually allows me to look at events that happen in specific countries. >> Okay. But sometimes the events are not accurate for predicting the stock market. Oh, >> because for example, you can have a person declare war >> and you thought the stock market might die, but then no, it went up and people are very excited about the war, >> you know, or or sometimes you would think that certain uh information should make people excited, right? If like if a if a CEO of a tech company announced that I'm spending what how manyundred billion it you should be excited, isn't it? Business must be good, right? But then the stock went down. That's true, >> right? So um so what my dilemma is that I can talk very eloquently on what is going to happen in the country >> but with regard to the human reaction to the stock market that one is a lot harder to predict because the chart doesn't always show me but I think there are few uh ideas that I would like to share with people okay I promise you I have much more detail on this in the forecast but I'll draw your attention to what happened in South Korea >> Cosby that actually collapsed very recently and I think that there are a lot of uh key points that people should pay attention to like like leverage >> and also um I I also encourage most of you even if you all don't watch my forecast go and pay attention to what happening in South Korea right now >> because when the Cosby collapse is not just people lose money in the stock market >> because right now the next thing that's going to happen in in Korea is a real estate market collapse. >> Correct. Yeah. >> Right. So which means that it depends on what your investors are investing in and you cannot just look at it as one asset class because what is happening right now is going to spread across asset class >> and the effect is domino effect. You you agree right? So the thing is because people are using the profits from one asset class to fit into another thing. True. >> Yeah. And which is why everybody needs to pay attention to the circular financing that's happening. Of course we all know about what's happening in the tech industry. they all your money put in my pocket and that kind of thing right but also is happening in our lives as well. >> So people are investing in property for example then you are taking the the proceeds from there and then you are reinvesting into other things. So basically the asset classes will impact each other >> and that's something I encourage everyone to pay more attention to because uh what I'm worried about is the domino effect. This is why uh it's important that investors pay attention to this because otherwise everybody attention on one country when actually the problem can come from other countries as well. >> That's true. We are so connected nowadays. >> Yeah. So so and and the thing is one country increases interest rate. The pressure is also on other other countries to also increase interest rate. So it's like nobody operates as an island. I know Japan is an island but but you know nobody operate as an island. >> Yeah. So, so the thing is uh that's why my forecast is not just astrology. I'm asking people to look across the board at the connecting factors. >> Yeah. So, this is the part that I want people to pay attention >> like more like a bird eye view kind of perspective. So, if you are interested in to actually really go very in depth about the forecast. I'm actually leaving the links in the description box where I actually may go through very very in-depth about what's happening from now all the way to next year March. about the key events and even dates that you should be looking out for and how that can also impact be is it your investing or even like your career and all this. So I think it's going to be really really insightful for you. So I'm very curious about talking about property right and since last episode you talk about actually property is the earth era thing like literally bricks and all this you know like I also went to attend property causes so I was also like very like eager to see hey how can I expand my property portfolio better but at the same time I also have this concern about what you say wow potentially actually there might be people losing jobs and because of that when they are unable to refinance and that's how they start to drop. What's your take on that? >> Let's focus on Singapore, right? I do like your listeners to consider a few things. Okay. One is um in Singapore, a lot of the properties are HDBs. >> Yeah. >> And HDBs because of the age of the property, there's actually a huge amount of property in Singapore that was built in the 70s and the 80s, >> right? And and which means that these properties have now almost passed the halfway mark. M >> but if you go on property guru right now you will see that people are still trying to sell such properties for more than half a million dollar >> depending on location some people are asking for $7 $800,000 right now we experiment with something okay so Chloe is in her 30s >> if you buy a property that is like 50 years old right now it only has 40 years left >> you are unlikely to buy it because you will outlive the property >> true >> right if it has only another 40 years it will only last before you become 80 years old and the thing is because it's a 99 year lease. If you pay $700,000 for it right now, when you are very old and you cannot work anymore, your house is worth nothing. >> Right? Everyone understood this, right? So, what what this means is that um people of this age, >> we won't be buying that property. It don't make sense. >> Yeah. >> Because it's too expensive and it doesn't it's not a good investment for you, >> right? So, I need people to understand this. >> True. >> But and then you might say, "Oh, but then it's for older people to buy." But, you know, in Singapore, older people can buy short list, right? I think that's a very good initiative. >> Yeah. So if you buy short list is half the price of that you don't have to pay $700,000. So that's why okay I want you to think in a very logic way. Yes I'm an astrologer but I don't just say oh uh this thing will happen because the planet says so because we need to use brain also right and so when the when the planet show me something I also think okay does it make sense especially when I see things that go against my belief because I'm also a Singaporean. I was brought up in a world where they told you just buy property confirm will go up. >> But then you see what your parents say is because when they buy that property it was only 10 years old. >> Yeah. >> When you buy it now the property is 50 years old. It's not funny. And because HDBs are so plentiful around and also many of us know that in the last few years uh there have been a lot of construction. >> So the BTO's are in the in the tens of thousands of units. So basically there will be a very large supply in the market >> and and so people need to take into consideration all these multiple factors right. So first um flats that are very old that are frankly not worth the money >> right and also the immense supply from now on because COVID if you remember COVID was when everything got stuck right then subsequently after that every year it was a bumper crop of BTO and BTO and BTO so which means COVID year which means now it's 2026 so now the first batch of the COVID flats are coming onto the market everyone understand next year there will be another bumper crop will meet MP then next year another bumper Crow mean MP have have you go and calculate what is the supply of HDB flat? So so far I talked about HDB only. Okay. But if the price of HTBs get depressed >> then it will depress the average price >> as well. Yes. >> Yes. And and just now I talked about retrenchment. Okay. So this is the this is the truth that when retrenchments comes sometimes people need to downgrade. >> Yeah. And it means downgrade means from big flat to small flat. >> And downgrade also means uh when you are retrenched there will be one or two cases where people desperately need the money. >> So we will start to see transaction numbers being recorded going lower and lower and lower. Especially if you have a 50-year flat that nobody want to buy at 700K >> then somebody will sell at 500K >> and later on somebody will sell at 400K. Then the the price starts to come down. Which is why once the average numbers go down, will it start to impact the private market? Okay. Then also consider that like what Chloe said, if there are retrenchments uh in Singapore, buying taking a loan requires you to declare your income. >> Y >> and if you have no income, I'm not really sure what exactly are you uh declaring to the bank when you would like to buy a property. I think people need to think about all these things before um you go to buy a property based on information that is so I I'll repeat this. I'll say it very loudly. If you are taking property advice from people who quote last 20 years data, then I think you are looking at the past and you're looking at the earth era, but you are not looking at the air era. Uh I know that what I say is directly opposite >> of every single person who is in the property industry and who is uh trying to encourage you to buy property. But I I like to look at the facts and and consider what is coming in the future. >> And another thing is like uh when we talk about commercial property, >> um both me and Chloe are millennials. >> I don't think we will ever start a business that requires us to pay rent. >> That's true. >> It's true, right? You will never >> That's true. >> It doesn't matter in what country. You can move to another country now and you can start a new business and you will not pay rent. I'm correct. Right. Yes. >> So any millennials listening here, you are very unlikely to go and open a business that will have like 100 employees. Then you need lots and lots of office. They need to renovate. They need to whatever. >> Unless you run a tech company that scale. >> Yes. Yes. Yes. But even then the tech companies I don't know if you realize they are retrenching. >> Yeah. That's true. That's true. >> And AI don't need office. >> AI live in the data center. >> Right. So but so what I'm trying to tell you all is that um I mean when we buy property we invest in the future. The unfortunate thing is um so if you find a lot of people who believe in property especially commercial property you will notice that a lot of them are boomers >> and they are gen X. So which means that as of now they will be about maybe 46 years old and above. M >> so they will buy commercial property because but you must understand this is the world they grow up in >> that it used to be that if you buy a shop space confirm make money >> you know but I can tell you Chloe is not going to rent a shop space >> no way and if if your average millennial is not going to rent a shop space who is going to rent your space >> I don't think Gen Z is going to rent your space so when we buy property we are not thinking one or two years we are thinking 5 10 20 and this is why uh I urge people to think uh of property in a in quite a different way. >> Yeah. I'm not saying that the property won't be there. I'm just saying it may not be worth what you think it is. >> That's what I mean. And I think it's also important to consider the kind of um like like sector like for example I mean there are definitely properties that still have that that the demand right be is it like if there's a certain industrial property that say oh we we are factory that produce like food whatsoever then obviously there's a demand but then you want to make sure you be more selective during this period of time there's still way to make money but it's not as easy as it used to be I want to caveat one thing. Okay. In terms of certain types of property, there are properties that are for very very rich people. >> That means not for normal people like like most people, right? So a good guideline I mean don't quote me on this but I think logically a good guideline is anything that's 4 million and below. >> Right? So this is but anything is 4 million and below you can have a husband and wife who are high income and they can afford it. >> Yeah. >> But let's just say anything like very orchard road very you know very 9 million and above. Um most people most people wouldn't be looking at it. But that is when we start to move into multi-millionaire territory. True. The billionaire territory. The kind who buy one a few houses in any random city. They like the city they just buy. Right. >> Um now that one different. There's a potential for it to go very very very high >> because uh Singapore is very safe. >> True. Political is very stable. >> No no no war >> and uh natural disers. you won't get shot in the street, right? So if you are very very rich and you have children, you want to put them in Singapore and you want nice house. So when people ask me every time they know I'm astro, how's the property market? I'm like, wait, what kind of property? >> Is it normal people property or the ultra high net worth property? Not the same property. >> Oh wow. >> The market is different. Do you I don't know if you agree. >> Absolutely. Absolutely. It's not a sweeping statement basically. >> Yes. Yes. And my my general advice for investors now is when you look at data uh investment data always ask yourself are you looking at past 20 years data >> or are you looking at next 3 to 10 years data. >> I really like the way that you actually analyze it's really long-term thinking. Yes. Like I think a lot of times like we investors we are very caught up in the short run right but when you actually move your vision so far ahead it give you way more clarity uh and a better decision making thought process as compared to like being blurred by what is happening around the corner. >> It's occupational hazard. I look at planets the planet very far away. >> True. True. Your vision is naturally already far. Wow. That's awesome. What do you think about like since all these volatility is happening? Do you still think that like precious metal like gold, silver actually previous episode we did talk about it as well and um in fact since then after the gold price deep right now is rebounding pretty strongly including silver as well. >> Of course of course I'm smiling because but um okay so the thing about precious metals is that precious metals is not a human invention. Mhm. >> So it doesn't matter whether is it earth era, fire era, water era, uh you pick any era in history, kopachra era, uh Shakespeare era, gold and silver is valuable. >> True. >> That means nobody argue with this statement. >> True. >> Gold is money in any time in any country. Don't care what language you speak, gold is gold, >> right? And so which is why uh I know gold is not attractive to investor because there is no yield from it. There's no but I think um my advice about is that this volatility is different from past volatility. I think the the instinct of an investor is when they see volatility is that oh but we can always profit from the volatility. I'm not going to argue with that. You are correct. But I think this volatility is different in the sense that because it's changing era >> it will change the meaning of money. Every time we have an era change, you think about how in the past if you wanted to bring a gift to Cleopatra, you bring grain like you literally get your cow to bring the grain there and that is considered a a good gift. >> It would be very funny if you pay your restaurant bill in in grain nowadays. So when when the eras change what people value will change >> but and this is the reason why uh I think precious metals are a good idea not because it's a good investment but because it is a good place to keep your wealth >> because wealth is not money that that's the thing that I think a lot of people need to understand wealth is not money >> because money is just fit is what the currency say you can buy with this money gold is wealth I would include silver in that list as Well, and in fact, precious metals, if you ask me, now because of where the world is going, you know, even things like nickel, chromium, titanium, it's like, you know, they're all precious now. >> Copper, copper, >> it's all precious now. So, it's like um but you know, this is the value of the earth. >> Yeah. >> Doesn't matter what era we are in, we always need where we had the bronze age, iron age, steel age, metal has been precious since the dawn of history. m unchanged principle that is able to last. >> Can I add one thing? You know how um when just now when Chloe say oh the price of gold has gone up and sometimes you know if you are coming from investor point of view say if you buy at 3,000 then now it's 6,000 then you wow very good my portfolio has doubled right but the bigger question to think about is did your go double in value or did money drop half in value >> right so a good guideline is how much money did $50 buy you at NTC >> uh 10 years ago versus 5 years ago versus now and what will what your $50 buy at NTC 5 years from now >> or don't don't need things so far next year. >> You know what I mean? Used to be $50 but we need two people to carry it. Now you can barely even feel one bag. >> True. >> It's true, right? Yeah. And you know the prices creep up bit by bit. So when your goal doubles in price, it doesn't mean that your investment doubled, >> it means that the price of money has dropped. >> So that's why I ask investors to sincerely think about if your portfolio went up by >> 7%, 8%. And I know we are all trying to hedge inflation but inflation is a number that econ economies create actually to me the real number because why we all invest I mean we are not here to be wow multi- million m we are just trying to feed our families true >> right so at the end of the day what's important is the money that you make the money that you grow is to maintain your lifestyle >> and if you cannot go to NTC and buy a lot of things to eat >> this is the basic >> right and if $50 used to buy two bag now cannot feel one back means the money half. >> Yeah. >> Right. I don't care what the inflation numbers is. >> True. >> At the end of the day, we just want to eat food and look after our families. >> What are the particular uh things that astrology charts are telling you that sectors certain sectors are probably having more >> uh impact in the next few months or even until like 2027. So um usually when I see my private clients there are some guidelines that I I show them with regard to what is going to do well in this period and actually what I'm about to say is not very special in the sense that it will make sense to you I promise you right. So we when we talk about the new era so right now we are in the air era so which means that earth era jobs that used to be wow very good jobs are no longer as tang it's no longer as uh admirable as as it is. So for example, you know, when we were younger, being a doctor is like, wow, fantastic. >> The most prestige job, >> prestigious job, right? And you have like lawyers, people who are like bankers. It's like it's always at the high level. True. It's associated with high education, high income, high status. >> But the the reality is right now every time I speak to a doctor, they're telling me that there is software that can diagnose >> uh an illness, >> right? which means that technically doctors could potentially lose their jobs >> unless we insist that oh I prefer to see a human doctor >> but if you don't mind that the AI is diagnosing based on your blood test and whatever actually the truth is the the AI is probably more accurate >> more accurate I think no human judgment >> yeah no human judgment and they will base it on millions and millions of similar cases so unless you are very outlier which is unlikely >> the AI is going to diagnose your case correctly True, >> right? So we know this cognitively and so what this means is that doctors even lawyers, lawyers make their money from preparing documents >> and I mean AI can prepare documents, right? And so that's why I think we have to change our idea about what is a valuable job nowadays. So here are some guidelines. Okay, one is that you don't want to solve an economic problem. Okay, so listen to this because in the past you make a lot of money if you can know how to make money. >> Yeah. if you know how to uh save time. >> But the problem is everything is based on metrics now. >> Any business you run has digital information? >> Which if you plug it into an AI, it will tell you, oh, maybe you should don't sell this product and you should sell this product because you will make more money. >> And in fact, that makes the AI more clever than a human who is emotional. >> Maybe you might think that, oh, but I love this product, but actually losing money. You know what I mean? So which is why um if the if the aim is to solve an economic problem what is the fastest way to ship your product from Taiwan to Zimbabwe for example actually AI can do it faster than you and he will be correct on real time data >> so don't solve economic problem you will be replaced by AI make sense >> yeah makes sense >> so another one is that you don't really want to build your career around solving technical problem >> for the same reason >> right because of course of course I'm going to get push back some People are going to say yeah but not every engineering can be can be done by AI. I agree with you now >> but then do you really want to build a career around it? Are you so convinced that in four to 5 years time that the AI is not going to be smart enough to do the engineering calculation that now you do manually >> I guarantee you it will be replaced. >> Right? So then the question now is like so for us to be productive to be useful in society then what kind of problems should we solve? So I I will propose something and it is to solve social problem. >> Okay. >> Okay. So social problem can include things like parent and child communication. >> It could be boyfriend and girlfriend communication. Why you have no boyfriend? Why you have no girlfriend? Right. Uh it can also be how do you become a better listener? And I know all of us will some people tell me but may you can ask AI Gemini will give you the answer right? But you know Gemini doesn't know what it feels like to have your mother pass away. M >> you know what I'm saying? But when a friend comforts you and the friend say I know how it feels like my mother passed away last year or whatever it is right >> if you feel something. So when when you solve a social and a emotional and a human problem uh you are still relevant. The other thing that I would say is that look for work that serve community >> because most of us we grow up being employee >> so we serve company >> and you know companies have a bottom line. The idea is you must either save time save money or make money for them. That's basically what we all do, right? But right now, the idea about serving a community is very interesting. In fact, she's a very good example, right? She's a YouTuber, >> right? And it's not like, you know, she doesn't charge you from watching a video. That's not why you are doing it. And there's no company that say, "Hey, Chloe, I'll pay you a salary. Go and make video." She doesn't. She makes videos because and you find people to interview because what they say is useful to your audience. That's all. >> And it's useful when I listen as well. Yeah. >> Yeah. And and together everybody is learning together. Yeah. But you see that's how we are at the same there's no reason to say that if you serve community you cannot make a living out of it >> because Chloe does that. >> So and and I do that too. All my activities all my forecast it's a serving community thing. But I mean we are not going to be shy about the fact that we make a living out of it. uh even moving forward things like aging population if you can solve the problem for 1,000 people you you whatever money you make times 1,000 is money. >> Yeah that's true >> it's true right I mean >> yeah and you're really giving value and helping people who who needs a solution. >> Yes. So it's a it's a simple way to think about it. If you make $40 from each sale and you help 100 people every month that's 4,000. >> Yeah. >> And for most people 4,000 is a good baseline already. won't you weren't starved to death already. Correct. Yeah. So I invite people to think like this. >> So that if you do that basically you your service will be in demand >> and you are going to make a living you'll be fine. Right. So you don't have to worry about getting retrenched. That's very important. Okay. Another thing that you want to think about is collaboration >> like what me and Chloe are doing today. And it's like it's very lonely to do everything by yourself. >> True. >> Right. And and even Chloe is saying wow you know it's like some people very good with gadgets. So we want to collaborate with the people who are very good with gadgets, you know. Yeah. By the way, we're talking about people behind the camera. >> That's why the set is because of the person behind the camera. >> Me and Chloe don't know how to set up one. Right. So basically, but it's a very powerful thing when you and me and the third person are collaborating together and then this video is born. So a lot of people think that wow, if I want to move forward, I need to be very clever. I need to be good at this. I need to be good at this. Then you go and take causes. Then you feel like you need to take a lot of degree. No need. Just find the person who is good at it. Then you collaborate with them. >> True. >> Then you can get it done immediately. No need to go to school for 3 years. >> Yeah, that's true. And then you really get the best experience because you're tapping into the wisdom and experience that the other person has uh at your fingertip and then that person is also able to leverage on your strength. Um and that's how you really speed things up. Also, it's more fun to collaborate. >> Yeah. Yeah. Exactly. And I I like increasingly I get to see that wow it's so power to have a network because last time the old me were thinking that okay any everything I can do by myself right but as I grow older I felt like oh wow you know like I become who I am today not because I do everything by myself it's because all the people around me that help me that that basically give a lot of like support to me so that's when I start to see wow human connection is so powerful because uh You get to level up a lot faster and most importantly you are building a very good relationship. >> Do you also agree that it's enjoyable? >> Yeah, it's very enjoyable. >> It's very enjoyable to work with people. I mean who who here enjoy working with Excel sheet? I mean like really do you really want to talk to AI all day or it's more fun to work with people. >> That's true. >> I think it's much better. Yeah. And I think if I have one last point that I would like people to consider is that sometimes building a a a brand >> an online brand is very powerful. I think in the in the earth era brand we think of brand as like LV or like Prada Dior it's always associated with high class high level >> but I think in today's world if you go on Tik Tok you go on Instagram actually the best influencers are not wearing branded and we are not here to show off actually we're just sharing our authentic view that's it and actually most of the best influencer are not special people we are just regular people who live in HDB flats you know what I mean and in fact the more polish if You look like some Hollywood celebrity, people a bit suspicious. Correct. Correct. They think maybe you are not telling the truth. There's some agenda behind it. But then if you're just a normal person, people listen to you. >> Yeah. I think because they can resonate. Yeah. And you are being authentic. I think that's the most important thing. And then since we are moving to 2027 very soon, right? >> What are some of the key things that you want to highlight for 2027? >> Okay. The biggest thing I would say is that um in the air era war is a highlight. >> Okay. So that means when the Song dynasty fell uh there wasn't peace in that region for a very long time. >> Oh wow. >> What I'm focusing on in 2027 here is that uh we want to first understand that uh a bit of chaos is going to be expected. >> Uh a lot of the countries that are uh they're fighting the wars right now the war is expanding. Okay. So this was my prediction and it is happening now. So the Ukraine war is already expanding. Uh drone warfare can now hit very far. >> True. >> So the thing is uh if Ukraine can hit almost Siberia and this is the truth. It really from Ukraine they can drone and hit Siberia is very far away. If from Singapore to Shanun you know that's how far it is. Yeah. And men. So you don't even need to put a human. So basically war has expanded to the point that I sit here and press button and you can explode a long way away. But the thing is um this is also how the world war started. So one country by one country they start to get more and more involved until literally everyone is fighting and this is something that everyone needs to be prepared for. I I got very detailed in my forecast about about blockages. >> Okay. >> So in this year alone the straight of hormones was blocked. >> Yeah that's true. and the Red Sea was blocked >> in the past few weeks. The Black Sea was also blocked. >> And so Russia and Ukraine, all the ports in the Black Sea are no longer operational. So this is the new trend. >> And which is why for us in Singapore, we must pay attention because we have one of the busiest waterways here called the Straight of Mala. I'm not saying that there's going to be a war here, but I think people need to understand that this is a new trend. >> So for investor, we must be very clear about where the fragility is. So if the business that you invest in is dependent on one airplane route >> or one shipping route >> or one uh lorry route >> what happens if this thing >> right and what happens to the investment so I I'm not saying it will happen but we need to think like this now because in the past 20 years it won't happen why would someone bomb a bridge >> but sorry it's happening now >> the waterway they can block >> so it's happening now which means as an investor you cannot discount the possibility >> that what your investment is dependent on can be blocked. >> It's a reality. Um that's why okay in my in my upcoming forecast I'm actually going to hit uh quite a number of countries >> and I will go by region. >> Okay. >> So of course I'm going to cover the Southeast Asia region which all of us are very concerned about but I also look at Europe. What is happening there? Germany is not doing well. Neither is France. >> Uh and they are going to have a very big energy problem in Europe very soon. So this is my prediction that I put out. Um again more details there. Uh Far East, Japan, South Korea, China. This is where a lot of people's attention is on. >> Uh and of course the US and now frankly Canada as well, >> right? So which is why uh it's it's a huge market when we're looking at not just stock market, we're looking at energy market, >> fertilizer market >> because it tells us where the money and the resources are going to go. >> That's true. >> Yeah. >> Oh my gosh. So I'm super excited because I will be also attending May's forecast in October. Right. >> Yes. Yes. In October. >> Yeah. And I think like for the first time I think I'll be able to really understand that macro picture of how all these different elements happening all around the world will actually come in place to actually affect your own investment portfolio as well. So I'm super looking forward to it. Can you share with us a little bit more about like if people want to find out more firstly what are they going to learn and how can they actually join you uh for your live conference as well live forecast. >> Yes. So actually this is going to be a live forecast. We are doing it in the Asian civilizations museum in the auditorium. Uh but what you will see in the forecast is I usually go through countries >> but this time around I'm going to experiment with something new. So I'm going to look at for example >> trends >> property trends. What is going to happen in the new era? What does property mean? >> Wow. >> Right. And and when you understand it, then you can make a informed decision as to if you have money, do you want to put in property? And what type of property? Maybe it's a different type of property than what people used to invest in because the world has changed, right? Correct. And uh if you're going to start um business for example, you want to know which are the waterways, which are the >> tong to all the all the all the connecting space uh that may be affected by political issues. Uh we also want to look at which countries might see a change in government >> and I I would think uh employment situation in countries. Yeah. Whether some countries are going to face shortages. This is a reality that we have to understand there will be shortages in the world. >> And I remember you mentioned to me that this is not just for 2027 but all this actually will also eventually impact the 2028 and 29. >> Yes. because it's a it's a it's a bit of a cycle. Uh from 2027 to 2030, I would call it like a chapter. >> Okay. >> So actually um when I first started doing my forecast, I presented my work as like chapters in the air era. So the first chapter was like the COVID era >> when we started to wake up to the idea that oh remote work was possible, you know, or or like certain industries like just died during during COVID, right? And new industries were born. And then after that there was the other then then there was the AI chapter. M >> and it started to come in and people were still not sure how it was going to play out and then now we are moving into the next chapter which is that the world is remaking it itself and this is why um it will it will be it will feel scary to some people but actually I ask you to think of of it in a more optimistic manner because uh there are a lot of things in the earth era we didn't like also you know there are a lot of companies that they were not the most efficient and we were not happy in their job so actually now we can consider >> there's a chance for us to have will say >> as to how we would like to see resources used in a better way. >> Yeah. And as Chloe said, there's going to be a Q&A panel. So I have a illustrious uh list of people. So I definitely have an investment expert that would be Chloe, which you all already know. I also have a HR expert. So this is someone who works with companies uh with hiring and she's able to tell us what is happening on the ground, what is happening to employment, which I'm sure you're all very concerned about. We also have a coach who works with small business owners. So that means especially for those of you who have pretty much decided you don't want to be employee anymore. So what are some of the major considerations if you want to start a business now? I think it's very useful. Uh we also have an AI expert who helps people build second brain and uh and he's also keeping up to date with what are the trends in the market. What do people need to know about >> AI and not just the hype >> you know we want to know as business owner and and investor what is true and what is really happening. Right? So I'm going to have all these people on my panel. >> I'm super looking forward. So I will make sure put all the links in the description box. So uh when you uh join us, not only will you actually get to learn from May, you will also get to learn all from like different kind of experts and most importantly you have clarity on what to get prepared for and how can you position yourself better be it your investment, your career uh for the few years ahead. We love to meet you guys. >> Yes. Please come, please come and shake our hands and please, please bring questions. We love questions. >> Uh before we wrap up, okay, any other things that you want to particularly highlight to our audience? >> Well, I I think it's uh it's very important to keep a very positive mindset, >> right? because uh at least in the past few months uh when I work with my private clients is >> what I am so happy to see is that even you know I lost count of the number of people who told me that even if I get retrenched now I think it's okay >> because I'm looking forward to building a purposeful life >> so that means I don't want to live a life where I feel like I must hold on to this job >> because there's all this stress and to them it's like yeah what's the point of getting another job then I I I keep thinking about when Is my next retrenchment letter going to come? I got clients tell me I be retrenched four times, five times. They said I I used to it already. But I said, can you not be used to it? Be self-employed so that you can uh never be retrenched again for the rest of your life. Like me and Chloe, we will never be retrenched. >> Yeah. Yeah. I think it's like when you learn the right skill set and most importantly you feel happy that you are living your life with a purpose and most importantly during this period you are not just enriching yourself but you're also enriching a lot of people around you. >> Yes. It's very purposeful. It's purposeful. Yes correct and that's why you know we glow so much. >> All right. So thank you so much Mary once again for your very insightful sharing and our audience I'm pretty sure they learn a lot as well. So, make sure to follow me and uh join in her upcoming forecast as well. It's going to be happening physically in Singapore. So, we can't wait to see you in person. >> Yeah. And meet Chloe, too. >> Yes. Meet me there. I'll be the investment uh speaker on that day. But then, of course, most importantly is she is the highlight of that that show. Okay. So, make sure to go and learn from her. And thanks for your time as well for spending these one past one hour with us. I hope you guys learned a lot. And u make sure to subscribe, like and follow. And if you find this episode useful, share it to your friends and your family members because I think there are a lot more insights that can give you. >> People need to be prepared. >> Correct.