Harvester’s tips

Albert Einstein once said, “The only source of knowledge is experience”. In this segment, a professional financial planner and other seasoned investors share their advice with the benefit of hindsight.

"I cannot stress enough the importance of investor education."

Apelles Poh

Certified financial planner, author and motivational speaker

What is the best investment advice you have received?

One of the best advice I have received is that stock markets will always rise over the long term as consumption (quantity and quality) and productivity increases.

In addition, the very essence of the human spirit and our ability to innovate and desire to “make things better” also help economies and companies grow. This is why I believe that equities will outperform bonds and bonds will outperform cash, over the long term. This core belief helps me to remain calm when markets are down.

What do you think are the first steps for new investors?

I cannot stress enough the importance of investor education – it makes the investor less likely to be influenced by their emotions when investing. I believe that there are seven key principles which can guide investors:

  • Diversify

    Don’t put all your eggs in one basket.

  • Cash is not king

    It gets eroded by inflation, the greatest risk of all.

  • Practise dollar cost averaging

    Take advantage of market corrections (and markets will correct!)

  • Exercise prudence

    Invest after short term and emergency needs are met.

  • Understand risk and reward

    There can be no reward without taking some risks.

  • Have patience

    It’s time in the market, not timing the market.

  • Be realistic

    Markets will be volatile and fall, but history also shows that markets can recover.

How does one pick the “right” financial adviser?

It is important that your financial adviser provides you with a holistic view and shows how all your individual investments, including insurance policies, fit together to help meet your financial goals, whether it is buying a new house, setting aside money for your children’s education or preparing for retirement.

In a way, it is like seeing how the different pieces fit in a jigsaw puzzle and identifying the gaps. This also means that you will need to provide enough and relevant information for your adviser to come up with the proper “diagnosis”. This may be challenging for some investors. However, without proper diagnosis, the prescription would not be accurate. Product solutions should come last!

The general concepts shared are for educational purposes only and not for the use in the marketing or sale of any Eastspring investment products.


Viewers are advised to be cautious if they intend to invest in any products that are used in the illustrations as the illustrations do not cover the full spectrum of considerations required in making an investment decision.


This information is not an offer or solicitation by anyone in any jurisdiction in which such offer or solicitation is not lawful or in which the person making such an offer or solicitation is not qualified to do so or to anyone to whom it is unlawful to make such an offer or solicitation. It should not be construed as an offer, solicitation of an offer, or a recommendation to transact in any investments if mentioned herein.


The information contained herein does not have any regard to the specific investment objectives, financial situation or particular needs of any person. Investors may wish to seek advice from a financial adviser before any making investment decision. In the event that an investor chooses not to seek advice from a financial adviser, he should consider carefully whether the investment in question is suitable for him.


Eastspring Singapore is a wholly-owned subsidiary of Prudential plc of the United Kingdom. Eastspring Singapore and Prudential plc are not affiliated in any manner with Prudential Financial, Inc., a company whose principal place of business is in the United States of America.