Portfolio Updates

Finally a Chance to Tread Back Slowly into the Market

Calvin Lo

So far 2026 has been a good year for stocks, with the S&P 500 gaining 15% YTD. We are still pretty firmly in a bull market but in recent days there have been some signs of cracks in investor confidence especially concerns over an AI bubble.

The problem in bull markets though, it that it is difficult to add to our Family Retirement Portfolio (FRP) outside of the regular monthly RSP buys. I manage our portfolio in a pseudo-passive way, where I look out for buy/sell opportunities based on a systematic formula for cash allocation.

Thanks for Michael Burry again ringing the alarm on a potential crash, this time by shorting AI stocks, the market got a bit spooked and sold off. Not a huge sell-off though – S&P is only -2% and Nasdaq is -4% off all-time-highs respectively – but even then there have not been many opportunities like this since back in April earlier this year.

I’ve also been trimming on the way up to manage portfolio risk and rebalance the portfolio, so this opening to redeploy our cash pile is welcomed.

So far I’ve only deployed ~S$10k mainly into index ETFs (VWRD and QQQ) and a bit of Bitcoin. That’s a far cry from the S$48k deployed back in April 2025 during the market correction but that was a much better opportunity. If the market continues to slide substantially, I’m ready to take advantage. Current cash holding is at 15% of portfolio value. Let’s see what happens in coming weeks.

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Disclaimer: This is not financial advice. I am not professional financial advisor nor do I work in the finance industry. Anything I write here is purely my personal opinion. Please do your own research and due diligence before investing into anything. All investments come with associated risks. Best to consult a financial advisor if you’re still unsure.

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