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Author: David

Typical day as a Startup in HK

Wake up at 645 from the kick of daughter, yelling “Pa Pa”. Jog down some random thoughts I have because if I don’t I will forget and cannot retrieve them

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5 things I learned working in Investment Banking

Throughout my 10+ years career in equities research in investment banking, there were many lessons I learned. These are some of the key takeaways. Never, ever take things for granted

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When you buy Life Insurance, How does the Life Insurer make money?

My major at university was actuarial (I still remember the 2 most important things I learn there were in the case of 50/50 chance, the side with the more capital

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3 crazy things happened in my life in 2018

A lot of things I did in 2018, which when I think about it, if I have gone back in time and told the me in December 2015, I would

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3 specific steps to get a Job Interview at Investment Banks

It is always discouraging to go on efinancialcareers and see the position you crave for has already received 100+ applications, or you simply don’t have the number of years experience

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3 Mistakes I made as a Stock Investor focusing on Fundamentals

I made plenty of mistakes as a personal investor as well as a professional one. I still remember one of my first big win was a Uranium producer in Australia.

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Banks go under because of Liquidity not Credit

I spent some time studying banks history earlier and perhaps not surprisingly, found that most bank crises stemmed from liquidity initially. It could be a bank run on deposit, spikes

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I was Consumed by Fear today

  Every once in awhile in my entrepreneurial journey, I let fear gets the better of me.  I would feel really grumpy and not in flow. I could never find out

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How Banks Make Money and How You Can Do It Too

In my previous life, I spent around a decade of my life analysing banks. In essence, a bank makes money by getting money from someone at a lower rate (deposit)

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