INSIGHTS FROM CFA SOCIETY SINGAPORE
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What retail investors should focus on: stable market principles

They can also rely on technology to build a strategic allocation that is aligned with their needs

    • Investing skill is about constructing portfolios that are aligned with one’s objectives, constraints and tolerance for uncertainty.
    • Investing skill is about constructing portfolios that are aligned with one’s objectives, constraints and tolerance for uncertainty. PHOTO: PIXABAY
    Alfonso Ricciardelli
    Published Tue, Mar 24, 2026 · 03:59 PM

    RETAIL participation in financial markets has expanded dramatically over the past decade, primarily due to improved access, the collapse of trading costs and increased market transparency.

    Investing ideas now circulate across different platforms, in different forms, at a pace that would have been unthinkable even a generation ago.

    Yet retail investors who trade on their own overwhelmingly lose money, due to the combined effect of an excess of information and human behavioural biases.