Oil, oil and it is oil again. The whole world is closely observing the oil prices, are you? Is the lower oil price doing any good or bad to your investment portfolio? How should you position your investments in 2015?

When it comes to oil price and the economy’s performance, the topic becomes so complex, I will try to provide you with some insights from my researches in this article.

Three Weeks ago, I wrote “the real ‘time bomb’ from sharp falling oil price” is the risk to financial institutions. Yesterday’ Straits Times article “DBS loans ‘unaffected by lower oil prices’” just resonated my views. In fact, it seemed a clumsy denial of the danger by just saying “Bank monitoring impact on clients in oil & gas sector”.

What is the real cause of declining in oil price?

There are always an interesting debates on whether the fall in oil prices due …