Sometimes we take for granted what was afforded to us all too easily.

Howard Marks said that when times are good, it is usually then, people do not see the increased risk. If risk is uncertainty, then the greatest uncertainty is when you least expected it.

The bigger risk for many isn’t investment risk, or volatility in the markets.

Yes the stock market is not having a good time now (depending on how you look at it) but the stock market is usually the canary to how well the general economy does.

The bigger risk here is to your human capital, or in simpler terms your job.

Losing your job creates a host of problems. And this is not constrain to Singaporeans. The permanent residents and employment pass folks are just as affected.

The employment pass holders have to be away from Singapore in 1 month’s time:

  1. How …