Dear Students of Batch 14,

It’s been a great honour and privilege to be able to conduct a 2-Day Early Retirement Workshop for you.

The business of investment training has become more challenging lately as the lockdown stretches further and we’re grateful to be able to conduct a class of such decent size in June. This batch will be the third class that we can conduct during a COVID-19 lockdown period.

Markets have also been quixotic one week before the course. It reversed from a bullish trend on the days before the class weekend wreaking havoc to the Z-Score spreadsheets I compiled the week before. As I do not want the class to be hit by another wave of selling, I made a decision to do a little bit of market timing to withhold purchases until the downturn reverses itself.

Unprecedented times demand unprecedented measures.

Fortunately, we managed to receive some good news on Monday night when Phase 2 of the loosening of

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