In the 1990s, if you still remember the "Singapore Dream", it was neatly packaged into the 5Cs: Cash, Condo, Credit Card, Country Club, and most importantly, the Car. For some, it’s a status representation, for others, it’s a non-negotiable tool for survival. Young families trying to transport toddlers in the rain, or business owners rushing between client visits. But with COE premiums often swinging more wildly than a volatile tech stock, how do you know if you're overpaying? I have written an excel model just to understand this. Mastering the "COE Swing": The Signal Win Rates To answer this, I’ve moved away from coffeeshop hearsay and into the realm of data. I developed a model to backtest COE price action across four distinct "market regimes." The results—specifically the Signal Win Rates—reveal a fascinating story behind these data. <table data-path-to-node="4" style="animation: auto ease 0s 1 normal none running none; appearance: none;...
