Recorded at the Seedly Personal Finance Festival 2025, Timothy sits down with Xin Yang, Head of Wealth, Structured Products Advisory, from uSmart to tackle a question every investor asks sooner or later: Should you even try to beat the market?

They unpack what “average market returns” actually are, how TikTok and YouTube can give investors false confidence, and why beginners should build a solid foundation before trying to outperform the market. From diversification and core ETFs to FOMO stocks, gold trends, overseas markets and dollar-cost averaging, the conversation turns complex investing ideas into simple, practical insights you can apply right away.

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