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.Follow us on our socials:Facebook: https://www.facebook.com/DollarsAndSenseSGTelegram: https://t.me/dollarsandsenseInstagram: https://www.instagram.com/dnssingapore/Listen to our podcasts on Spotify: https://open.spotify.com/show/6XkfHXOUXtFWfAWC7q0MwZ?si=c5ce4c58884a4fdbDon’t forget to subscribe to our e-newsletter to receive the latest updates from us: http://bit.ly/DNSxEnewsletter

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