With the rate cycle on its downward trend until 2027, couple with global trades and supply chains uncertainties, 2026 will mark the end of bull cycle for banks with progressive revaluations and/or corrections towards realistic fundamentals. $OCBC Bank(O39.SI)$  may have additional uncertainty given its insurance income component which has been evident in its Y25Q4 result. As an investor, it is time to assess trims and capital recycling if not already embarked on this journey. 😁 

$OCBC Bank(O39.SI)$  is due for correction as its current price is overvalued. DBS Q4 net profit dip 5.6% and stock price correction for following days after report out. UOB Q4 net profit dip 7.4% and same day correction peaked at 4.64% ($37.00). OCBC should follow suit and perhaps Q4 net profit dip may be between 6.2%-6.8%. 😁 Time for those who trimmed during OCBC Jan-Feb peak price $27.7x to redeploy again. 😂

$PETROCHINA(00857)$  has been part of strategic ventures into China, as well as Energy sector. In the short timeframe, it has displayed decent performance and hopefully 🤞🏼 crosses HK$10 mark in near future. 

$BANK OF CHINA(03988)$  has been among my first investment venture into China market and now forms the foundation of steady income stream to further expands investment in China. 😁

$OCBC Bank(O39.SI)$  has been a slow and steady contributor towards offsetting mortgage's interest and perhaps even principal over the years. In the upcoming future, it will shift into a different role - funding retirement lifestyle. 👍🏼😂

$Sembcorp Ind(U96.SI)$  has been the energy+industrial holding for SG market as part of portfolio diversification. Decent dividends enough to cover household water & electricity bills. 😁

Several stocks have been on an overvalued path (based on various indicators & flow in of foreign funds) since beginning of 2026, probably migration away from riskier markets to safer ones. Correction and/or revaluation is bound to come sooner or later. Keeping a clear mind and not be distracted by market noises/temptations is tough but fundamental towards good practice. 😁 

In short term, rise to new highs is inevitable. In mid-to-long term, correction will occur and should the foreign wealth migration eases, there’s likelihood of broader revaluation and hence a decline to realistic values.

While SG banks are making eyes-catching headlines, they are also entering the hyped-valuation zone (based on various attributes used in TA) and hence increased risks. One should ponder on sustainability of such hyped valuations, whether elements such as foreign hot funds flooding in due to loss of faith in other markets, are jacking up SG banks in unrealistic fashion. Flashbacks/Shadows of 1997/8 and 2007/8 crisis combined with Warren Buffet’s huge cash pile actions across 2025 perhaps offer alternative insight and strategies to better position for either directions of markets movement. 😁🤞🏼

OCBC has been my longest holding SG stock for approximately 4+ years after adjusting my strategies. I have adopted strategy of combination of dividend, growth and ride-the-waves for this OCBC stock. I believe that each market and stock should have its own strategy for optimal results inline with objective set.

$OCBC Bank(O39.SI)$  has been my longest holding SG stock for approximately 4+ years after adjusting my strategies. I have adopted strategy of combination of dividend, growth and ride-the-waves for this OCBC stock. I believe that each market and stock should have its own strategy for optimal results inline with objective set. 😁

$DBS(D05.SI)$ has just crossed $52 mark just as Israel bombed Qatar last night, making it 4th country after Syria, Lebanon and Iran, to be bombed by Israel. Are investors shifting their wealth to Singapore? 🤔

Just slightly short of mid-Q3, gains/returns have risen drastically from 6.25% posted on 1st July to now >12%, thanks to all the buys during Trump's tariff shock back in April. 🤣🤣🤣

$Tiger Brokers(TIGR)$ H1Y2025 has been pretty decent with 6+% gains/returns, esp April's tariff war contribution. 😁 Always having bullets set aside to capture sudden opportunities is crucial part of investment journey. 😝

$DBS Group Holdings(D05.SI)$  has presented good opportunity to existing holders to DCA and add up 💪🏼 while under S$40. For new investors, risk is higher 🤔 due to troubled global landscape hence growth for next 1-3 years may significantly slow. Nonetheless, DBS has plentiful of room to buy-back given approved but not yet utilised buyback quantum. 🫢