Hi, I’m Cayden Chang from VIA, the Value Investing Academy.

Thank you so much for patiently watching all the videos I’ve sent you—I truly hope you’ve picked up a lot from them!

Now, just so you know, this will be the last video in this series. So let’s do a quick recap of what we’ve covered.

In my first article, I shared why the richest people in the world are business owners—not employees. So if we want to build real wealth, we need to start thinking like business owners.

Next, we talked about focusing on the right kind of assets—those that generate passive income, rather than assets that don’t produce any income at all. Because once your passive income exceeds your expenses, that’s when you can become financially free. And even better, you can reinvest that income to grow even wealthier over time.

Then, I introduced one very special asset class—ETFs or Exchange Traded Funds. These are powerful because the income they generate in just one year can far exceed what your friends might earn in eight years with traditional methods!

We also looked at some real examples of index funds—like the STI ETF, the S&P 500, the Nikkei 225, and the Hang Seng Index. I explained why you need to invest in them and how to get started.

But of course, some people might still be wondering:

“Cayden, is there a way to generate even more than 8% per year?”

Let’s do a quick comparison.

If your friend parks money in a bank and earns 1% per year, but you’re earning 8% per year—that’s 8 times more! So how can we go beyond that?

Let’s look at different types of passive income:

1. Bank interest - around 1% per year
2. Singapore Savings Bonds - 1.5% to 2%
3. CPF - 2.5% in your Ordinary Account, and 4% in the Special Account
4. REITS - Real Estate Investment Trusts can give you anywhere from 5% to even 9-10% per year!
5. ETFs - For example, the S&P500 gives an average of around 9% per year.
6. Stocks or businesses - Done right, you could potentially earn 10% or more per year.
   

Now, here’s the exciting part…

If you want to start investing in stocks, let me show you how simple it can be. I call it the ABC method:

A – Assess

You must assess whether a business is good or bad. If you invest in a bad business, you’re not going to earn 10%—you might lose everything.

B – Buy

Once you find a good business, you want to buy it at a cheap price. In Singapore, we love "cheap and good" right? Same principle here.

C – Cash out

When the stock goes up and the business becomes expensive, it’s time to cash out and realize your gains.

So:
Assess the business,
Buy it cheap,
Cash out when it’s high.

Now let me ask you a very important question:

Why is it so crucial to invest in good businesses?

Because most people lose money simply because they can’t tell the difference between a good and bad business.

In the Singapore Stock Exchange, there are around 780 companies—most of them, honestly, are not great. Same with the U.S. market—over 3,600 companies, but maybe only 50 are really solid.

So, if you invest without knowledge, chances are... you’re buying into the wrong ones.

Now, let me clear up one more big misconception:

A lot of people think stocks and businesses are the same. They’re not.

Behind every stock is a real business.

If you own Starbucks stock, you’re investing in the real Starbucks business that sells coffee on the streets. So if the business makes money, what happens to the stock price? It goes up.

But if the business loses money or closes down? The stock price will crash.

So here’s the key question:

Does the stock price go up first, or does the business make money first?

Take a moment to think.

The answer?
The business makes money first, then the share price goes up.

So instead of staring at stock prices all day hoping they go up, why not focus on finding good businesses?

People who analyze businesses—we call them investors.
People who focus only on stock prices—we call them speculators.

Now think about this:

• Bill Gates - does he focus on businesses or stock prices?
• Li-Ka-Shing - the richest man in Hong Kong - business or stock prices?
• Even Jack Ma - does he look at the Alibaba stock price all day, or does he focus on the business?
  

Clearly, all of them focus on businesses.

So, if the wealthiest people in the world are doing that, why aren’t we?

In my upcoming FREE Value Investing MasterClass, I’ll share with you exactly how to:

✅ Assess good businesses using a simple tool called the ViA Funnel (takes only 2 minutes)

✅ Find undervalued stocks with our ViA Calculator (another 2 minutes)

✅ Generate consistent income with our proprietary CFOS method, which can help you earn monthly or even weekly income

👉Click here to register for my upcoming Value Investing MasterClass.

Imagine being able to earn income every single week—that's 52 times a year!

So before I go, do check out the link below this video or inside your email. Click it and you’ll be taken to a page where you can join me live, face to face, in just a few days.

I’ll walk you through, step-by-step, how to generate passive income that could even beat ETFs—using a method as simple as A, B, C.

This is Cayden Chang from VIA, and I sincerely hope to see you very, very soon.

Take care—and goodbye!