As 2025 comes to a close, you are probably seeing the usual flood of predictions, “hot stock” ideas and get-rich-quick promises popping up everywhere.

• Rule Number 1: Never Lose Money
• Rule Number 2: Never Forget Rule Number 1

So in this year-end message, instead of shouting about the next big thing, I want to do two simple things with you:

1. Celebrate a few important milestones from 2025 that were only possible because people like you decided to invest in your own financial education.
2. Give you clear next steps to deepen your value investing skills so that 2026 becomes a year of intentional, intelligent investing for you.
   

Stay with me until the end. There is something very important I want you to remember the next time markets become noisy.

• "How can I avoid permanent loss of capital?"
• "How can I read financial statements with more confidence?"
• "How can I become less emotional and more rational when markets move?"

This year, I was recognised as an Honouree of the Spirit of Enterprise (SOE) Award.

• What kind of impact do I want to leave?
• How can I use my pain to serve others?
• If I get a second chance, what will I do differently?
  

• Spirit of Enterprise for the nomination and recognition
• Past and current graduates who trusted me with their time, money, and attention
• My staff who stood firm even in the toughest seasons

• How a personal crisis shaped the way I think about risk and safety in investing
• Why I believe anyone, including you, can learn to invest wisely with the right framework
• How those early lessons became the foundation of the programmes you see today

Another key milestone in 2025:

My TikTok channel crossed more than 130,000 followers!

I am very aware that TikTok is not what most people associate with serious investing. That is exactly why I decided to show up there.

Many beginners feel that investing is:

• Too technical and complicated
• Too full of jargon
• Only for 'finance' or 'economics' people
  

• Short explanations of key concepts like intrinsic value, margin of safety and moats
• Simple breakdowns of business models so you can see companies as businesses, not just stock symbols
• Quick reminders on emotional discipline so you avoid chasing price and focus on value

• Learn one idea at a time that you can immediately apply
• Slowly build a mental 'library' of investing principles without feeling overwhelmed
• Start seeing that value investing is not mysterious, it is methodical
  

To me, one of the most meaningful milestones in 2025 was concluding ViA88, the final batch of the Value Investing Programme before we close the year 2025!

Value Investing Programme is designed for one clear purpose:

• Giving you structure so you do not jump from video to video or article to article feeling more confused each time
• Teaching you a proven framework to evaluate companies based on fundamentals, not feelings
• Helping you avoid costly mistakes that many beginners make when they try to “DIY” their learning

• "I am scared of losing money, so I keep delaying starting."
• "I tried to read annual reports, but I gave up halfway"
• "I do not know how to tell if a stock is overpriced or undervalued"

• You do not need to be "talented" in math
• You do not need a finance degree
• You do not need a big capital to start learning
  

• A step-by-step system
• Guidance to avoid blind spots
• A community of people who believe in long term value, not quick speculation

• My bestselling 'Value Investing Simplified Physical Book (worth $33)
• A Grab Gift Card ($10)
• And if you bring a friend - receive an additional $20 NTUC Vouchers and $10 Starbucks Gift Card for yourself. Plus your friend will receive a copy of 'Value Investing Simplified' and a $10 Grab Gift Card!
  

• Discover the core principles behind Value Investing in plain english
• See real case studies that show how to assess businesses logically
• Understand how to think about risk and reward so you can sleep peacefully at night
  

If you are already investing, your challenges are slightly different.

You might be asking:

• "How do I sharpen my analysis so I can separate great companies from 'average' ones?"
• "How can I avoid overpaying for quality stocks?"
• "How do I upgrade from 'buy and hope' to a clear, repeatable, process?"

• How to navigate market uncertainty amidst geopolitical tensions and market uncertainty
• How can all-weather portfolio can help you stay calm and thrive no matter the market direction
• How Cash-Flow Options Strategies (CFOS), modelled after Warren Buffett's principles of Value Investing can help you cope with market uncertainty
• How ViA Atlas Intrinsic Value (IV) Directory can help you strengthen your portfolio and streamline your decision-making process
• Actionable & Duplicable Step-By-Step Value Investing Framework on identifying high-quality resilient companies

• The  Spirit of Enterprise Award
• 130,000+ followers on tiktok
• The 88th batch of the Value Investing Programme

• The award affirms that you are learning from someone who has been tested not only in business, but in life. That matters because investing is not just numbers, it is mindset and resilience.
• TikTok represents accessible, daily lessons that meet you where you are. Even if you are busy. Even if you are just starting.
• ViA88 represents 88 batches of trained investors over the last 15 year, and a mature, battle-tested curriculum that has helped many students gain clarity in a structured way.

• Stories you can learn from
• Content you can consume at your own pace
• Programmes and webinars you can attend when you are ready
  

• Did you rely on tips or on your own analysis?
• Did you feel calm or anxious when markets moved?
• Did you have a clear process to make informed decisions? Or were you making wild uninformed guesses?
  

1. What is one skills you want to build?
   For example: reading financial statements, valuin g companies, or understanding business models
2. What is one mistake you want to stop repeating?
   For example: chasing prices, over-concentrating, or selling too quickly.
3. What is one concrete action you can take in the next 7 days?
   For example:

• Follow me on Tiktok and learn one principle a day
• Register for the free MasterClass and build fundamentals in investing
• Register for my upcoming webinar and take your investing to the next level
• Register for a free ViA Atlas account and get free value investing educational resources to kick start your investing journey

As you continue with ViA Atlas and Value Investing Academy resources into 2026, here are three promises I aim to keep for you.

1. Focus on value, not noise
   You will not see “hot stock tips” or get rich quick promises. Instead, you will see principles, case studies and frameworks that help you think for yourself.
   
   Benefit to you: You build conviction based on understanding, not on hope.
   
2. Respect for your time and attention
   Every piece of content, whether on viaatlas.com, Tiktok, or in a programme, is designed to be clear and practical.
   
   Benefit to you: You spend less time feeling overwhemed, and more time applying what you learn.
3. Always grounded in real life
   What I share will be grounded in real life experiences, and not hype.
   
   Benefit to you: You develop emotional resilience along with technical skill. That is what helps you stay the course when others panic.