January 2020 CBA Newsletter issue -
5G: The faster speeds that was promised and what of it now

February 2020 issue -
[CBA Newsflash] 

Amidst the panic due to the coronavirus, many of us may be hoping for a vaccine that can solve the issue. But will we be seeing that anytime soon?

One may expect this to be a very lucrative opportunity for big pharmaceutical firms to jump on, though in reality this may not be the case. This is due to the countless colossal obstacles pharmaceutical firms face to get medicine from development to gaining approval. 

This ranges from R&D costs, huge risks of failure and the long time it takes to develop and get it approved. 

So what are the chances of a firm finding a vaccine? For further reading head to: https://www.bbc.com/news/business-51454859

With everyone's sudden attention to relevant medical developments due to the coronavirus outbreak, how many of us understand the obstacles faced in the pharmaceutical industry?

Here is a general picture of what the industry is like and the challenges firms face.

February 2020 CBA Newsletter issue -

The economical impact of the coronavirus... And the HK government's HKD $120 billion relief measure  

March 2020 issue -

[CBA Newsflash] 

Living a healthy lifestyle has become a growing concern in the past years, and this is especially the case with the current outbreak. So, what role can technology play in the fight against our current outbreak?

There have been news lately of organizations utilizing AI to aid the development of preventative or diagnostic measures, such as the molecular biotech company Seegene’s use of AI to create a coronavirus test kit in three weeks.

Google’s DeepMind division also used its latest AI algorithms and its computing power to understand the proteins that might make up the virus and published the findings to help others develop treatments.

So how else is technology helping us to fight the outbreak? For further reading head to: https://bit.ly/33svRQ9

We all know that technology is everywhere, in our daily lives and also in the business field, but how much do we know about it’s application in the healthcare industry?

Here is a general picture of how some technology is applied in the healthcare industry.Here is a general picture of what the industry is like and the challenges firms face.

March 2020 CBA Newsletter issue -

Supercomputers are now being used to speed up research to tackle coronavirus 

April 2020 issue -

[CBA Newsflash] 

With the pandemic causing social distancing to become a norm, we have all seen an increase of the use of video conferencing solutions across the globe. It has helped to continue interactions, learning and business operations. Though with this new form of interaction, has brought along a new neology: “Zoombombing”

Thankfully this form of harassment hasn’t occurred in UST yet, it has terrorized other online classrooms and open meetings in other parts of the world. The method of harassment varies from gross images to neo-Nazi material and racial slurs being shared.

Furthermore, Zoom is also under scrutiny for other various privacy issues such as leaked login credentials and data being routed through China.

So how severe are the flaws of zoom, and how can you minimize the effects? For further reading head to:

April 2020 CBA Newsletter issue -

Gloomy outlook for the economy may be persistent for
quite a while

May 2020 issue -

[CBA Newsflash] 

Despite the uncertain circumstances we are in, there are those who are still optimistic and have faith in the market. We are seeing a recovery in the market despite businesses have been greatly affected with no certainty of recovering back to normal any time soon.

Mark Cuban, among a few others, have openly criticized the market’s rally from the coronavirus-driven lows recently. He believes the stock market is overvalued, based on the uncertainty of consumer spending in this new business environment dynamic. Because of such unpredictable consumer and corporate demand, it is harder to put a finger on the valuation of businesses.

We are currently on a rollercoaster ride, where valuations are based on our faith in the development of vaccines and our community’s efforts to recover from the public health crisis.

So to what extent may the market be overvalued and what about companies like Amazon? For further reading check out David Tepper’s opinion on the valuation of the market at:

May 2020 CBA Newsletter issue -

Working culture to change for good?

June 2020 issue -

[CBA Newsflash] 

As semester and school terms end, now is the time for travelling for many students. Or was. Because of the pandemic, we’ve all been let down and was forced to throwaway our tourism plans. This isn’t such a big deal to students, but it is a cause for concern for certain Asian economies that rely on tourism.

For example, Thailand’s tourism sector accounted for 18% of its GDP last year. That figure will drop to 6% this year, said Tourism Minister Phiphat Ratchakitprakarn in an interview. Thailand’s total tourism revenue is forecast to go down 59% from last year.

Thailand’s tourism-revival strategy is to target big spenders seeking privacy and social distancing in the Covid-19 era, rather than try to attract a large number of visitors. The country plans to court such “high-end visitors” possibly during the winter months of November-February when European and American travelers seek out warmer climates, Phiphat said.

So how else is the pandemic going to change tourism for Thailand and other Asian countries? For further reading head to (link in bio):


Most of us are probably upset about the pandemic, especially during what was supposed to be summer tourism season. But it is much worse for those whose livelihoods depend on tourism consumption.

Here is a broad snippet of the tourism sector in the pre-pandemic and post-pandemic world.

June 2020 CBA Newsletter issue -

Tourism Bouncing back?

July 2020 issue -

[CBA Newsflash] 

During the pandemic, it has been clear that retail and tourism has been hit the hardest, due to its need for physical customers. As we constantly dip in and out between lockdown/quarantine measures and opening the economy, the future of the economy has never been so unclear. Yet with this uncertainty we have been seeing tech stocks soaring into the sky, some even breaking records.

Sure, we are aware that some of these tech stocks are impervious to the limiting of physical interactions, but some still believe this phenomenon is irrational. “The economy is grinding, slowing down … yet the tech market makes new highs every day. That’s a classic speculative bubble,” says Mike Novogratz, an ex-hedge fund manager, formerly of the investment firm Fortress Investment Group.

So what sort of mentality should we have when looking at our current market? Is it truly a bubble?

For further reading, head to (link in bio):


We’ve been seeing some new highs for certain tech companies, but some are considering this irrational, and even bubble-like.

Here are some warning signs of a bubble and also insights as to whether this may be a bubble or not.

July 2020 CBA Newsletter issue -

Welfare during a pandemic

August 2020 issue -

[CBA Newsflash] 

With the extra free time on our hands, and an extra HKD$10,000, many of us has turned to retail trading. Retail investors have accounted for as much as 25% of the stock market's activity amid coronavirus-driven volatility, and nearly one-quarter of trades on peak days, Joe Mecane, the head of execution services at Citadel Securities, said in an interview on Bloomberg TV. Compared to the 10% figure in 2019, they may be a significant force now, but retail investors still won’t be able to drive valuation levels on their own, Mecane said.

This uptick in retail investors reflects an increase in retail investors' knowledge and access to complex investment products, Mecane said. Much of the new trading activity is concentrated in options contracts, and we’ve also seen these retail investors “expand into more complex order types.”

So what sort of mentality should we have when looking at our current market? Is it truly a bubble?

For further reading, head to (link in bio):


What’s retail trading looking like, with it’s popularity growing amidst this pandemic?

Here is a broad snippet of retail trading and how it compares with institutional investors.

August 2020 CBA Newsletter issue -

Everyone is a trader nowadays

September 2020 issue -

[CBA Newsflash] 

The pandemic and US elections have led to increased uncertainty in the market. We have been witnessing a roller coaster market for the past months and this roller coaster may not stop any time soon. For some it has become the golden opportunity to start investing, by a simple maneuver called “buying the dip”. But for others it has been a nightmare, especially if they were late to the game.

One thing to note for many retail traders, especially beginners, is to keep your emotions in control. Too often do we see those around us act impulsively, whether it be a reaction to trends and recent news or sudden changes that makes us excited or fearful. At the end of the day, we are all human, and these mistakes are not restricted to only rookies. Even well-seasoned advisors and investors alike are susceptible to such human errors.

So, what does behavioral finance have to say about investing with our emotions, and what are some common mistakes we as humans make in investing? For further reading head to (link in bio):


September 2020 CBA Newsletter issue -

Fintech, Everyone's heard of it but does anyone believe in it?


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