What do you think of the Singapore market in 2019?

It can be good or tensed, depending on how governement will act.

Things are very dynamic rightnow considering Brexit and Mr. Trump's impulsive decisions.

As per regarding growth.

• Inflation will increas.

• Unemlpyment will decrease.

• GDP will increase .

• People will get smarter for their saving.

• Trade might get weak as we all know about trading war between China and Pakistan.

Things can change from 1st quarter to 4th quarter.

Well that all opinion of my people like me.

It won't be bad.

Definitely more unstable than 2018. Mainly focused on Trade wars and higher interest rate environment all around. what that means:

1. more people will choose to save
2. Retail investors taking less risk
3. Institutional investors also invest less
4. More companies may die
5. If at scale, may create a downturn

Well, that is what the word on the street currently is right now... but people don’t expect it to be as large as the 2008/09 crisis will be unless there are many hidden debt which is building up overtime.