The Recovery Time Card
1-page keeperOne page of honest numbers: every depth of loss mapped to the gain required to climb out. Keep it beside your trading app, and read it before your next "sure thing".
The honest math
Falling is fast. Recovering is the slow part.
Every investor meets this arithmetic eventually, usually at the worst possible moment. A 20% dip needs a 25% gain before you're whole again. A 50% loss needs a full 100%. And recoveries don't run on your schedule.
Down 10%
+11% to recover
Down 20%
+25% to recover
Down 30%
+43% to recover
Down 50%
+100% to recover
The deeper the fall, the steeper the ladder out. At 45, a five-year climb back isn't a statistic: it's the flat upgrade deferred, the university fund thinned, the retirement you planned quietly pushed back.
What lands in your WhatsApp
Three short, practical guides. Plain English, local examples, nothing to install.
Five Early Warning Signs
10-minute readThe quiet signals that tend to appear before bubbles pop. Euphoric headlines, money borrowed everywhere, and that famous phrase, "this time is different". Learn to check any stock, REIT or fund against them in ten minutes.
The Household Stress Test
fill-in sheetA gentle but pointed worksheet for you, and maybe your other half. What happens to our plan if markets drop 30% next year? Where's the cushion? What gets cut first? Better answered on a calm Tuesday than a panicked Thursday.
Why we write for the 35-and-up crowd
At 25, a crash looks like a discount sale. Somewhere past 35, it starts looking like a threat.
Your timeline loses its flexibility, and your portfolio begins carrying real weight: the flat, the kids' education, the parents' care, the number you quietly think of as "enough". Somewhere in there, protecting what you've built becomes as important as growing it. That's the reader we write for.
- You lived through 2008 or 2020, and you remember exactly how the falling numbers felt.
- You hold REITs, index funds or a few favourites, and you've wondered how exposed you truly are.
- You're done with hype. What you want now is a plan that lets you sleep soundly on Sunday nights.
The people behind Steady Harbour
We're a small, independent team of Singapore investors and educators: Serene Chua, Marcus Lim and Priya Nair. Between us, roughly forty years in and around markets, including the bruises of 2008 and the vertigo of 2020.
Since 2022 we've kept one simple rule: only teach what we'd want our own families to know. No hype, no hot tips, no get-rich-quick energy. Just steady, honest risk education, lesson after lesson.
"We can't promise you'll never lose money; nobody honest can. We can promise you'll never be blindsided."
1,900+Singapore learners
24lessons a year
S$0always free, no card
"The stress test sheet was uncomfortable in the best way. We finally had the money conversation we'd been putting off for years."
M.T. · 47 · Civil servant"I run the warning signs before buying anything now. My portfolio looks calmer than my colleagues', and I sleep better than all of them."
R.S. · 39 · NurseQuestions we hear a lot
Is this genuinely free, or "free"?
Genuinely. No credit card, no trial that quietly turns into a subscription, and no paid course hiding behind lesson three. The playbook and the lessons cost nothing, full stop. If we ever launch something paid, you'll hear about it loudly and clearly, not in fine print.
I'm not a numbers person. Will I keep up?
You're exactly who we write for. Everything arrives in plain English with local examples, in short lessons you can finish on the MRT. Our internal test: if your favourite auntie can't follow it, it gets rewritten.
Are you telling me to sell everything?
Not our place. We teach you to see your own risk clearly, and then the decisions stay with you. We're an education outfit, not advisers: we hold no licence from MAS to recommend securities, and nothing we send is a buy or sell call on anything.
What do you do with my number?
You message us first, and the chat stays between us: your risk check, then your lessons. No cold calls, no third parties, no "exclusive partner offers". Delete the chat whenever you like, and that's the end of it.
What happens after I tap the button?
WhatsApp opens with a short message already typed for you. Hit send, and our team replies with your portfolio risk check within minutes during working hours. No forms, no account, no waiting rooms.
Ready beats lucky.
The next mania is already forming somewhere. Get the playbook while things are calm.
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