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In his long-awaited first book, Goh Yang Chye, one of the pioneering leaders of financial planning in Singapore, debunks several misconceptions and unveils scientifically-proven realities about investing that have been kept hidden for far too long: why do investors keep losing money? what are the factors that drive investment returns? how should we react in a market crisis? how do you build a better portfolio? how do we protect ourselves from being cheated? does everyone need a financial adviser? From understanding market cycles to knowing what to ask your financial adviser, this book will teach you that investing - and securing your financial future - is not as complicated as it seems.