Welcome to “Unherd Investments”. The name of this website is partly inspired by how one of my favorite political websites – Unherd – uses the term “Unherd”. I take the term “Unherd” to mean the opposite of the “herd” or “herd mentality”. Thus, it’s about being unconstrained by consensus, conventional or establishment thinking. (Note: this website is of course unaffiliated with “Unherd”).

“Unherd” is politically moderate or perhaps leaning slightly center-right. I would consider myself “left” of center and so I may not agree with many things published there. However, I am also a firm believer in being open to all sorts of opinions and perspectives and in not staying in one’s own silo – political or whatever. Too much “political correctness” and conformity to conventional perspectives is not good for society as a whole, nor is it good for one’s own personal development. So even as someone politically progressive, I can greatly admire what “Unherd” stands for, without needing to agree with every opinion mentioned there.

I think in life it’s very important to hear from as many perspectives as you can on anything. When you do that, you’ll probably start to realize there is good and bad in almost every group or belief. You start to realize life is grey, not black or white. The world of ideas, the world we live in and human beings – all are too complex for us to understand fully. Yet to sound knowledgeable and authoritative, we take dogmatic positions on various things that we truly do not have much knowledge about. We read a few articles on a subject or controversy, and we think we know everything about that topic…

So why this website? As you may be able to tell, I’m passionate about politics and have been following global and American politics closely for 25+ years. I’m also passionate about theology. But this website isn’t about politics or theology. It’s about financial investing and trading – something I have considerably less experience with.

Because of this, on the one hand, take everything I say here with a grain of salt – as you should do so for everything you hear or read from anybody in this world. Use your brains, form your own opinions and make your own decisions. Don’t just trust anything being written here.

On the other hand, I do think that my life journey has something to offer. I tend to see some things differently from people around me and so maybe I could offer a fresh perspective. I see no point in starting a website if I have absolutely nothing to add to the conversation and if what I’m going to write here is the same as what you’d find elsewhere.

I think my years of being involved in fields that have extremely polarizing opinions (politics, theology, etc.) – and intentionally being open to all the different sides – have helped me to form a lot of non-siloed opinions that are neither dogmatically conventional nor stridently contrarian. And I bring some of this way of thinking into the financial field, and hopefully that will be helpful to people.

The financial investment and trading industries (and MLM and even Personal Development, etc.) are full of hype and scams – online, especially. These days, most industries online have learned a lot from the Online Marketing industry in the way they sell their products and services. I’ve been heavily involved in online marketing for around 15 years. And in this niche you’ll find so much hype, overpromising and under-delivering. The principles of Copywriting is there to persuade people to purchase products and services, using urgency, scarcity, FOMO, overstating of results and a lot of (subtle) deception in many cases. The truth is that copywriting (persuasive) principles work. It gets people to buy your products and services. Not applying such principles would most likely result in fewer sales. I myself have fallen for such tactics.

So I bring my experience in these various fields to bear on the way I approach and evaluate financial investment and trading – and especially products and services I’m interested in. I am not an expert in the financial field; I am more of an outsider. And I don’t plan to specialize in the financial and investing industry because I see money as purely a means to an end. I’m passionate about many other things in life that I consider more meaningful. Meaning and purpose in life is extremely important to me. Why is my purpose on this earth? Surely not to accumulate wealth and riches for me to enjoy. Increasing my wealth is just a means to give me more time and freedom to pursue my other more meaningful interests.

I really only started becoming interested in investing during the Pandemic (2020). One reason is that I realized I had a lot of cash sitting around that was earning hardly anything in the bank. I never thought of investing in the stock market before because I had this lingering impression that my father and sister lost money in the Global Financial Crisis of 2008. So I guess I never really entertained stock market investing because subconsciously I believed – not a really informed one – that such investments are really risky.

Even though I hadn’t invested money in the stock market before 2020, I did experience financial failures in other areas. Before the Pandemic, I invested in at least 3 areas that cost me a lot of money: retail forex trading, an unconventional property investment and an internet-based Ponzi scheme. Even from 2020 onwards, my stock market investments turned negative during the 2022/2023 downturn. During those years, I learned not to panic (by not constantly looking at my brokerage platform and noticing my unrealized losses), and right now in the middle of 2025, my account is thankfully very much in the green. And this in spite of not really picking that great stocks from 2020 onwards and purchasing a lot of speculative stocks due to various financial YouTube “influencers”. I have learned from my mistakes and I keep learning. The experience of going through the 2022/2023 downturn helped me during the Liberation Day Crash in early April 2025. Even though the stock market crashed 10% to 15%, I kept buying good stocks at its lowest point because I knew things would return back to normal – I had already gone through 2022 and 2023.

Right now, in the middle of 2025, I feel that I more or less have a decent grasp of stock market investment. I am not a pro by any means, but I also know that I have limited time and I’d rather spend my time learning something else that would further help me financially. Long-term investment is great, but it can only bring you so much returns consistently. I would always be doing long-term value investing, but I wanted to spend a portion of my capital to try and get higher returns. And yes, aiming for higher returns of course comes with greater risk. There’s no such thing as a free lunch. The 3 ways I lost money above attracted me due to the promise of much higher returns. The higher returns you aim for, the more caution you ought to take as you know it’s going to come with risk. There’s nothing wrong with taking risks – just take calculated risks and only put in a fraction of your capital/wealth. Put more in if you want. Just be willing to lose most or all of it. – and not complain if that happens.

So anyway, knowing the above, I have recently moved into Options Trading and also some Speculative Bot Trading. Options Trading is slightly riskier than long-term value investing. I’ve done a lot of research into many programs and courses online and I hope to share a bit of my journey and results here – including my experience with various paid courses and signal groups. As for Bot or Algorithmic Trading, it’s even riskier and more speculative. I’m not averse to putting money into such high-risk speculative schemes, but I go in putting in only a small percentage of what I have and with the foreknowledge that I could lose it all.

This is of course my journey. Everyone has different risk tolerances. It’s for everyone to decide for themselves what to do with one’s money and how much risk you want to take.

As should be known, the content on this website is for informational and educational purposes only and do not constitute financial advice. Always consult with a qualified financial adviser before making financial decisions.

I’m just here to share my journey and experiences and perspectives, which, at times, may be “unherd” or unconventional views.

Cheers!

PS: To be honest, I think what I will be sharing here is just plain common sense and quite objective. But anyway…