An economist by training, he believes in using market trends along with historical data to make an educated and informed decision. He advocates a customised consultative approach to managing his clients portfolio individually and catering to their specific needs at different stages of their life. A firm believer in making your investments work hard for u, Bernard is also a property investor with a healthy property portfolio. Walking the talk, he has divested his HDB into 2 private properties with an eye to further expand his portfolio.