Tomas Ng

Tomas Ng

Wealth Risk Specialist | Investment Educator

MA in Finance, FRM certified, took mass communication courses. Develops risk models for retail banking at a regional bank. Writes Mingda on Risk column for Yicai Media. Runs YouTube channel Margin of Safety using TV drama clips to explain investment risks.

Latest Articles

Why Can't I Suddenly Buy Hong Kong Stocks or U.S. Stocks? First Distinguish Between Rule Restrictions and Account Anomalies
Why Can't I Suddenly Buy Hong Kong Stocks or U.S. Stocks? First Distinguish Between Rule Restrictions and Account Anomalies
You could buy Hong Kong stocks or U.S. stocks yesterday, but today you suddenly cannot place an order.
How to Judge Whether a Stock Account Opening Platform Is Reliable? 2026 Safety Checklist
How to Judge Whether a Stock Account Opening Platform Is Reliable? 2026 Safety Checklist
If you are comparing Hong Kong stock or US stock account opening platforms, the most common mistake is not “choosing the more expensive one,” but mistaking “able to open an account” for “worth opening an account.” What truly determines whether a platform is reliable is usually not advertisements, commissions, or account opening links, but whether you can find regulatory information, understand the review logic, confirm the safety of assets and documents, and anticipate whether subsequent funding and withdrawal will be smooth.
How to Choose a US Stock Deposit Method: Wire Transfer, ACH, and Digital Currency Bridging — Who Is Each Suitable For?
How to Choose a US Stock Deposit Method: Wire Transfer, ACH, and Digital Currency Bridging — Who Is Each Suitable For?
For Chinese users, wire transfer, ACH, and digital currency bridging all seem to be “transferring money into the broker,” but the underlying account conditions, fee structures, arrival rhythms, and review difficulties are different. Mainstream platforms like Charles Schwab International and Interactive Brokers still mainly use wire transfer, ACH, checks, or account transfers as official funding entries.
Avoid Pig Butchering Scams and Unregulated Exchanges: Choose SEC-Regulated Underlying Asset Trading Channels
Avoid Pig Butchering Scams and Unregulated Exchanges: Choose SEC-Regulated Underlying Asset Trading Channels
Stay away from pig butchering scams by selecting SEC-regulated compliant trading channels, avoiding risks from rogue exchanges, protecting your funds, and achieving steady asset growth.
After the Crypto Market's Explosive Bull Run: How to Safely Settle High-Position Cash-Out Funds into U.S. Blue-Chip Stocks?
After the Crypto Market's Explosive Bull Run: How to Safely Settle High-Position Cash-Out Funds into U.S. Blue-Chip Stocks?
After the crypto market's explosive bull run, how to compliantly transfer high-position cashed-out funds into U.S. blue-chip stocks? This article details safe transfers, diversified allocation, and risk control to achieve stable asset settlement.
Staying Rational Amid the AI Surge: Respect the Market, Respect the Rules, and Firmly Retain Ultimate Control Over Your Assets
Staying Rational Amid the AI Surge: Respect the Market, Respect the Rules, and Firmly Retain Ultimate Control Over Your Assets
In the era of explosive AI growth, maintaining rationality is crucial. Respect the market and rules, firmly hold control over your assets, and help yourself steadily navigate the opportunities and risks brought by AI.
AI Era Anti-Fraud Guide: Why You Must Never Let OpenClaw Directly Read Your Primary Bank Card Information
AI Era Anti-Fraud Guide: Why You Must Never Let OpenClaw Directly Read Your Primary Bank Card Information
Anti-fraud guide reminder: Allowing OpenClaw to read primary bank card information can lead to irreversible data leakage and fraud risks. Always authorize only necessary information to protect your funds.
In-Depth Reveal: How Are Wall Street Institutions Secretly Positioning in the AI Industry Chain Using Digital Assets?
In-Depth Reveal: How Are Wall Street Institutions Secretly Positioning in the AI Industry Chain Using Digital Assets?
Wall Street institutions are quietly and efficiently positioning in the AI industry chain through digital assets, blockchain funds, and DeFi tools, improving investment transparency and efficiency while driving technological innovation.
Personal Data Sovereignty: How to Prevent Locally Deployed AI Models from Uploading Your Financial Transactions to the Cloud?
Personal Data Sovereignty: How to Prevent Locally Deployed AI Models from Uploading Your Financial Transactions to the Cloud?
Personal data sovereignty ensures the security of financial transaction data in local AI models. Network isolation, access control, and encryption prevent sensitive data from being uploaded to the cloud, reducing the risk of leakage.
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