The son of a fishmonger and homemaker, he grew up in a one-room rental HDB flat, and failed his A-levels twice before getting a place to study Biology at the National University of Singapore.
In 2008, Mr Chang started his company from the living room of his HDB flat. Today, he is a self-made millionaire with his own training centre in Singapore’s central business district.
Cayden is the Director and Founder Mind Kinesis Investments Pte Ltd and Value Investing Academy Pte Ltd which conduct Value Investing Programme, the first and only value investing training that is recommended and endorsed by Mary Buffett, the internationally acclaimed author and speaker of how billionaire Warren Buffett invests. His company also runs Value Investing Bootcamp and other investment related workshops in Singapore, Malaysia, Thailand , Japan and Cambodia.
“When I was much younger, I read a book titled “Multiple Streams of Income”. That changed my mindset totally. My biggest takeaway is no matter how hard we work in a job, a job cannot be sold but a business can be sold. That marked my journey into entrepreneurship and investing,” Cayden shared in his facebook account .
Cayden graduated with 3 degrees; a Bachelor of Science degree (Merit) degree, Bachelor of Science (Honours) degree and a Master of Science degree in E-Business from National University of Singapore. He has also been trained in value investing by Professor Bruce Greenwald in Columbia University, the institution where Warren Buffett met Professor Benjamin Graham, as well as by Professor George Athanassakos, the finance professor who holds the Ben Graham Chair in Value Investing at the Richard Ivey School of Business, University of Western Ontario. Combining the knowledge he acquired from the two professors, with more than 20 years of practical experiences he had in the stock market, CAYDEN founded Value investing Academy (VIA) and launched Value Investing Programme(VIP).
He has also received the Lifelong Learners Award 2008 from the Minister of Manpower on 18th Nov 2008, Mr Gan Kim Yong and he was featured in “TODAY” newspaper, “938Live Online News”, “938Live Radio Station”, “Mediacorp Xin.Sg” and “The Straits Times”. He was subsequently featured in “938Live Breakfast Club” Radio, “938Live Money Sense”, “Channel News Asia AM Live”,“Shareinvestment”, “The Edge”, & “The Exquisite” Magazine for sharing his secrets of financial success.
In July 2010, he was diagnosed with Renal Cancer. Despite having this disease, he continued with the launched of his 1st charity project in August 2010, where he has donated all of the sales proceeds of his book titled ‘Do You Have What It Takes to Be BOSS?’ to ‘The Straits Times School Pocket Money Fund’. This project was featured on “938Live Radio Station ‘The Living Room’” and “The Straits Times”. His fight with Renal Cancer was subsequently published in “The Straits Times ‘Mind Your Body’” and he was also interviewed on “938Live Radio Station ‘A Slice of Life’”. His life story was also being featured in a full-page article on “‘The Sunday Times” on 10th Jun 2012. In Sep 2014, he had a relapse of his cancer which was diagnosed to be Stage 4. He survived cancer for the second time and launched his second book titled “The Book of Hope” where proceeds were donated to Singapore Cord Blood Bank and National Cancer Centre.
He has spoken to more than 40,000 people and has spoken on the same stage as Sir Richard Branson, Les Brown, Nick Vuijicic, etc.
His mission in life is to use his investing and entrepreneur skills to set up a $1 million cancer research trust fund with his own money within the next 10 years.
The trust fund will be personally managed by him, with investment returns to be channelled to cancer research and palliative care.
His Passion
His 2nd book titled “The Book of Hope: One Man’s Journey Facing Cancer As A Young Husband, Father And Entrepreneur” is currently selling at all Kinokuniya book stores, and all his proceeds go to cancer research at National Cancer Centre. This book tells of his experiences with the disease, including watching his late mother battle terminal-stage lung cancer in 1997. He is currently working on launching his third book . It will be out by soon in major book stores in Japan. He plans to donate all my royalties away to a good cause in cancer in Japan.
His Investment Strategy
He started investing in his 20s . When he started working, he invested in stocks to make quick profits without understanding the fundamentals. He was mostly speculating, which eventually led to him losing $50,000 that was meant for his wedding.He started working two jobs, but still his salary was not going to be enough to pay back my wife, and earn what he had initially lost.
That was when he realised he needed to start investing again, but this time, prudently and conservatively.
He is a value investor who puts his money in the stock market using two main strategies.
First, his most basic strategy involves investing in low-cost index funds. He his a firm believer in the investment value of exchange-traded funds (ETFs), which have a low expense ratio. The only risk to such index funds is if the fund manager closes shop.Otherwise, ETFs are the safest bet if one invests a fixed amount on a regular basis in such funds.The best time to buy is during a market crisis.
Second, he also screen for stocks predominantly in the United States market, and evaluate if the companies are good or bad , studying fundamentals and growth trajectories. If they are good, he will estimate if they are undervalued or overvalued. If he finds the stock overvalued, he will just adopt a wait-and-watch attitude for the right time to buy.Otherwise, he will invest in the company if he truly understand the business model and fundamentals.
His value investing methodology also encourages selling US options based on companies with good fundamentals.
His portfolio is a seven-figure sum, 40 per cent of which is invested in my investing academy, as well as his Neuro-linguistic Programming Academy which teaches mental strategies for personal mastery and people mastery.
The rest of the portfolio comprises 5 per cent in liquid funds, 5 per cent in ETF investments and 50 per cent parked in stocks in the Singapore and US markets. These also give him passive income, predominately from dividends and options premiums. Any excess dividends will be allocated back to stock investments.
Apart from this, he own an HDB property in West Coast which is valued around $700,000. He keeps some cash for emergency and for new opportunities in case there is an economic crisis. He has invested in health insurance for his wife and 2 daughters aged seven and ten.
His latest projects include sponsoring Charity Trip: Investing In The Future Of The Orphans in Maesot – Thailand , Dec 2017.
Cayden has recently announced organizing Mind Kinesis’s upcoming Investify Symposium 2018, Singapore’s Largest Multi-Asset Symposium on 26th May 2018 where you “Learn How to Create Multiple Streams of Income” and meet Lauren Templeton over an Exclusive Lunch on 27th May 2018.
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