The short version. This is my personal site. Everything on it is free, published in good faith, and offered as is.
The calculators, the trading simulator, and everything I have written about markets and property are not professional advice. I am not a licensed financial adviser and nothing here is a recommendation to buy or sell anything. Your money and your decisions remain yours.
Use the site, enjoy the tools, take nothing here as a substitute for advice from someone qualified and paid to give it.
By using kevinchia.sg you accept these terms. If you do not accept them, that is entirely fine — please just stop using the site.
The site is run by Kevin Chia, an individual in Singapore. Throughout this page, "I" and "me" mean him, and "you" means you.
A personal website. It holds writing, a record of things I have built, some free tools, and a description of consultancy work I take on.
Nothing here is sold. The tools are free, the writing is free, and there is no subscription. Pages under /one/ are a private dashboard for my own use and are not part of what is offered to you.
I am not a licensed financial adviser, broker, or dealer, and I am not registered with the Monetary Authority of Singapore or any other regulator to give financial advice.
Anything I write about options, the wheel strategy, brokerage accounts, portfolio construction, retirement, or net worth is a description of what I personally did. It is not a recommendation, not a solicitation, and not advice for your situation. I do not know your finances, your obligations, or your tolerance for loss.
Options trading can lose you more than you put in. Past results — mine or anyone's — predict nothing. Speak to a licensed adviser before you act.
The wheel simulator uses invented price data, simplified option pricing, and fixed weekly outcomes. It exists to teach the shape of a strategy. It is not a backtest, not a forecast, and not a model of any real security. Any resemblance to how a real position would have performed is coincidence.
These are offered for interest and self-reflection. Bazi and Human Design are traditional and esoteric systems, not science, and the results are not fact about you or anyone else.
Do not use them to make decisions about health, medicine, law, money, relationships, or hiring. If something in a reading worries you, speak to a professional in that field rather than acting on a chart.
I am not a licensed property agent and I do not hold a CEA licence. What I have written about my own purchases, BTOs, and financing describes my transactions and my reasoning at the time. Rules, grants, loan limits, and cooling measures change, and mine may be out of date by the time you read them. Verify anything that matters with HDB, your bank, or a licensed agent.
Pages describing consultancy work are a description of a service, not an offer capable of acceptance and not a contract. Any actual engagement is agreed separately and in writing.
The site and its tools are provided as is, with no warranty of any kind. I do not promise the site will be available, that calculations will be correct, that content is current, or that anything is free of errors.
Calculations depend on third-party astronomical and calendar libraries and on data you type in. A wrong birth time gives a wrong chart, and the tool has no way of knowing.
To the fullest extent the law allows, I am not liable for any loss or damage arising from your use of this site or anything you did because of it. That includes trading losses, investment losses, property decisions, lost profits, lost data, and business interruption.
Nothing here limits liability that cannot be limited by law, including for fraud or for death or personal injury caused by negligence.
Read it, use the tools, share links, quote me with attribution. Please do not:
I may block access if any of that happens. There is no appeals process; it is a personal website.
If you submit a testimonial, you confirm it is your genuine opinion and your own words.
You give me permission to publish it on this site, to edit it lightly for length, spelling, or clarity without changing its meaning, and to decline to publish it at all. Nothing appears publicly until I approve it.
You keep ownership of what you wrote. Ask me to take it down and I will.
The writing, design, code, and images on this site are mine unless stated otherwise. You may quote and link with attribution. You may not republish substantial portions or present the work as yours.
The memory lane archive preserves the original kevinchia.sg from around 2007 to 2010. It is kept as a historical record and is deliberately unmaintained — nothing in it should be treated as current.
Third-party names and trademarks belong to their owners. Mentioning a company or a ticker implies no relationship with it.
Links to other sites are for convenience. I do not control them and I am not responsible for what they contain or do.
What the site collects, and how to have it removed, is set out in the privacy policy. It forms part of these terms.
I may change these terms or any part of the site at any time, including removing tools. Material changes move the date at the top. Continuing to use the site means you accept the version then published.
These terms are governed by the laws of Singapore, and the Singapore courts have exclusive jurisdiction over any dispute arising from them.
If any part of these terms turns out to be unenforceable, the rest continues to apply.
Kevin Chia — Singapore
[email protected]
@kevinchia.sg on Instagram
The email address moves to [email protected] in 2027. Mail to the old address will keep reaching me.