Archives

We have just come through a genuinely good decade for equities. Markets have climbed, corrections have come and gone quickly, and property prices in Singapore have largely rewarded anyone who [...]

I was recently at a conference in the United States, listening to Dr Joe Coughlin, the founder and director of the MIT AgeLab. He paused mid-presentation and asked the room a question that was [...]

Legacy Insights is a new podcast series by Providend that explores what it truly takes to plan a meaningful and lasting legacy, beyond just writing a will, or engaging with a corporate trustee. [...]

One morning recently, while I was having breakfast at a hawker centre near my office, an insurance agent approached me and asked whether I had planned for my retirement. I told him politely that [...]

I am 56 this year. If all goes to plan, Providend should have a new management team in another five to seven years. It is a thought I hold with both anticipation and unease. For most of my [...]

Legacy Insights is a new podcast series by Providend that explores what it truly takes to plan a meaningful and lasting legacy, beyond just writing a will, or engaging with a corporate trustee. [...]

In the past month, since Finance Minister and Prime Minister Lawrence Wong announced the launch of the Lifetime Retirement Investment Scheme (LRIS) in 2028, there has been considerable discussion [...]

In the past year, gold has captured headlines as one of the standout performers among global asset classes. After trading for much of the past decade below previous record highs, gold prices [...]

In a short span of just six years, we have been reminded of how fragile global stability can be. It began with the Covid-19 pandemic in Wuhan in December 2019, which disrupted supply chains and [...]

每到圣诞节，脑海里常会浮现许多熟悉的画面：圣诞树、雪人、烤火鸡、槲寄生、圣诞树干蛋糕，还有坐在雪橇上、由十二只驯鹿拉着的圣诞老公公（这些其实在圣经里一项也没有）。但无论是在购物中心或街头看到多少这些元素，它们都不是圣诞节的核心意义。 圣诞节是纪念耶稣基督的诞生。对基督徒来说，这是神道成肉身、降世为人的时刻。 [...]

As investors, we spend a great deal of time measuring returns. We track markets daily, analyse charts, and compare our investment performance against benchmarks. And when the year comes to a [...]

我经常前往中国，与各类金融机构交流，并分享在当今市场中应如何提供理财建议。在最近一次前往广州的行程中，我有机会与多家金融机构交流，同时也与政府官员进行了会面。  有趣的是，我抵达的当天，中国股市大幅上涨，受到政府财政刺激政策的推动。由于中国市场经历了三年的低迷，金融机构忙于为不想错过这波反弹的投资者执行交易，大家都认为市场反弹终于来了。  [...]

Welcome to the final episode of our miniseries on Finding Your Ikigai, where we invite a series of guests to explore what it truly means to live a good life, incorporating the concept of Ikigai [...]

Over the past few years, we have experienced an increasing number of requests to set up trusts for families as part of their legacy and estate plan. This is largely due to a greater awareness of [...]

My wife and I, together with some friends, just came back from a two-week vacation in Hokkaido and had the opportunity to stay at the Higashiyama Niseko Village, a Ritz-Carlton Reserve. The [...]

In September this year, a Straits Times report highlighted that while sales of investment-linked policies (ILPs) grew by 72% from 2022 to 2024, complaints against them are also at an all-time [...]

Welcome to the sixth episode of our miniseries on Finding Your Ikigai, where we invite a series of guests to explore what it truly means to live a good life, incorporating the concept of Ikigai [...]

在2010年，全球金融危机导致许多人财富缩水后，我灵光一闪，决定为我们的公司发展一套“足够哲学”（Philosophy of Sufficiency）。这套哲学成为我们规划、投资与为客户提供建议的核心理念。 [...]

Being a trusted adviser to our affluent clients for over two decades, Providend celebrates its 24th birthday this year, a milestone that reminds us just how far we’ve come! In this special Money [...]

In January 2021, I began thinking more seriously about my firm’s succession plan. Providend has been operating for almost a quarter of a century, and the founding team is now in our mid-fifties [...]

Welcome to the fifth episode of our miniseries on Finding Your Ikigai, where we invite a series of guests to explore what it truly means to live a good life, incorporating the concept of Ikigai [...]

In the world of investing, volatility is a norm. Markets rise and fall, and even the most seasoned investors can find themselves gripped by fear in the face of sharp declines. Many investors say [...]

Welcome to the fourth episode of our miniseries on Finding Your Ikigai, where we invite a series of guests to explore what it truly means to live a good life, incorporating the concept of Ikigai [...]

我们常听到传承规划，会直接联想到用法律文件、理财工具，把财产留给亲人。 但在Providend我们认为，真正的传承，其实应该先从你希望后人怎么记得你开始 —— 是你想延续的信念与价值，然后才用合适的法律和财务方式，把这些理念落实。 如果少了这一层思考，那就只是单纯的遗产分配而已。   一般传承财富常见的三种工具，是遗嘱（Will）、信托（Trust），还有意愿书（Letter of [...]

In the biblical book of Ecclesiastes, King Solomon, one of the wisest men on earth, once said, “To everything there is a season, and a time for every purpose under heaven.” If we are not aware of [...]

Legacy planning is often seen as using financial and legal instruments to leave behind assets for your loved ones. But in our view, true legacy planning starts with first deciding what you want [...]

Since February, markets have been extremely volatile due to escalating trade wars, particularly between the US and China, but also involving over 60 countries, including traditional allies like [...]

Welcome to the third episode of our miniseries on Finding Your Ikigai, where we invite a series of guests to explore what it truly means to live a good life, incorporating the concept of Ikigai [...]

If you are expecting this article to talk about Indexed-linked Universal Life Policies (ULPs) or about wills and trusts, I am not surprised. Because in my world of wealth management, that is what [...]

Welcome to the second episode of our miniseries for Finding Your Ikigai, where we invite a series of guests to explore what it means to live a good life, incorporating the concept of Ikigai and [...]