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“I have been told by many that most trustees will never take any risks during their term in office. The belief is that if they make a good investment decision, no one will thank them, but if they [...]

Can you accept the fact that your investment returns depend on how fast someone dies? The earlier they die, the higher your returns. In this episode, I will share my professional insights on [...]

TBC We are living in a world where patience is no longer a virtue. We like quick fixes and fast results. But speed comes at a price which we may not be aware of. In this episode, I reflect on how [...]

When the market crashed in 2008, many people cautioned us to move all of our portfolios to cash as they feared the worst. When we did not do so and the markets fell further, some clients were [...]

Imagine you are walking through a jungle and on your way, a storm come raging and cause damage to your planned route, you have 3 options below, which one would you choose? Continue with the same [...]

As of 20th May 2022, the S&P 500 has fallen 18.36% since the beginning of the year. The MSCI ACWI which includes the emerging markets is down 17.61% for the year. Even bonds were not spared. [...]

Don’t ever give up! What we have learnt from the past century is that no matter how deep and long the crises are, the market always recovers. The key question is, do you have the time to wait for [...]

When I was recording this episode, I felt like déjà vu because the points that I made 20 years ago still apply to the current market situation, i.e., inflation, recession, etc. While investment [...]

The chairs are switched in this very special episode of The Providend Conversation: Living the Good Life! In the book, Repacking Your Bags, authors Richard J. Leider and David A. Shapiro defined [...]

“I have my wife who is my pillar and rock, and also my little baby who can’t say much but at least I can hug him after a long day from work and I can then say: Okay, the day is good.” An [...]

“I want to live a more colourful life, I want to experience more of the world, I want to see different aspects of the healthcare industry, and also the world in general.” Unlike most doctors, Dr [...]

In this episode, I hope to stress that both phases in retirement planning – accumulation and consumption, are equally important to secure retirement adequacy (not necessarily a luxurious [...]

In this episode, I will answer the following frequently asked questions on CareShield Life: How is Total and Permanent Disability insurance different from CareShield Life? What are the other [...]

“We feel that social media is flooded with a lot of negativities, so we wanted a little space where you celebrate the average and you also celebrate the positive values.” Here is the inspiring [...]

I did not write for this column last month. My mum passed away and when I asked Ms Genevieve Cua, Wealth Editor of The Business Times if I could delay my submission, she suggested that I should [...]

“At that time, we were a little too naive, we were young and ambitious and felt like we were on top of the world. We didn’t realise that we actually had no money.” Der Shing and Shao-Ning recount [...]

In this episode, I will share the key differences between two severe disability insurance schemes – ElderShield and CareShield Life, in helping Singaporeans prepare for their long-term care [...]

You may know him as “Mr. 1M65” or “Mr. CPF” but who exactly is Loo Cheng Chuan, founder of the 1M65 ($1 Million by 65 Years Old) Movement, who has helped many Singaporeans become millionaires at [...]

In this episode, I will further elaborate on CPF LIFE – the national annuity plan which provides a way out of the longevity risk that retirees face with provision of income throughout their [...]

In this episode, I will highlight the key principle governing CPF and shares about the Minimum Sum Scheme, CPF LIFE as well as the hottest debate in 2014 concerning the interest rates we are [...]

In this episode, I will share the resources available to fulfil the three basic needs in our retirement age – a house to stay in, medical expense insurance, and a reliable monthly income [...]

In this episode, I will share the key considerations you should take into account if you own an Investment-Linked Policy given its insurance charges that increase tremendously from age 40. View [...]

In this episode, I will share how you can be adequately covered to ensure zero or low out-of-pocket expenses during a medical crisis, and to allow you to live normally until your situation gets [...]

In this episode, I will present one common tactic used to simplify the way to pay estate duty – use of whole life plans. If you’re an investor of foreign assets, this information [...]

In this episode, I hope to dispel a myth that many have believed for a long time – that insurance is a good instrument to accumulate wealth. View the full list of podcast episodes published [...]

Whenever we talk about retirement planning, the focus has almost always been on accumulating towards retirement. Very little has been spoken about withdrawing during retirement. But planning for [...]

In this episode, I will be explaining the types and durations of our insurance needs as well as how we can prioritise one over another given our limited resources. View the full list of podcast [...]

In this episode, I will share the comparison on how every dollar of premiums you pay is being used between whole life and term insurance. View the full list of podcast episodes published here. [...]

In this episode, I will share the reasons why we have been emphasising so much on using term insurance despite the absence of a maturity benefit – one of the main reasons for its [...]

Insurance should be used strictly for life protection. In most instances, it is a temporary need, the only exception is probably medical expense insurance. In this episode, I will share the [...]