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“As retirement planners, our fiduciary duty is not to make retirees rich but to keep retirees financially secure.” In this episode and the upcoming ones, I will introduce you to our proprietary [...]

“You have paid your adviser, whether a commission or a fee, to take care of your financial ‘plant’. Make sure you get what you deserve.” In this episode, I will share a list of works you should [...]

I recently did a podcast on insurance planning and was surprised by the overwhelming response. While consumers were generally thankful for the information, I was taken aback that some advisers [...]

By investing into the entire market, it is no longer a pipe dream to have all the top investors, including the better active managers in the world, work for you. In this episode, I will share the [...]

High inflation rates have renewed the interest in adding commodities as an alternative investment to hedge against inflation risk. In this episode, I will explain what fundamentally drives the [...]

Do hedge fund indices provide a true reflection of the returns of the underlying hedge fund industry? In this episode, I will share the 6 key problems with hedge fund indices and explains why [...]

Scores of data tell us that throughout recessions, geopolitical situations or natural disasters that had happened from time to time, the stock markets always rise in the long run. In this [...]

Most investors are primarily oriented toward returns and pay little attention to the risks associated with investing and how much they can potentially lose. In this episode, I will share a few [...]

Clients often come to us for legacy and estate planning as part of their comprehensive wealth plan. Sometimes, they come after speaking with other professional advisers and have been introduced [...]

Investing is not about buying the best performing or star products. It is also not just about returns. A lot of it is about managing your risk expectation. In this very important episode, I will [...]

In the last episode, I shared 5 interesting investment lessons we can learn from football. This week, I’ll share my learnings as I braved through the jungles and mountains back when I was [...]

“Don’t be discouraged by occasional losses (like now). Just like you cannot win every match in a football game, don’t expect your investments to do well all the time.” In this episode, I will [...]

“This time is different” is a common phrase I have heard over the course of my career each time when a financial crisis happens and I have gone through 4 major crises including the current one. [...]

“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 [...]