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On 22nd December last year, I invested the monies in my SRS account into one of the investment portfolios that my company manages. About one month later on the 19th January, I went to check on [...]

Worried about not having sufficient financial resources to take care of themselves if they meet with an accident or suffer an illness, a group of friends decided to come together at age 40 to [...]

I have not been writing about investments for quite some time. And the reason is that there is really nothing new for me to talk about. You must be thinking that I am joking. So much is happening [...]

Frequently Asked Questions Regarding CareShield Life 1. How is TPD insurance different from CareShield life in terms of coverage and payout? Is there an overlap? Total and Permanent Disability [...]

One of the key concerns of Singaporeans is that as we aged, we might be hit with severe disability and as such do not have enough financial resources to take care of ourselves. Severe disability [...]

I have been advising clients since 1998. Having gone through multiple financial crises, the greatest being the Global Financial Crisis in 2008, I know through experiences and with evidence, that [...]

Last week, I received multiple text messages from my friends with regard to CPF. And when I saw similar messages posted all over Facebook, I knew I had to clarify it. An excerpt of the first [...]

Mark is a good friend of mine. Some years back he had the opportunity of his lifetime to build his dream house on a piece of land given to him by his grandfather and he had a budget of $1 [...]

In its recent report, The Global Savings Gap, the International Longevity Centre UK (ILC-UK) compared the adequacy and sustainability of pension systems across 28 OECD countries, as well as [...]

I am writing this column on a plane, on my way back home from Mauritius, having just finished 3 days of speaking engagement to a group of financial services people there. I have always enjoyed [...]

Over a business lunch recently, one senior gentleman was relating to me on how his private banker tried to sell him a financial product. It was an equity-based investment meant to give a certain [...]

Sometime in September last year, The Business Times reported that the average insurance coverage of a Singaporean is equivalent to only one year of his/her income. And according to an OCBC survey [...]

Most of us own whole life insurance plans. They are meant to protect us against death, disability or a major illness for our entire life. But do we really need insurance cover for our entire [...]

As a fee-only retirement financial advisory firm, we have always prided ourselves to be able to give the most honest, independent and competent advice to our clients without having to struggle [...]

Recently someone jokingly told me that after seeing so many advisers and reading so many articles on papers and magazines, he thinks he can also be an investment adviser. This is what he says [...]

Part of our job as a fee-only retirement financial advisory firm is to evaluate the investment products/proposals that our clients receive from the financial institutions that they have [...]

A common question posed to me at conferences and panel discussions is: “Can we retire in Singapore?” It seems that many Singaporeans are worried that they can’t. So what does it take to retire in [...]

Since 2003, we have been advocating the use of term insurances. While many Singaporeans appreciated our beliefs, the insurance and financial planning industry fought it. We stood out like a sore [...]

When I started out my career as a financial adviser with an insurance company many years ago, I was taught that insurance products are a good instrument for accumulating one’s wealth. Not only do [...]

“If you buy insurance products like a whole life plan, you’re paying to be served a plate of garbage that in fact if you eat, you’ll have financial poisoning”. This is what CNBC personal finance [...]

Life insurance is meant mainly to protect us against loss of income due to death, disability and a medical crisis. It is also meant to provide us with sufficient resources to pay for medical [...]

As wealth managers, are we still taking time to truly understand clients’ needs? Whatever happened to the consideration to recommend what is best for clients’ profitability? Where is that fiduciary [...]

Banks are fiduciaries and should place customers’ interests ahead of shareholders’. Banks are for transacting, not advice. Once upon a time, on a sunny island in Southeast Asia, lived more than 4 [...]

All these years, I know for a fact that many of us do not really understand our CPF well. To many, it is just one of the many ways our government uses to “hoard” our assets. Over the past 2 [...]