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In my last article, Our Non-linear Life Affects How We Plan for Our Wealth, I shared that many of us underestimate how much and the degree to which our lives can change. One of the financial [...]

Whenever some of my friends meet out for lunch, our topic of conversation will sometimes gravitate to what I am most preoccupied with recently. I would ponder about that and tell them how most of [...]

This article is a two-part series and you can find part 1 here. Given the cost of the delivery options, check-ups, cost of complications during prenatal & delivery and potential congenital [...]

Pregnancy can mean the beginning of a new stage in a woman’s life, with all the changes that new stage can bring. There are the obvious ones such as the cravings, fatigue, nausea, and changes to [...]

By age 38, Kyith has achieved financial independence and helms Singapore’s most well read financial blog where he openly shares his personal wealth building journey since he was 24. In this [...]

Investors typically look for 2 crucial features in their investments: Their investment must not lose money Their investment needs to keep up with inflation You realize that… #1 and #2 are often [...]

The end of the year is often a period where we slow down our pace of work and spend some quality time with the family, especially in this disruptive year of covid-19. As the year winds down, we [...]

Adam and his wife, Sabrina, have spent the past 13 years of their lives in successful individual careers as a Technology Engineer in an American MNC and as an Account Manager, respectively. Both [...]

There are a few things that could speed up an affluent person’s financial independence. But if we want to narrow to the most realistic, what would it be? After much consideration, I would say it [...]

Patricia has always wanted to find someone to help her make sense of her family’s finances so that she can be a good steward of the family wealth. Originally, she and her husband, Stanley, came [...]

Eliza and Noah are not really big on the idea of retirement. It is not that they find retirement repulsive, but because they have always found their respective career interesting and challenging. [...]

Some investors may have reservations about investing in a fund that is denominated in a currency that is not their home currency. For most of our clients, they hold equity and bond funds that are [...]

To hedge against high inflation, we should own gold. However, I think if you are allocated to equity, they would do well in periods of higher inflation as well. To provide liquidity, smoothed out [...]

Here we are, a few days after National Day and we have had quite an eventful year. We have clients who remained invested. When the markets came down, we explained to them that markets eventually [...]

I had a friend who asked me this question recently: When did you realize you were financially secure and didn’t need a job anymore? I thought I will give an answer here (since we are a fee-only [...]

Note: This article has been updated on 12 April 2024. Mention what you could optimize about your CPF and the conversation will naturally shift to tips and tricks you could do to optimize your [...]

Many of our clients are invested in investment-linked policies (ILP) and unit trusts, which are usually recommended to them by their previous advisers. We would often tell them to check the [...]

As parents, we want our children to become successful adults. Yet, many young people nowadays didn’t live up to the potential that their parents or society expected of them. As a successful [...]

In the last article, we explained that our investment philosophy is largely driven by the needs of our clients.  We developed a set of model portfolios to help our clients achieve a range of [...]

Our Client’s Needs Drive Our Investment Philosophy At the very tip of wealth building, what we think drives investments is what our clients need their wealth to accomplish. Finance professionals [...]

March 2020 is a bit of madness. March Madness is also the name given to National Collegiate Athletic Association Division 1 Men’s Basketball tournament in the United States. It is no surprise [...]

On March 26, 2020, the United States Labour Department announced that 3.28 million Americans applied for unemployment benefits for the first time the week before. This is a very large number. To [...]

Money often comes between couples. If we do not smooth things out, the relationship becomes toxic and eventually crumbles. I always tell people managing money for myself is far simpler because I [...]

THE COVID-19 pandemic is not only a public health emergency, but it has also resulted in a severe economic crisis. In the past two months, the world economy has turned upside down. The stock [...]

One of the values that Providend help our clients with is to help them make sense of a very complicated world. The idea is that prospects or clients who subscribe in some ways to the mainstream [...]

Some clients may have come across advertisements of companies that are about to do an initial public offering in the newspapers or certain bulletin boards. The initial public offering is known as [...]

At 3pm yesterday, 18th Feb 2020, Mr Heng Swee Keat, Deputy Prime Minister and Minister for Finance, delivered Singapore’s FY2020 Budget Statement in Parliament. Through the budget, Singaporeans [...]

Back in my secondary school days, I participated in a regional science exhibition where students from different schools came together to exhibit innovative ways of tackling daily chores such as [...]

The power of compounding is a concept I came across while in my final year of Undergraduate education. I started to play around with a few numbers to see how compounding works with money. [...]

We just concluded our last Retirement Weekend here at Providend. At this event, we explain the holistic considerations that many may not have considered when they are near retirement. One of the [...]