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Can AI Replace a Human Adviser? Artificial intelligence (AI) tools like ChatGPT are increasingly capable of analysing financial data, generating reports, and answering complex questions in [...]

When people think of ikigai, they often picture a neat, four-circle Venn diagram: “what you love,” “what you’re good at,” “what the world needs,” and “what you can get paid for,” with ikigai at [...]

One of the primary concerns for investors when managing personal wealth is the safety of their assets—especially when those assets are held by a third party, such as a custodian. This concern [...]

Discovering the Why It’s the 23rd of September 2024, and I just spent the last 10 days in the US together with 2 of my other colleagues, Chris and Nataly, to visit and speak with various fee-only [...]

After working hard in your career for the past 15 years, you’ve earned a well-deserved promotion to a senior level in the company. As you read through the promotion letter, aside from the [...]

It is Saturday evening, January 28th, and I find myself sitting with a group of close friends in one of their homes. It is still the Lunar New Year season, and we are having a game of Texas [...]

Property prices in Singapore have been rising for the past few years, particularly for landed projects, despite higher mortgage interest rates and government cooling measures. It is no surprise [...]

Interest rates had been on a steep rise since last year as central banks around the world moved quickly to fight inflation. I previously wrote about how higher interest rates impact leveraged [...]

Within the ongoing time commitments of work and family, I enjoy spending some of my personal free time to do readings on various topics. Apart from just learning and getting new insights, I found [...]

Cash, a “thing” that we deal with almost daily, yet can be controversial over its use. And to complicate things further, you have articles with counter-intuitive titles like this one that you are [...]

The Federal Reserve has just announced yet another interest rate increase by 0.75% at the recent Federal Open Market Committee in an effort to combat rising concerns of inflation. Consumers [...]

As we approach the year end, I cannot help but to reflect on the journey we have been through over the past 2 years of pandemic that has impacted every one of us. The financial markets had been [...]

When I first started my investment journey about 10 years ago, the first question that I asked is how much money can I make? In the same way, in my day-to-day conversations with clients, it is [...]

 In the last part of this series, we share about the concept of SA shielding and illustrate the difference in your CPF OA and CPF SA balances before and after you optimise them. You can [...]

I was lying in bed one night, half-awake when a question suddenly popped into my head (true story) – “If I had a sudden increase in my net worth of a million dollars (bitcoin perhaps?), how [...]

 At age 40, if your income is $20k/month, with $150k in your OA and $100k in your SA, you can easily amass a total of $1.08m in both your OA and SA by age 55. That means you can withdraw [...]

 CPF is one of the best “investment” tools for your accumulation towards retirement as the returns are high (and guaranteed) relative to its risk. In fact, OA returns up to 3.5% p.a., SA and [...]

I love managing my money, no surprises about that. But I also do have a fascination towards psychology, particularly in behavioural economics and cognitive biases. And along the way, I started to [...]

I have been doing my own personal finance planning for the past 10 years or so ever since I got my first paycheck and wondering what to do with it. Being a numbers driven person and a bit of a [...]

My love for personal finance began 9 years ago when I first entered the workforce with Singapore Airlines as an executive and receiving my first paycheck. Like many others, it felt like a lot of [...]