Personal Wealth

It is that time of the year again, when the days somehow move faster, the calendar fills with holiday trips and gatherings, and we begin to ask ourselves: How has this year been for me?Did I live [...]

As I embarked on my next career journey, the big question was, “Could I find a path that would allow me to make a meaningful impact on the lives that I serve?” My career began in corporate [...]

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 [...]

我经常前往中国，与各类金融机构交流，并分享在当今市场中应如何提供理财建议。在最近一次前往广州的行程中，我有机会与多家金融机构交流，同时也与政府官员进行了会面。  有趣的是，我抵达的当天，中国股市大幅上涨，受到政府财政刺激政策的推动。由于中国市场经历了三年的低迷，金融机构忙于为不想错过这波反弹的投资者执行交易，大家都认为市场反弹终于来了。  [...]

The Human Side of Advisory: Providend Client Advisers on Their Ikigai We invite our very own Client Advisers to share what it means to live a good life, incorporating the concept of Ikigai and [...]

Welcome to the final episode of our miniseries on Finding Your Ikigai, where we invite a series of guests to explore what it truly means to live a good life, incorporating the concept of Ikigai [...]

Over the past few years, we have experienced an increasing number of requests to set up trusts for families as part of their legacy and estate plan. This is largely due to a greater awareness of [...]

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 [...]

Before starting the session with my parents, I found myself in a strangely unsettling position. Despite my experience guiding clients through difficult conversations about long-term care and [...]

My son has been saving part of his allowance ever since he started primary school. It was a habit my wife and I wanted to build early — to help him see that money isn’t just for spending. [...]

My wife and I, together with some friends, just came back from a two-week vacation in Hokkaido and had the opportunity to stay at the Higashiyama Niseko Village, a Ritz-Carlton Reserve. The [...]

“Mid-life crisis?” That was the most common reaction I received when people found out I was leaving the firm I had been with for 16 years. It’s not an unreasonable question. After all, it’s not [...]

Welcome to the fourth and final episode of our Milestones by Decade mini-series! We’re excited to continue this journey with more insightful conversations with our Client Advisers. In each [...]

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 [...]

In September this year, a Straits Times report highlighted that while sales of investment-linked policies (ILPs) grew by 72% from 2022 to 2024, complaints against them are also at an all-time [...]

Welcome to the sixth episode of our miniseries on Finding Your Ikigai, where we invite a series of guests to explore what it truly means to live a good life, incorporating the concept of Ikigai [...]

Recently, I was interviewed by CNA on the topic of making your child a millionaire. The discussion focused heavily on the mechanics — the “how-to” of compounding and investing. But I left [...]

在2010年，全球金融危机导致许多人财富缩水后，我灵光一闪，决定为我们的公司发展一套“足够哲学”（Philosophy of Sufficiency）。这套哲学成为我们规划、投资与为客户提供建议的核心理念。 [...]

Welcome to the third episode of our Milestones by Decade mini-series! We’re excited to continue this journey with more insightful conversations with our Client Advisers. In each episode, we [...]

It was 6am in the morning, when the director yelled, “…and CUT, it’s a wrap!” I breathed a sigh of relief. It had been a gruelling 24-hour shoot for a commercial. No amount of [...]

As Singaporeans celebrate National Day on 9 August, let’s take more than a moment to look back at our history with a sense of pride and gratitude for all that the founding generations have [...]

Welcome to the fifth episode of our miniseries on Finding Your Ikigai, where we invite a series of guests to explore what it truly means to live a good life, incorporating the concept of Ikigai [...]

In the world of investing, volatility is a norm. Markets rise and fall, and even the most seasoned investors can find themselves gripped by fear in the face of sharp declines. Many investors say [...]

Welcome to the fourth episode of our miniseries on Finding Your Ikigai, where we invite a series of guests to explore what it truly means to live a good life, incorporating the concept of Ikigai [...]

“Yong Cheng, do you think I have enough money to spend for the rest of my life?”  This question came from a client of mine—a 70-year-old semi-retired doctor who has properties worth [...]

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 [...]

我们常听到传承规划，会直接联想到用法律文件、理财工具，把财产留给亲人。 但在Providend我们认为，真正的传承，其实应该先从你希望后人怎么记得你开始 —— 是你想延续的信念与价值，然后才用合适的法律和财务方式，把这些理念落实。 如果少了这一层思考，那就只是单纯的遗产分配而已。   一般传承财富常见的三种工具，是遗嘱（Will）、信托（Trust），还有意愿书（Letter of [...]

In the biblical book of Ecclesiastes, King Solomon, one of the wisest men on earth, once said, “To everything there is a season, and a time for every purpose under heaven.” If we are not aware of [...]

If you’ve read my previous articles, you’ll know I’ve typically shied away from sharing personal stories. I’ve leaned more towards the technical side of things—not because I’ve had a [...]

An earthquake. No one could have predicted that would happen in Bangkok on 28 March 2025. I was on a short holiday to the Thai capital with my sister. We were just settling down for lunch at the [...]