Personal Wealth

“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 [...]

Legacy planning is often seen as using financial and legal instruments to leave behind assets for your loved ones. But in our view, true legacy planning starts with first deciding what you want [...]

Earlier this year, widespread job cuts were announced across various industries in Singapore. The technology and financial services sectors, in particular, were among the hardest hit. In [...]

Welcome to the second 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 [...]

Since February, markets have been extremely volatile due to escalating trade wars, particularly between the US and China, but also involving over 60 countries, including traditional allies like [...]

Getting retrenched can feel like being punched in the gut. For some, it comes as a surprise; for others, they see the writing on the wall and have to deal with gut-wrenching uncertainty until [...]

My first quarter of 2025 was fraught with ill health and medications aplenty. I had fallen sick since January, with remnants of a cough still lingering as I pen the words to this article. What [...]

Welcome to the third 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 [...]

If you are expecting this article to talk about Indexed-linked Universal Life Policies (ULPs) or about wills and trusts, I am not surprised. Because in my world of wealth management, that is what [...]

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

I made my first stock market investment in June 2009 during the Global Financial Crisis. It was sheer luck that I entered the market not long after it had hit its lowest point in March that year. [...]

“I am now ready to be a wealth adviser.” With reference to an article I wrote in 2021, my ‘one day’ has come. Since my husband and I got married in 2016, our life together has been [...]

For many of us, our loved ones are the reason we wake up each day, work hard, and make sacrifices—to give them the best life possible. Throughout my career, I chased financial success to make my [...]

Prime Minister and Finance Minister Lawrence Wong delivered the Singapore Budget 2025 titled “Onward Together for a Better Tomorrow” on 18 February 2025. Considering geopolitical tensions and [...]

Launched on 9 January 2009 by Satoshi Nakamoto (no one really knows who he is or who they are; it is presumed to be the pseudonym for a person or a group of people), Bitcoin became the world’s [...]

Welcome to the first episode of our Milestones by Decade mini-series! We’re thrilled to kick off this series, diving into insightful conversations with our Client Advisers. In each episode, we’ll [...]

“It’s not just words. Action expresses priorities.” – Mahatma Gandhi Most prospective clients do not come to Providend with all their money in cash. Instead, they usually come to us with a [...]

As a millennial, one of the most talked-about topics today is building generational wealth, particularly through crypto. Every now and then, a TikTok video would appear on my For You Page (FYP), [...]

Living a Good Life: Building Trust and Auctioneering Success Being a trusted adviser to our affluent clients for over two decades, we know what works and what won’t work, when it comes to [...]

After almost a year of waiting, the CPF Special Account (SA) was finally closed on 19 January 2025 for approximately 1.4 million CPF members. Over the past month, as Singaporeans above 55 years [...]

This marks the first episode of our miniseries for Finding Your Ikigai, and we are really excited to begin this series, as we invite a series of guests to explore what it means to live a good [...]

The best musical composition, novel, or artwork is built on basic elements like notes, alphabets, or colour palettes. Similarly, to appreciate the elegance, depth and intricacy of portfolio [...]

Welcome to the first episode of Providend’s Money Wisdom Podcast Season 4! We hope everyone is looking forward to what we have in store for you this year. As the leading fee-only wealth advisory [...]

Having survived multiple market crises in our investment journey since 2001, we know what works and what won’t work. In this week’s Money Wisdom episode, Amelia from the Brand Experience [...]

How I Spent My Year-End Bonus The first year-end bonus I received was unforgettable. I was 28 and working as a bank relationship manager, earning a steady income but having never handled such a [...]