Personal Wealth

每到圣诞节，脑海里常会浮现许多熟悉的画面：圣诞树、雪人、烤火鸡、槲寄生、圣诞树干蛋糕，还有坐在雪橇上、由十二只驯鹿拉着的圣诞老公公（这些其实在圣经里一项也没有）。但无论是在购物中心或街头看到多少这些元素，它们都不是圣诞节的核心意义。 圣诞节是纪念耶稣基督的诞生。对基督徒来说，这是神道成肉身、降世为人的时刻。 [...]

As investors, we spend a great deal of time measuring returns. We track markets daily, analyse charts, and compare our investment performance against benchmarks. And when the year comes to a [...]

“Young people are so carefree!”, but is it true? In this series ‘Snack for Thought’, we dive into real conversations on the money and life issues young adults face, while keeping it [...]

As AI tools like ChatGPT are increasingly capable of analysing financial data, generating reports, and answering complex questions in seconds, many have asked: Could AI truly replace a human [...]

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。  [...]

In this article, our Client Adviser, Annette Lee, reflects on the Ikigai petal of Freedom, sharing her recent experiences in Wakayama, Japan. Through her journey, she explores what true freedom [...]

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 [...]