Personal Wealth

Over the past months, during the various webinars that I did, I have been asked this same question several times: How does Providend ensure that our client advisers always do the right thing for [...]

As wealth advisers, we are always searching for new ways to communicate well-established ideas in a way that helps clients visualise, understand, and internalise important concepts. Metaphors, I [...]

Living a Good Life: Lessons from Travelling 50 Countries on $3,000 “Some of the guesthouses are closed due to the pandemic, so I had to pitch a tent along the road to stay a night.” [...]

Earlier this year, I was on the beautiful islands of the Philippines. The sky was bright blue, while the rolling green hills set the backdrop for my holiday. To fully soak in the island [...]

Previously from other big financial institutions, Joyce and Zhi Han both coincidentally applied for an advisory role at Providend after watching this video where Christopher, our CEO, shares the [...]

At Providend, in order to help our clients achieve enough returns in the most reliable way to enable their life goals and life events, we started using the Ibbotson-Chen Model early this year to [...]

When I first started my career in the financial services sector in the late 90s, comprehensive financial planning was not widely practised. Most of the time, it was really just product sales. I [...]

“When I was much younger, we used to stay at a much bigger place. We had two cars and two maids, then subsequently, we just had one car, no more maid, downsized a little bit and went to rent [...]

2015 was a very somber year for me. A series of events that happened reshaped the way I view my career in the financial services industry. Within a short span of two months, three of my clients, [...]

With the recent COE prices reported to be at an all-time high, the idea of owning a car in Singapore has become even harder to justify. In this episode, our Client Adviser, Ray Zheng, shares the [...]

In this fast-paced financial landscape where businesses are in pursuit of faster revenue, interactions between wealth advisers and clients are highly transactional such that the value is often [...]

In the past 3 years, many studies on the value of advice have emerged. Fund managers like Russell Investments and Vanguard, as well as professional associations like CFA Institute and Financial [...]

“When you say people get free advice here, I laughed because in the end when you think about how this world works, nobody works for free. So you are paying for what you are getting somehow. [...]

Recession, the pandemic and shifting demographics are intensifying the pressures on the ‘sandwich generation’ – those taking care of both their elderly parents and young children. This can put a [...]

About a year ago on 26 October 2022, my day was marked with many realisations, each with varying intensities of pause and self-reflection. The first one came when it dawned on me that I had [...]

The total cost of university education can range from $100,000 to $1 million in SGD today, depending on many factors such as country, university, academic field, degree level, inflation, and [...]

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 [...]

*Due to unforeseen circumstances, we will be postponing the episode on Investment-linked policies to a later date. Do keep a look out for it in the coming months and meanwhile, we hope you will [...]

Have you ever been to the doctor and not followed their advice? Perhaps they told you to quit smoking, avoid certain foods, or take up a new exercise regimen. Perhaps you tried to follow their [...]

Did you know that back in 2013, a panel set up to review the financial advisory industry has rejected an outright ban on commission for financial advisers in Singapore? In this episode, Chris [...]

20 years ago, I wrote an article in this same column about the different ways financial institutions are compensated and their implications for consumers. Suffice to say, the industry, which is [...]

In Part 1 of this article, we established a baseline financial goal for your children’s tertiary education. We now turn our attention to wealth planning for achieving this goal. Inflation of [...]

“There have been many bad money decisions because I know how to buy (stocks) but I don’t know how to sell!” In many industries like healthcare and legal, it is a norm for people [...]

For many Singaporean parents, sending their children to university is an important life goal. A good tertiary education gives their children a head start on their future career. As education [...]

Are you making the most of your CPF account? In this episode, Isaac discusses the strategies for optimising your CPF accounts and integrating them into your personal wealth plan with Tan Chin Yu, [...]

When we think about our lives, we all want to make it a good one for ourselves and the people we care about. For some, they have a clear vision of what they want, while others are still exploring [...]

Bonds are not typically the best asset class if there is unexpected inflation, but one type of bond which investors use to keep pace with the inflation rate is the Treasury Inflation-Protected [...]

On a recent episode of Providend’s Money Wisdom Podcast, I was asked a bonus question about retirement strategies that plan for a drawdown of one’s capital versus perpetuities. I shared that for [...]

We all know Kyith as the brain behind Investment Moats, Singapore’s most well read financial blog, but how much do we know about his motivations and money values that led him to where he is [...]

In celebration of his 25 years in the financial industry, our CEO, Christopher Tan shared an epiphany he experienced 2 years after the Global Financial Crisis in a recent article he wrote for the [...]