Retirement

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 [...]

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 [...]

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 [...]

“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 [...]

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 [...]

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 [...]

The celebration of Christmas is often associated with Christmas trees, snowmen, roast turkeys, mistletoes, log cakes, and Santa Claus on his sleigh pulled by his 12 reindeers (none of these are [...]

I have been writing and speaking about retirement planning for the past 27 years. In the initial years of my career, they were all about how to accumulate enough wealth to retire. As my clients [...]

Since the late 90s, I have been to different parts of the US for work almost every year and I recently just returned from a near 2-week business trip to San Francisco, Dallas and Austin with [...]

Being a trusted adviser to our affluent clients for over two decades, our Founder and CEO, Christopher, encourages us to think beyond the financial aspects of retirement, considering the [...]

A few weeks ago, one of my colleagues retired after working at Providend for almost two decades. Just before he left the company’s chat group, he wrote his farewell message to all of us. It hit [...]

February 16, 2024, marked the closure of the loophole to ‘shield the Special Account’ – the risk-free and high-yielding liquid CPF account. Two of my colleagues are moderators of the 1M65 [...]

It has been a month since the CPF changes were announced, and there are still ongoing discussions in the media, online, and in various finance chat groups. With all the noise surrounding this [...]

It has been a month since changes made to the CPF were announced and it has sparked many discussions on retirement planning which are still ongoing on mainstream media, digital media channels and [...]

For years, CPF members were able to “shield” the money in their CPF Special Account (SA) from being transferred to their Retirement Account (RA) by investing the money in excess of the first [...]

“Well, what’s that?” the man bellowed while polishing his glassware. I peeked up sheepishly from my screen, still mashing buttons and beating up digital thugs. “It’s… a Steam Deck.” I braced [...]

To conclude this book, I would like to first share the results of a survey and summarise what we have covered.  A survey was done in 2010 to understand the retirement journey of individuals (The [...]

So far, I have shared how we can use our proprietary tool, RetireWell™, to give our clients, Richard and Eva, a reliable income stream throughout their retirement.  However, retirement [...]

For most of us, the property we own is likely to be the most significant purchase we will ever make in our lifetime. From both a financial and psychological standpoint, it is also probably the [...]

Once we have used the RetireWell™ tool and decided on the distribution of a retiree’s assets and the asset allocation for each portfolio, then we need to execute the investments well by [...]

The content of the last two chapters should be encouraging for any investor or retiree. If we invest in a broad, market-based portfolio in the right allocation, and stay invested for an adequate [...]

Once we understand that reliable investing is about capturing returns from the market rather than trying to outsmart all the other market participants, it becomes natural to then ask: Why do [...]

More often than not, many investors assume that once they have completed their wealth plan when they are younger, they do not need to revisit it. However, this is not a reliable approach to [...]

Now that we have secured a portion of the retirees’ desired income using the RetireWell™ Income Bucket, let us look at how we can invest the rest of their money in the other buckets to [...]

One of the key features of the RetireWell™ planning methodology is to have a portion of assets set aside with the aim of producing a fixed and constant stream of income, rain or shine. [...]

The mechanisms we discussed in the previous chapter are especially important because one of the key success factors to reach the financial aspects of our retirement goals is the ability to [...]

When it comes to retirement planning, it is important to consider two phases: accumulation and withdrawal. However, our experience has shown that more emphasis is often placed on the accumulation [...]

Introduction  In the previous article, we touched on estate planning, which focuses on distributing your financial assets after death. In this article, we go beyond your financial assets to look [...]

In this article, we focus on estate planning, which is the process of strategically managing and distributing your wealth and assets to future generations after death. It involves creating a [...]