How to Have a Robust Retirement Strategy
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 [...]
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 [...]
Later-Life Planning, commonly known as End-of-Life Planning, is the process of making important decisions and arrangements for your future medical care, financial matters, and personal [...]
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 [...]
Making the shift from a saver (while you accumulate) to a spender (while you retire) can be a surprisingly hard part of retirement. In this episode, Isaac speaks with our Client Adviser, Bryan [...]
“I booked a Grab car and when it came, I was pleasantly surprised that it was a Lexus. Once I got in, I began an interesting conversation with the driver. I asked him if he could make money [...]
“If you are a retiree listening to this, you are effectively in the final phase of your life. Time is short and by being clear of your life’s purpose, you will be able to focus your time on [...]
Should I get a wealth adviser to help me plan for my retirement? Chris: If you are savvy enough to design your own portfolios, execute them using suitable low-cost instruments, keep your own [...]
“You cannot possibly find another better annuity in Singapore, than CPF LIFE.” In this episode, I will share a very important role of CPF LIFE in retirement planning — to provide retirees [...]
Over the past one month, the talk in town has been on rising interest rates and yields of fixed deposits, Singapore Savings Bonds and T-bills. This is not surprising as we have not seen such high [...]
In the event of mismanagement of their retirement monies, retirees might not be able to accumulate sufficient sums for their retirement again because of their advanced age. With that in mind, I [...]
As retirement specialists, we use instruments that are low-cost and do not try to beat the markets for our clients. In this episode, I will explain why we use index funds by looking at the risks [...]
“As retirement planners, our fiduciary duty is not to make retirees rich but to keep retirees financially secure.” In this episode and the upcoming ones, I will introduce you to our proprietary [...]
When we talk about retirement planning or our proprietary methodology, RetireWell, we always mention the 5 key risks that retirees face, namely 1) Longevity, 2) Inflation, 3) Healthcare, 4) [...]
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