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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 [...]

In the past year, gold has captured headlines as one of the standout performers among global asset classes. After trading for much of the past decade below previous record highs, gold prices [...]

In managing in excess of S$1.7 billion worth of our clients’ assets, we know what works and what will not work when it comes to the reliability and sufficiency of investment returns. To share our [...]

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 [...]

In a short span of just six years, we have been reminded of how fragile global stability can be. It began with the Covid-19 pandemic in Wuhan in December 2019, which disrupted supply chains and [...]

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 [...]

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 [...]

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 [...]

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 [...]

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. [...]

Executive Summary  The third quarter of 2025 marked a robust rebound for global markets, as easing trade tensions, strong earnings, and AI enthusiasm pushed equities to all-time highs. US, [...]

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 [...]

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。 [...]

Executive Summary  July was a fantastic month for stocks, reaching new highs supported by strong AI earnings, low inflation, and a weaker SGD boosting portfolios. Key indices including the [...]

“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 [...]

Two months ago, due to the radical tariff policies proposed by President Trump, many experts predicted that the US economy was on the brink of a recession. This pessimism caused the US stock [...]

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 [...]

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 [...]

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 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 [...]

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 [...]

“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 [...]

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 [...]

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 [...]