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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 [...]

Having survived multiple market crises in our investment journey since 2001, we know what works and what won’t work. In this week’s Money Wisdom episode, Amelia from the Brand Experience [...]

As you may be aware, the CPF Special Account (SA) for members aged 55 and above will be closed starting in the second half of January 2025. This change was first announced during Budget 2024 in [...]

As a trusted adviser to our affluent clients for over two decades, our Founder and CEO, Christopher, was recently invited to Guangzhou, where he had the opportunity to speak with Chinese [...]

Executive Summary  In September 2024, the stock market marked its first positive month in five years, largely due to a 50-basis point rate cut from the Federal Reserve (Fed) and stimulus [...]

We often think that only the financial illiterate need wealth advice. However, in our own experience, it is not uncommon for financially savvy individuals to reach out to explore our services. We [...]

Question: How should a fresh graduate working in the engineering sector manage his/her finances? Long-term and short-term! Answer from our CEO, Christopher Tan: Thank you for participating in [...]

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 [...]

Question: How have the global events in recent years (e.g., Ukraine war, political instability, COVID-19, etc.) changed your investment outlook? Also, what are your thoughts on alternative assets [...]

Question: What are the advantages of investing through Providend when we can invest directly and at a lower cost through ETFs such as CSPX and VWRA? I’m assuming that Providend also invests [...]

Providend is excited to share that we are working alongside Dimensional Fund Advisors (DFA) to introduce three new low-cost CPFIS funds to Singaporean investors: The Global Core Equity III Fund [...]

This Father’s Day is particularly special, as it is the first year I will be celebrating as both a son and a soon-to-be dad. Like many Asian families, my dad was the primary breadwinner, [...]

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 [...]

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 [...]

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 [...]

To get ready for your retirement, or your financial independence, you will need a recurring stream of cash flow. We often have clients seeking our help to evaluate certain financial products [...]