Archives

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 [...]

Does this describe you: You have worked for a number of years, your income is moving up and so is your income tax bill, and the last time you received your NOA (Notice of Assessment) from IRAS in [...]

We typically depend on research and data to do many things in the modern world, from medicine to engineering. Why should it be any different for investing? Using funds that are backed by research [...]

There are so many issues that trigger us as Singaporeans, that it’s hard to keep track of things. Taxes, ERP, CEOs, health… The list seems to go on and on. But let me get real with you on [...]

Nothing wakes you up like an addition to the family. Bringing a life into the world, whether planned or not, really brings adulting to a whole new level. Just getting the idea to sit still in my [...]

I have not been writing about investments for quite some time. And the reason is that there is really nothing new for me to talk about. You must be thinking that I am joking. So much is happening [...]

I get a lot of questions from clients about what is happening in the global stock market so I thought this was a good time to reflect on what it means to be a ‘good’ investor. No matter what you [...]

Yesterday, on 5 July 2018, the Singapore Government announced that it would raise the Additional Buyer’s Stamp Duty (ABSD) by 5% for citizens and permanent residents buying second and subsequent [...]

Kids on retirement Part II is ready! If only retirement could be as simple and carefree as they describe it to be. Watch this video to hear what the children of Providend have to say! If you have [...]

If your life is anything like that in my home and office, the 2018 FIFA World Cup has completely overtaken your life and schedule. Suddenly, 2AM kickoffs at the local pub or kopitiam are normal. [...]

As a financial advisory firm which specialises in retirement planning, we decided to interview our children on retirement and take this as a chance to educate them because it is always good to [...]

Frequently Asked Questions Regarding CareShield Life 1. How is TPD insurance different from CareShield life in terms of coverage and payout? Is there an overlap? Total and Permanent Disability [...]

From young, we’re generally taught to save. If we were lucky enough to have an allowance, we were told to put some away. Maybe we had a tooth fairy who gave us some pocket change, again, we were [...]

One of the key concerns of Singaporeans is that as we aged, we might be hit with severe disability and as such do not have enough financial resources to take care of ourselves. Severe disability [...]

In recent months, when people talk about the digital currency, the chances are that Bitcoin is the first cryptocurrency that will come to mind. As the leading digital currency by market [...]

Last week, I received multiple text messages from my friends with regard to CPF. And when I saw similar messages posted all over Facebook, I knew I had to clarify it. An excerpt of the first [...]

Mark is a good friend of mine. Some years back he had the opportunity of his lifetime to build his dream house on a piece of land given to him by his grandfather and he had a budget of $1 [...]

If you are waiting for the right time to invest in the market, that time is now. You might think I’m crazy. The S&P 500 Index is at an all-time record high, traditional market valuation [...]

Why Do Some People Invest Only In Singapore Blue-Chip Stocks? “Sean ah,” approached my auntie during Chinese New Year. “Eh, ask you…you work in investing right? So which companies’ stocks are [...]

With suggestions that U.S. Federal Reserve may raise their interest rate benchmark in 2017 due to a recovery in the U.S. economy as well as an anticipated increase in fiscal spending under [...]

  Learn about a better way to invest based on evidence. This film reveals all about the investment industry and markets, and find out why you should invest using a portfolio of low-cost [...]