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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 [...]

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. [...]