Are You Really Ready For Retirement? Three Questions That Will Tell You
I was recently at a conference in the United States, listening to Dr Joe Coughlin, the founder and director of the MIT AgeLab. He paused mid-presentation and asked the room a question that was [...]
The Retirement Advice That Worries Me Most Right Now
One morning recently, while I was having breakfast at a hawker centre near my office, an insurance agent approached me and asked whether I had planned for my retirement. I told him politely that [...]
Can AI Replace a Human Adviser During Market Volatility?
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 [...]
Before You Rush Into LRIS, Understand How CPF Really Works
In the past month, since Finance Minister and Prime Minister Lawrence Wong announced the launch of the Lifetime Retirement Investment Scheme (LRIS) in 2028, there has been considerable discussion [...]
7 Key Questions to Grow Wealth Through Efficient Planning and Investing
In Singapore’s competitive financial landscape, where CPF savings, tax-advantaged schemes, and global market opportunities intersect, individual investors often seek more than just alpha [...]
Singapore Budget 2026: Key Personal Finance Highlights for Households and Retirees
Prime Minister and Finance Minister Lawrence Wong delivered the Singapore Budget 2026 on 12 February 2026. Considering a new world order along with rising geopolitical tensions, he emphasised [...]
Retirement Planning After Retrenchment: A Real-Life Case Study
Earlier this year, widespread job cuts were announced across various industries in Singapore. The technology and financial services sectors, in particular, were among the hardest hit. In [...]
How to Get Passive Income From Non-Dividend Paying Funds
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 [...]
The Basic Insurance Checklist For Retirees
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 [...]
Why I (and Warren) Think You Should Use Tracker Funds
In a recent webinar, I covered the merits of using Tracker Funds in your portfolio. They are gaining massive momentum and anyone looking for long-term returns MUST understand them. In the [...]
5 Traits Of A Good Investor
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 [...]
What The 2018 World Cup Can Teach Us About Purposeful Diversification
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. [...]
Index Funds: Step 12: Invest and Relax
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 [...]
Index Funds: Step 11: Risk Exposure
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 [...]
Index Funds: Step 10: Risk Capacity
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 [...]
Index Funds: Step 9: History
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 [...]
Index Funds: Step 8: Riskese
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 [...]
Index Funds: Step 7: Silent Partners
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 [...]
Index Funds: Step 5: Manager Pickers
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 [...]
Index Funds: Step 4: Time Pickers
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 funds so [...]
Index Funds: Step 3: Stock Pickers
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 [...]
Index Funds: Step 2: Nobel Laureates
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 [...]
Index Funds: Step 1: Active Investors
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 [...]
Enjoy the Rewards of a Citizen, But Bear the Responsibility Too
I am writing this column on a plane, on my way back home from Mauritius, having just finished 3 days of speaking engagement to a group of financial services people there. I have always enjoyed [...]
Chasing Returns In The Retirement Game
Over a business lunch recently, one senior gentleman was relating to me on how his private banker tried to sell him a financial product. It was an equity-based investment meant to give a certain [...]
When A Medical Crisis Breaks, Will You & Your Family Break Too?
Sometime in September last year, The Business Times reported that the average insurance coverage of a Singaporean is equivalent to only one year of his/her income. And according to an OCBC survey [...]
Can We Retire in Singapore?
A common question posed to me at conferences and panel discussions is: “Can we retire in Singapore?” It seems that many Singaporeans are worried that they can’t. So what does it take to retire in [...]
