You can’t live a modern financial life without credit. Having access to “credit” is your ability to obtain goods and services before you pay for them, based on the trust that you will make payment in the future. You may not realize that you have probably used credit many times in your life. For example, […]
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Bitcoin: Is It a Good Long Term Investment?
Filed Under: How to investTagged With: alternative investments, Asset Allocation, Bitcoin, Cryptocurrency, investment basics
Is Bitcoin a fad or the future? Is it worth long-term investment? Should you still buy it now at this price? These are the common questions that my clients and subscribers ask lately, and you probably want the answers too. I have wanted to write an article about Bitcoin on several occasions but I have […]

Kuaishou IPO Mega Listing – What It Means To The Stock Market?
Filed Under: Investment IdeasTagged With: China Stock Investment, IPO, stock investment
Hong Kong IPO fever is not over, yet. Kuaishou, the biggest rivalry of TikTok, is looking to raise US$5.4bn in Hong Kong IPO this week. Because of the failure of Alibaba’s ANT IPO which was valued at US$313 billion, Kuaishou’s IPO is going to be the world’s biggest internet IPO since Uber’s $8.1 billion U.S. […]

2021 NTUC Gro Capital Ease – Short Term Savings Plan (Cash & SRS) with 1.58% Guaranteed Yield
Filed Under: Endowment PlanTagged With: NTUC Capital Plus, NTUC Gro Capital Ease, Short Term Endowment Plan, Singapore Savings Bond, SRS
If you want to make your money work hard without taking investment risks, you can consider short term endowment plans. Short term endowment plans are insurance plans that provide a Guaranteed Return for a short policy term such as 2 years to 3 years. The insurance savings plan is protected under the Policy Owner Protection Scheme […]

When Will The Stock Market Bubble Burst?
Filed Under: Investment Ideas, Most PopularTagged With: Coronavirus, Income Investing, REITs Investing, Stock Market, stock market crash
The stock market is finally moving at its full speed towards an epic bubble. The signs are obvious: extreme valuation, explosive price increases, and investor’s hysterical behaviors to chase returns. But the challenge for any investor is not to spot the bubble, but rather to avoid the pains associated with a bubble. There are two […]

Singapore Airlines (SIA) First USD Bond
Filed Under: Investment IdeasTagged With: Bond Investment, Bond IPO, Income Investing, SIA Bond
Singapore Airlines’ (SIA), whose business was greatly affected by the global pandemic, is issuing its first US dollar bond today. SIA, whose biggest investor is Temasek, had in the past only carried out debt deals in Singapore dollars rather than US dollars. They have issued US$2.77 billion (S$3.7 billion) in five bond issuances in the […]
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CPF Interest Rate: Is it Really Guaranteed?
Filed Under: Know Your CPF, Most PopularTagged With: CPF Investment, CPF Life, Interest Rate
When it comes to retirement planning, you cannot ignore the Central Provident Fund (CPF). CPF is the default retirement solution for every Singaporean. Most people have some vague ideas about the system, but few people bother to dive deeper. A lot of people feel that since they have no authority …
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How Should You Handle A Recession?
Filed Under: Most Popular, Retirement PlanningTagged With: Buy And Hold, Global Financial Crisis, Income Investing, invest for retirement, stock market crash, US-China Trade War, Warren Buffett
If you are worried about recession in your retirement years, you should read this. In the course of my work as an independent financial adviser, I have done retirement planning for many people. In our initial discussion, most people tend to plan their retirement using very optimistic assumptions. …

Coronavirus: How Does It Affect Your Stock Investment Portfolio
Filed Under: Investment Ideas, Most PopularTagged With: Coronavirus, Income Investing, Investment Opportunities, Stock Market
The fear of the Wuhan virus is real, but sometimes emotions tend to cloud our judgements. I received several calls from anxious clients asking if the stock market is going to collapse and if the doomsday is coming. What is the real impact of world epidemics on the stock market? Should you …
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Is Singapore Spending Too Much National Reserves?
Filed Under: Investment Ideas, Most PopularTagged With: Bond Investment, Income Investing, Quantitative Easing, singapore budget, Singapore Savings Bond
Are we drawing down the national reserves too fast? With President Halimah’s assent, Singapore is withdrawing another eye-popping $31 billion from its reserves to fund Covid-19 support packages, you may justifiably wonder: “Is there a limit to this?” By now, Singapore has used close to $100 billion …
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3 rich mindsets you must have to achieve financial freedom
Filed Under: Financial Freedom, Most PopularTagged With: financial freedom, Wealth Secrets
I hate to say this, but we live in one of the richest countries on the planet and yet most of us don’t feel rich. We are living in a world where “rich become richer” and “middle class are sandwiched”. On my journey to pursue the best investment strategies and the smartest money management tips, I …
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Why Did The Stock Markets Rally Despite The Looming Recession
Filed Under: Investment Strategy, Most PopularTagged With: Buy And Hold, Coronavirus, Debt Crisis, Income Investing, momentum investing, Quantitative Easing, stock market crash, US Debt Crisis, value investing, Warren Buffett
The global stock market has just had an amazing rally in April despite a looming recession ahead. Do you feel puzzled and frustrated by this? Did you sell your stocks in March or were you waiting on the sidelines? The further we get into this global lockdown due to the COVID-19 pandemic, the …
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