Happy National Day weekend! As we all know, this year’s national day celebration is going to be quiet. Covid-19 pandemic has not only changed our lives today, but it will also alter the way we live and work in the years to come. To help you prepare for the future, I am offering a 50% […]
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The gold price has soared beyond the record of US $2,000 per ounce. The rally is so strong that it spilled over to the silver market. Silver rallied from $18 per ounce to $26 per ounce, a 44% rally in a month. Now the questions are, “How high can the price of gold and silver […]
It is often said that the financial market is like a battlefield between David and Goliath, it is a war between the small-time retail investors (the “dumb money”) and the mighty institutional investors (the “smart money”). The retail investors did lose money most of the time because unlike David, they underestimate their opponents. Thanks to […]
We were on the verge of the greatest retirement crisis in history and COVID-19 just triggered it. In the decades to come, globally, we will witness hundreds of millions of people slipping into poverty in their retirement years, not because they lost money in the stock market, but because they saved. Why? If you are […]
If you want to receive Guaranteed Return without locking in your capital for long, you should consider a short-term endowment plan. An endowment plan is the simplest form of investment. You pay a premium to the insurer who promises you a guaranteed return in a fixed number of years. In the past couple of years, […]
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 from its reserves to fight the “deepest economic crisis […]
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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 …
The new 2019 Novel Coronavirus, also known as the Wuhan Virus, has occupied much of our thinking in recent days. And if you invest in stocks, you have a lot to worry about. Is the world economy going to collapse due to the broken supply chain? Is the global stock market facing a meltdown? …
If you want to invest for retirement, you are facing an uphill task. Most investment strategies will never help you reach your retirement goals. The reason is simple, they are investment strategies, not retirement strategies. You need to understand that investing for wealth and investing for …
Dividend-paying stocks are the most popular investment products among Singaporeans to plan for retirement. After I published this article last week, many readers want to know what are the tools available to choose dividend stocks efficiently. Gone with the days when you have to fork out big …
For most Singaporeans, unit trust is the best investment instrument to start with. But why so many people lost money in unit trust investment? Because most people chose the wrong funds. If you want to make money, you need to know how to choose the right unit trust for yourself. It is unlikely …
If you were to look only at the stock market and nothing else, you’d probably have no clue that millions of people just lost their jobs, hundreds of global companies are filing bankruptcies and yes, we are still in a global coronavirus pandemic. Why do the stock markets ignore all the bad news? …
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