A low-cost income investment portfolio is crucial for retirement planning. Without a portfolio of income-generating assets for passive income, you will never achieve financial freedom. But there are some practical issues to consider. As an independent financial adviser, I spend a lot of time constructing portfolios which will make sense to local investors. Yes, there […]
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How to Invest Your SRS Account: The Complete Guide
Supplementary Retirement Scheme (a.k.a. SRS) is not strange to most Singaporeans. It is a deferred tax scheme which helps you save for the future while reducing your tax expenses now. If you are mid to high-income earners, SRS is a great way to save tax in addition to CPF top-up tax relief. For example, if […]
3 rich mindsets you must have to achieve financial freedom
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, […]
3 Myths of Bond ETF Investing and Why I Give It a Miss
I always have my reservation of investing bonds using a Bond ETF. The bond market is a big boys game, it is dominated by large financial institutional players, which means retail investors like you and I have nearly no “edge” when playing the same game. When Astrea IV bond was launched last month, I knew […]
How to find Singapore High Dividend Yield stocks in 5 minutes
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 bucks before you can jump onto the wagon of stock […]
Universal Life Insurance: How it fits into your legacy planning and retirement planning
Universal life insurance is one of the best solutions for legacy planning and retirement planning. It provides guaranteed returns and liquidity in a volatile time like now. But universal life insurance is a very complexed and highly customizable product too. That is why it is often poorly advised, if not mis-sold. As a licensed independent […]
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Endowment Plan: NTUC Capital Plus New Tranche Offers 2.13% Guaranteed Yield (CSN4)
NTUC Capital Plus is a very popular short-term single premium savings plan in Singapore with Guaranteed interest. The insurer NTUC INCOME has just launched a new tranche CSN4 with a 2.13% yield. What is NTUC Capital Plus NTUC Capital Plus is for people who want to save for short term but …
Stock Market Plunged: Should You Buy Or Sell Now?
The recent stock market crash may have wiped out several years’ worth of your investment returns. I know you are in pain. But do you know covid-19 is not the real culprit of the stock market plunge? It is something else. I guess that your level of pain is probably negatively correlated to the …
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Does Your Insurance Cover Novel Coronavirus COVID19 – A Comprehensive Guide
The new Coronavirus Covid-19, commonly known as Wuhan virus, has certainly spread fears globally. With the increasing number of the death toll and affected people, have you wondered if your insurance is a line of defence of your family’s wealth? After all, you have purchased the insurance to protect …
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New Coronavirus Outbreak: Why The Stock Market Will Recover Sooner Than You Think
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? …
Coronavirus and US Debt Crisis – When Black Swan Meets Grey Rhino
At the beginning of every month, I send an investment letter, the GMC Notes, to all my clients. The purpose of sharing this is to document my thinking process, both right and wrong, during my investment journey and also invite constructive discussion so we all can learn from each other. Note this …
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Coronavirus: How Does It Affect Your Stock Investment Portfolio
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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