For a very long time, Singaporeans were deprived of investing in good financial products. Bond has always been the cornerstone of financial institutions and high net worth individuals’ investment portfolio. However, most bonds in Singapore had a high entry barrier such as $250,000 which makes it exclusive to the wealthy. When retail investors battling in stock […]
If you are considering various ways of investing for retirement, you will often come across investment advice telling you to invest in the STI ETF (Straits Times Index Exchange Traded Funds). The typical pitch goes like these: You should buy the STI ETF because passive investing beats active investing in the long run. You should […]
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 […]
We all dream about financial freedom. We all want to keep up our lifestyle after or even before we retire, and to continue enjoying the things we are passionate about without worry about money. But for many people, that often stays a dream. What are the steps to turn that dream into reality? On contrary […]
The only way to retire in Singapore is to own Incoming Generating Assets. I have discussed how you can use optimally leveraged and discounted property to generate good income for your retirement. However, there is a problem. While Asian investors are still trying to catch the last train of purchasing physical properties, the ultra-rich from the […]
Do you want to pay less income tax and save more for the future? If so, you should pay some attention to Supplementary Retirement Scheme (a.k.a. SRS). Unlike popular CPF retirement scheme, many people have not even heard of SRS. In this article, I will explain What is SRS and what are the benefits of SRS contribution How to make […]
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If you want to build a portfolio and invest for retirement, should you buy more stocks during a financial crisis? To many novice and professional investors alike, it sounds like a good idea. After all, stocks always go up higher in the long term, right? So buying stocks at a hugely discounted …
On 27 December 2019, the Ministry of Health Singapore announced changes to MediShield Life claim limits for surgical procedures, which will take effect from 1 January 2020. The following table shows the revised MediShield Life structure and claim limits for surgical procedures. …
Is 2.5% guaranteed return per year good or bad? It is subjective. The interest rate has been declining globally for more than a decade, and it has a tremendous impact on our daily lives. We are in an environment where savers lose and gamblers win. Skyrocket property price and Hong Kong unrest can …
You may have heard of the Supplementary Retirement Scheme (a.k.a. SRS). It is a deferred tax scheme to help you save more for your retirement and reduce your taxable income. It plays a complementary role to CPF Life for your retirement year. You can top up $15,300 if you are a Singaporean or …
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 …
Do you want to pay less income tax and save more for the future? If so, you should pay some attention to Supplementary Retirement Scheme (a.k.a. SRS). Unlike popular CPF retirement scheme, many people have not even heard of SRS. In this article, I will explain What is SRS and what are …
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