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 […]
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, […]
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 […]
Real Estate Investment Trust, a.k.a. REIT, is a popular income generating investment nowadays. It is also one of the 5 core Income Generating Assets that I recommend for retirement planning. But the risks of investing in REITs are not well understood. In the course of my work, I realize many people have these common misconceptions: I […]
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 that you […]
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 […]
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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 …
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 …
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 …
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? …
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 …
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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