If you are a global investor, you need to pay attention to China’s tech companies. In my previous article, I talked about the Hong Kong IPO fever this year and highlighted the Ant IPO. The IPO prices for both Shanghai and Hong Kong legs are finally set. If you are interested in Ant IPO, here […]
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If you are investing for retirement, you need passive income to cover your expenses. But safe and consistent income is hard to come by nowadays. The ugly truth about retirement is that the traditional way of generating income doesn’t work anymore due to the modern loose monetary policies. While the low-interest rate is great to […]
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, […]
CPF is one of the most important assets for retirement planning in Singapore. But it is often under invested. Although CPF board pays you an almost guaranteed interest rate for your savings, you can still invest your CPF to earn a potentially higher return. There are a variety of instruments approved for CPF investment, such […]
Would you buy a 50 years bond with only 2.7% interest? Probably not. But when Temasek issues such bonds, they are oversubscribed. I explained before that contrary to many false beliefs, Temasek doesn’t invest CPF’s money, given the good reputation, they have their own way of sourcing for cheap funds. And this is a good […]
If you want to make your money work hard without taking investment risks, you should 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 […]
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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 …
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 …
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 …
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 …
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? …
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 …
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