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 […]
In Singapore, basic health insurance needs are covered under the CPF Medishield scheme, you can upgrade your basic Medishield Life to private insurers for better coverage. These plans called private Integrated Shield Plans (IPs). In this article, I will explain what Medishield Life is and how the integrated shield plans work.
What makes a good investor? Legendary investors such as Warren Buffett or Peter Lynch may be the first person who comes to your mind. It is hard to argue against their success, but I wonder how many retail investors (even the professional ones) have the same discipline, focus and patience to stay the course through […]
There is a myriad of ways that an investor can approach stock picking. Some people prefer to find hidden gems by going through a company’s balance sheets, others prefer to rely on price chart analysis. Yet another class of traders may be value-based investors. In this article, we will be focusing on a fundamental based […]
Real Estate Investment Trusts (REITs) investing is an important component in Singaporeans’ retirement portfolio. Many people buy REITs with the intention to keep for their retirement years. But just as “company privatisation“, REITs merger becomes a new norm in today’s market. Recently, Viva Industrial Trust (VIT) and ESR-Reit announced a proposed merger to create Singapore’s fourth largest […]
How often do you hear people talk about “5 safest stocks for your retirement income” or “permanent stock portfolio”? What if the company wants to take back the chips and does not allow you to trade their stocks any more? I have repeatedly said in my blog that you have no control over long-term investment. […]