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 […]
New Temasek Bond Issues – 50 years!
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 […]
NTUC Gro Capital Ease – Short Term Savings Plan (Cash and SRS) with 1.96% Guaranteed Yield
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 […]
Why Aviva Singlife Merger Is a Big Deal
By now you are probably aware that Aviva and Singlife are going to merge into one company. You may be wondering how it affects their policyholders and what is the impact of Singapore’s financial industry. Recently, I was interviewed by the Straits Times regarding my views on the merger. If you think about it, since the […]
Hong Kong IPO Fever is Back! Ready for ANT IPO?
How many of you still remember the famous Hong Kong show “The Greed of Man” (大時代)? The dramatic scene of the final battle between Ting Hai (丁蟹) and Fong Chin-bok (方展博) on the trading floor of the Hong Kong exchange was probably the childhood memory that triggered my interest in the stock market. Whatever political […]
Average Inflation Targeting – How It Kills Your Retirement Plans
If you are a retiree or planning for retirement, you need to understand inflation. And if you are wondering what will drive the direction of the stock market in the near future, it is not the historical high of the Nasdaq stock index or a new vaccine, it will be the “average inflation targeting”. Inflation […]