If you want to invest for retirement, you are facing an uphill task. Most investment strategies will never help you reach your retirement goals. The reason is simple, they are investment strategies, not retirement strategies. You need to understand that investing for wealth and investing for retirement are not the same thing. I wish I […]
Investing for Retirement: Why you should not over-rely on REITs investment
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 […]
Singapore Savings Bonds – Why I Am Not so Excited About It as Retirement Option
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 […]
3 Myths of Bond ETF Investing and Why I Give It a Miss
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 […]
STI ETF Investing: 3 myths busted
If you want to invest for retirement, you will often come across investment advice to invest into STI ETF. The typical pitch is like these: You should buy STI ETF because passive investing beats active investing in the long run You should buy STI ETF because it is cheaper than unit trust, which you have […]
3 Stages you need to Achieve Financial Freedom and Early Retirement
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 […]