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 […]
Stock Market Plunged: Should You Buy Or Sell Now?
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 number […]
How to Build a Low-Cost Income Investment Portfolio in Singapore with Little Capital
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 constructing portfolios which will make sense to local investors. Yes, there […]
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 […]
High Yield Bond: Why You Need It in Your Retirement Investment Portfolio
In this blog, I talk a lot about Income Generating Asset (IGA). Without passive income from these IGAs, you simply have no means to retire. If you have not allocated high yield bonds in your investment portfolio, you should read on. Many Singaporeans prefer dividend stocks for their retirements, it is a good strategy. The […]
Two Lessons to learn from Bill Gross
In Mar this year, the world most prominent bond fund manager, Bill Gross, dumped all his exposure to U.S. government holdings in his more than $240 billion Pimco Total Return Fund, the largest bond fund in the world. His rationale: Who Will Buy Treasuries When The Fed Doesn’t? To give you some background about Bill […]