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 […]
Endowment Plan: NTUC Capital Plus New Tranche Offers 2.15% Guaranteed Return (CPN36)
NTUC Capital Plus is a very popular short-term savings plan in Singapore with Guaranteed interest. The insurer NTUC INCOME has just launched a new tranche CPN36. This tranche is a 3-year non-participating, single premium endowment plan Guaranteed returns of 2.15% p.a This plan also provides protection against death, and total and permanent disability (TPD) during […]
How to Invest Your SRS Account: The Complete Guide
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 […]
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 […]
Consider bond investment when the stock market is high
You know it, the stock markets have reached an all-time high. If you are like most investors, you probably feel a bit jittery about this. Will there be a market crash soon? If you do not invest in stocks, where can you put your money? Today I will talk about bond investments, the stable source […]
What is the Best Endowment Plan in Singapore
Where can you put your money to grow your retirement fund and yet sleep well? Here is what happened with prolonged low-interest rate environment in the past decade. The property prices are at ridiculous level and beyond your reach Your living expenses increase year by year Your salary increment cannot keep up with inflation You […]