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Insurance Investments Retirement Planning Estate Planning CPF Matters Others



14th January 2020
How Much Life Insurance Do You Really Need?

Everyone needs insurance, whether you are a young working adult, a new parent, a home maker or a retiree. ...


20th November 2019
Banking on Your Employee Benefits Insurance? Think Again.

Most employees do not pay attention to their employee benefits insurance until a medical claim arises. And there are those who think they have adequate coverage given by the company, without checking exactly what they are covered for. ...


14th October 2019
4 Steps To Mitigate Caregiving Risk

In the past twelve months, I came to know of 4 families who have ailing parents. A common issue faced by the families was who should be the primary care giver and how the financial burden ought to be divided amongst the siblings. ...


27th August 2019
Retirement Age in Singapore to Go Up

The statutory retirement age will be raised from 62 to 63 in 2022 and to 65 by 2030. Re-employment age will also go up from age 67 now to 68 in 2022, and eventually to 70 by 2030. With rising longevity, this is in inevitable decision by the government. ...


20th August 2019
6 Reasons Why Annuity is a Good Fit In Your Retirement Plan

Whether you are a young working adult, a parent with young children, someone close to retirement or an investment-savvy person, an annuity or a retirement income plan has an important supplementary role to play in your retirement plan. ...


12th July 2019
Singapore Annuity Plans

If you have read about retirement planning in Singapore, you would have come across the terms ‘annuity’, ‘annuity plan’ and ‘private annuity’ or what insurers call a retirement income plan. ...


17th December 2018
Gift Yourself A Year-End Financial Checkup

As we start to get busy with the festive preparation, it can be tough to find time to organize and review your financial life. But if not now, then when? ...


22nd October 2018
Should you withdraw CPF cash at age 55?

Do not leave your retirement to chance. A comfortable retirement can be achieved with thoughtful planning ahead of time. ...


15th October 2018
Detoxify Your Financial Health

A financial ‘detoxification’ helps to flush out the wastages and overlaps in your financial portfolios. ...


3rd September 2018
Do You Have A Retirement Plan in Place?

When was the last time you took a hard look at your retirement plan? Or do you not have one yet? ...


3rd July 2018
3 Compelling Reasons Why A Multi-pay Critical Illness Cover Is Your Best Bet for Comprehensive Protection in Singapore

Even the fittest and most health-conscious individuals are not spared from diseases and illnesses. They can strike when least unexpected. ...


15th May 2018
In Two Minds About Enhancing Your Long Term Care Protection? Here are 5 Facts That You Can't Ignore!

ElderShield is a severe disability insurance plan which provides basic financial protection for long-term care. ...


10th May 2018
How Do You Envision Your Dream Retirement?

Jetsetting around the world? Doing more charity work? Pursuing a hobby? Or continuing to work on a part time basis because you are passionate about what you do? ...


3rd May 2018
Singaporeans are Critically Lacking in Critical Illness Protection. Are you one of them?

Question: What is adequate protection in the event you suffer from a major illness like cancer, stroke or a heart disease? ...


23rd April 2018
ILPs and Escalating Insurance Charges

I have a handful of clients whom have bought regular premium Investment-Linked Insurance Policies (ILPs). All of them are unaware of the escalating insurance (or mortality) charges as they have never been informed of these charges when they were sold the plans. ...


18th April 2018
Investment Linked Products (ILP) in Singapore - A Ticking Time Bomb!

The Straits Times article “Insurance ‘Time-bomb’ Set To Explode, Investment-linked policies incur rising costs which buyers may not be aware of” published on February 12, 2005 never quite left my mind. The headlines immediately caught my eyes back then, before I entered the financial advisory industry. ...


30th March 2018
Financial Planning for Women in Singapore

Budgeting, cash flow management, retirement planning, being adequately protected for the unexpected like critical illness, long term care are all part of financial planning. And it is vital that women remain financially agile and independent as we age. Longevity is not something we choose. What is within our control is to plan adequately for it. ...


28th February 2018
One More Reason Why You Need Disability Income Insurance

As I have shared with you in my earlier post, claiming from Disability Income Insurance (DII) is less stringent than from a plan with a Total and Permanent Disability (TPD) definition (loss of use or physical severance). What you may not know is this - there are conditions that can incapacitate you from working and they need NOT be a critical illness or a TPD. ...


26th February 2018
Disability Income Insurance in Singapore

9 out of 10 people I speak to have not heard about Disability Income Insurance (DII). They assume that Total and Permanent Disability (TPD), which almost all of them have in their life coverage, is the blanket disability definition across all life insurance products. But they are wrong. ...


9th February 2018
The Top 4 Priorities in Every Single Woman’s Financial Planning

In my decade long experience as a comprehensive financial planner, I have had the privilege to serve a number of single women professionals who are highly driven and successful in their careers. I have come to appreciate the fact that single women have needs, financial goals and aspirations that are different from say, a married woman with young children. ...


2nd February 2018
Is Maternity or Pregnancy Insurance Necessary for You?

Many newly wedded women are new to the idea of maternity or pregnancy insurance. Women who are already pregnant also do not give much attention to this type of protection. The cost of not being informed can be great, especially, when things don’t turn out the way they should. ...


24th January 2018
What Can Singapore Do to Improve the Financial Literacy of Its People?

Just thought of sharing with you that my ideas on a subject I am passionate about have been published in the Straits Times on May 7, 2015 on page 29. Here’s a copy of my write-up as it appeared in the newspaper. ...


22nd January 2018
Using Insurance to Supplement Retirement Funding Needs

This article is another timely reminder for us all to ensure that we have given due attention to retirement planning. The topic of retirement planning never goes ‘out of fashion’. ...


17th January 2018
What is Estate Planning?

Estate planning is the process of arranging the distribution of the assets of a person when he or she passes away. The word ‘estate’ means net worth of a person in life as well as after passing away. ...


15th January 2018
A Lasting Power of Attorney Can Save Much Agony

Wealth distribution (estate planning) is an important component of comprehensive financial planning. The intentions of how one’s assets are to be distributed are captured in legal structures like Wills and trusts. ...


10th January 2018
9 Ways To Tackle Inflation

Though the statistics for November 2017 Consumer Price Index reports inflation at less than 2% (source: Singapore Department of Statistics), inflation is here to stay and it has a direct impact on our purchasing power and hence, our current and future lifestyle. ...


9th January 2018
Can InsurTech Replace Financial Advisors?

Based on the current offerings by InsurTech platforms in the insurance industry, Mr Poh, a Senior Financial Services Director with an FA firm, shared that the degree of disruption is nominal. Most of the platforms offer little or no cost savings...


13th December 2017
PART 3 - Secure A Comfortable Retirement by Avoiding These 12 Mistakes

Invest too aggressively and you could end up losing all your hard earned savings. Invest too conservatively and your money dwindles in value because of inflation. Consider your risk profile and investment time horizon to retirement and achieve sufficient diversification. ...


13th December 2017
PART 2 - Secure A Comfortable Retirement by Avoiding These 12 Mistakes

It takes just one serious health crisis to severely drain you of your finances. Going into debt because of health care expenses is certainly something we want to avoid at all costs. When creating your retirement plan, it is critical to make provision for these 2 things: ...


11th December 2017
PART 1 - Secure A Comfortable Retirement by Avoiding These 12 Mistakes

A well deserved, comfortable retirement is what we all look forward to in our golden years. Needless to say, the stakes are high and any mis-steps along the way can cause our plan to derail - from independence, joy and freedom to poverty, dependence, and penny pinching. For a financially worry-free retirement, you need to avoid these costly mistakes. ...


4th December 2017
Gift Yourself A Year-End Financial Checkup

As we start to get busy with the festive preparation, it can be tough to find time to organize and review your financial life. But if not now, then when? It may seem easier to postpone it till the first quarter of the New Year, but your financial health deserves your undivided attention as well. ...


30th November 2017
9 Tips for Smart Spending During the Holidays

It’s the year end holiday season once again! Time for celebrations and gifting friends and family. Before the joy of giving turns into a financially stressful situation for you, why not invest a little time to plan your spending? Having that clarity will allow you to make wise choices without overspending. ...


18th November 2017
Pay Yourself First

Whether you belong to the sandwiched generation or not. This is one of the key principles of personal finance and it has significant impact on your financial future. ...


17th November 2017
Which CPF Life Plan Best Suits Your Needs?

Each of the 3 different CPF Life plans - Basic, Standard, Escalating - provides a different bequest amount (for your beneficiaries) and payout. When selecting the plan that is most appropriate for yourself, you will need to consider your overall financial portfolio. ...


15th October 2017
Comparison of Retirement Income Plans in Singapore Is Not Quite Accurate

The article titled "Retiring Right ... and picking a plan that fits you" published in the Sunday Times Insight Section on 17 April 2016 had shared some information on the various retirement income plans available in the market and how they compared with one another (see table in article). ...


15th October 2017
Retirement Planning in Singapore: Which Retirement Income Plan Best Fits You?

What is best for one person does not mean it is suitable for you. Here are 4 things to keep in mind when selecting a retirement plan for yourself. ...


5th October 2017
Conventional Critical Illness Coverage or Early Critical Illness Coverage?

Which type of critical illness plan is suitable for me - conventional or early critical illness coverage? Should I go with a single-pay or a multi-pay critical illness plan? How much coverage should I go for? ...


22nd September 2017
What Is Eldershield Insurance All About?

I’ve been asked a lot what the national ElderShield scheme is about. Eldershield was first launched by the MInistry of Health (MOH) in September 2002. The fact that the government made it an ‘opt-out’ (i.e. automatically enrolled) scheme...


11th September 2017
The 4 Financial Management Habits That Successful People Practise Faithfully

What is financial planning? The typical response I get is “Buying insurance and investing to grow my money”. That is somewhat right. You see, before we even delve into risk management...


25th August 2017
9 Reasons Why We Need A Financial Advisor

A question that some prospects ask me is: “Do I really need a financial advisor? I think I am quite good with numbers and have jotted down my expenses, assets and liabilities in a spreadsheet."


24th July 2017
The Need To Secure Your Long Term Care

We all have the option to use our Medisave money optimally - that is to secure ourselves with the best integrated Medisave-approved hospital and surgical plan and ElderShield supplement.


20th July 2017
Do You Have Adequate Critical Illness Insurance?

The Straits Times published an article “AIA survey uncovers 3 gaps in CI coverage here” on 22 August 2016. I'm not surprised by the survey findings. In my decade long financial planning practice, I have...






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