Rebalancing – A Great Way To Eliminate Bad Decision Making
Most investors face a dilemma in correct decision-making: when to buy, when to sell, what to buy, what to sell, how much to buy or sell, and at what price! What if I told you that there is a way by which you could take profits when markets are high, and invest when prices are […]
Not Sure About Contributing to SRS? Consider These Pros And Cons
Thinking of contributing to the Supplementary Retirement Scheme (SRS) to enjoy tax reliefs while building up another source of retirement savings? Here are some pros and cons you may wish to keep in mind when making your decision. What are the benefits of contributing to SRS? 1. An additional source of retirement income In addition […]
Are Dividends Important?
Many investors like dividends. They see it as a regular source of income from their investments. But what are dividends? Dividends are the portion of earnings that is given back to the shareholders of a company or fund. Unlike bank interest or bond coupons, dividends are not guaranteed. Yet, some companies and funds are well-suited […]
Is it A Good Time To Invest Now? When Is It A Good Time?
The short answer is: yes. Just about any time is a good time to invest, as long as: The portfolio asset classes are inherently liquidBy liquid, we mean it is easy, quick and inexpensive to transact (buy and sell) at current prices. Stocks, bonds, and funds that are widely held in developed financial markets are […]
Comments on Business Times article “Break the Bias On Female Investors”, 28 February 2022
Comments on Business Times article “Break the Bias On Female Investors”, 28 February 2022 Women should not have preconceived notions that they don’t make good investors, or are too risk averse. The first step is to simply start the journey – keeping an open mind, and willing to learn the right lessons. Women, in fact, […]
6 Behavioural Biases That Can Impact Your Investment Decisions
6 Behavioural Biases That Can Impact Your Investment Decisions Everyone has biases. Though we like to think we are rational human beings, the truth is we all have biases that influence the way we view the world and make judgements about people, opportunities, government policies and also investing. In fact, we are susceptible to a […]
8 Ratios that Will Reveal Your Current Financial Health
8 Ratios that Will Reveal Your Current Financial Health Financial statements, specifically cash flows and balance sheets, can tell a lot about one’s financial position. To an even greater extent, personal financial ratios are useful benchmarks to help you evaluate your financial strengths and areas that need improvement. These benchmarks can help you to develop […]
Why is it important for women to close the financial literacy gap today?
Why Is It Important For Women To Close The Financial Literacy Gap Today? Financial literacy is the key to good money decisions. And good decisions are needed for financial stability and independence which are crucial in Singapore. We are, after all, not a welfare state and we are encouraged to secure our own resources for […]
Is the Supplementary Retirement Scheme (SRS) Worth Your While?
Is the Supplementary Retirement Scheme (SRS) Worth Your While? What is the Supplementary Retirement Scheme? The Supplementary Retirement Scheme (SRS) is a voluntary saving scheme to encourage individuals to save for retirement, over and above their CPF savings. As a sizeable portion of CPF money is often used for the down payment and to service […]
Investment Linked Products (ILP) in Singapore – A Ticking Time Bomb!
Investment-Linked Insurance Plan: 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 Independent Financial Advisory (IFA) industry. […]