Does it make sense to rent or own your property in Singapore today? Is paying rent similar to throwing some of your money away? The above two are “Yes or...

I was recently interviewed by Her World magazine (June 2022 issue) on an article titled “Dealing with Debt”. The subtitle reads: “Many millennials are finding themselves stuck with unimaginable debt....

6 Actionable Ideas about Personal Finance that Resurfaced during the 2020 Coronavirus Pandemic It has been almost a year since the World Health Organisation (WHO) declared the coronavirus outbreak a...

It’s once again “SRS (rush) season”. The last day to contribute to the Supplementary Retirement Scheme is 31st December 2023.  The Supplementary Retirement Scheme (SRS) complements the Central Provident Fund...

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,...

Recently, someone forwarded a well-meaning message to me on Whatsapp.  Here it goes: 9 Personal Finance Rules We Should All Better Know 1) Rule of 72  2) Rule of 70 ...

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...

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...

One key take away from the current inflation environment is that low inflation is by no means guaranteed. Inflation will never go away. But what you and I can do...

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...

I had the privilege to be interviewed again for Her World, this time in the December 2023 issue. The title of the article is “Trusting AI With Your Money”. I...

Let us take a look at an example. Mr. Andrew Tan is age 35. He is married to his homemaker wife, Susie, and they have two young sons who are...

Can InsurTech Replace Financial Advisors? The article “The Incumbent vs the Disruptor: How Much Has Changed?” published in the Asian Insurance Review dated September 2017 was an interesting read. It explores...

https://www.youtube.com/watch?v=L7aG51646v0 I was recently interviewed by Channel NewsAsia for a segment on their Money Mind TV program that is aired every Saturday at 8:30pm. The focus of the interview was...

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...

Singapore’s overall inflation rises to 3.2% year-on-year in October 2021. This news has been quite startling for many of us. Singapore has not seen a 3+% year-on-year increase in living...

Singapore’s Budget 2024 speech by DPM Lawrence Wong on 16 February  revealed significant CPF changes, in particular the closure of CPF Special Account (SA) after age 55, starting from 2025...

Detoxify Your Financial Health A friend and client recently went on a 5-day detoxification program. He had only lemon juice diluted with water and sweetened with maple syrup throughout the...

I have been asked this question quite a lot in the past 6 months. Hence, I thought it would be good to explain the differences in an article. A quick...

Financial planning, at its core, is a deeply philosophical activity. Here’s how: Values and Purpose: Financial planning forces us to confront our deepest values and life goals. It raises questions...

Financial Planning for Women in Singapore The Straits Times article “Why Women Need to Focus on Financial Planning” published on March 4, 2018 reiterated how important it is for us...

Gift Yourself A Year-End Financial Health Check-Up As we start to get busy with the festive preparation, it can be tough to find time to organize and review your financial...

Let's Talk About Your Money Mindset - It Matters More Than You Think!

What is investor risk profiling?  It is the process of figuring out what is the tolerance or appetite for risk that an investor has, in a reliable & quantifiable manner,...

On 7 February 2024, Business Times published a news article titled “Singapore’s median household income up 2.8% In real terms in 2023”. This is good news for Singapore residents! An...

I was recently interviewed by the Chinese newspaper Lian He Zao Bao, for an article on women and caregiving that was published on Sunday, 10 April 2022. The translated title...

This headline in The Straits Times caught my eyes back in April this year. Ms. Koh is a bile duct cancer patient. She is insured under a Great Eastern Integrated...

With the significant relaxation of Covid-19 protocols, many of us are already making plans to travel with family and friends. In this article, I will share with you how you...

Let's Talk About Your Money Mindset - It Matters More Than You Think!

Life Stage Planning – Make Financial Planning Part of Life Planning Just like how financial markets fluctuate, your finances and financial needs will also change with time. Fortunately, it is...

Happy New Year, my dear friends! Wishing you a great beginning to a year brimming with endless possibilities and positive experiences! Starting the year on the right note involves reflection...

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...

Warren Buffett, the greatest investor in the world, says that it is wise for investors “to be fearful when others are greedy and to be greedy only when others are...

Pay Yourself First It’s family before self for most Singaporeans, as this article in The Sunday Times, 29 October 2017 reported. Pay yourself FIRST. Whether you belong to the sandwiched generation...

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...

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...

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...

What is an executor and what does it mean to be an executor of a will? It is an honour to be chosen as an executor of someone’s will. It...

What To Know About Emergency Fund It is no surprise that when life presents an emergency, it threatens our financial well-being and causes stress. Being prepared with an emergency fund...

When we talk about private annuities, it is more often than not that Singapore’s national pension scheme, the CPF Lifelong Income For the Elderly (a.k.a CPF LIFE), will be part...

For the Her World August issue this year, I had the privilege to contribute to a story titled “Are You Ready To Leave The Family Nest?”. The article also highlights...

For investors with a time horizon beyond a few years, even Fed decisions can amount to just noise

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...

Why Young Adults Need To Start A Financial Plan Now The end goal of financial planning is to be able to enjoy a worry-free, comfortable retirement. Wouldn’t you agree with me?...