This is my 10th year in the industry.I was sharing this fact with a client recently, and he asked me, '๐ช๐ต๐ฎ๐ ๐ฑ๐ผ ๐๐ผ๐ ๐๐ต๐ถ๐ป๐ธ ๐ถ๐ ๐๐ต๐ฒ ๐๐ฒ๐ฐ๐ฟ๐ฒ๐ ๐ผ๐ณ ๐๐ผ๐๐ฟ ๐๐๐ฐ๐ฐ๐ฒ๐๐?'It's always great when clients hit you with some revelatory question that forces me to take a step back and ponder.After taking a moment, I answered [...]
"I've never had this much cash and investments in my life!" Just celebrated a big victory with my client last night.When we started our journey together since 2019, he was not in the best of state. He had debts, hardly any savings and no investments at all.While some consultants may choose not to work with [...]
"๐ ๐ฎ๐บ ๐๐ต๐ถ๐ณ๐๐ถ๐ป๐ด ๐ฎ๐น๐น ๐บ๐ ๐ฐ๐๐ฟ๐ฟ๐ฒ๐ป๐ ๐ฏ๐ฎ๐ป๐ธ๐ฒ๐ฟ'๐ ๐ถ๐ป๐๐ฒ๐๐๐บ๐ฒ๐ป๐ ๐ผ๐๐ฒ๐ฟ ๐๐ผ ๐๐ผ๐."That is probably one of the greatest validation I have gotten in recent days.My client went on to explain that, '๐๐ผ ๐๐ผ๐ ๐ธ๐ป๐ผ๐ ๐๐ต๐ฎ๐ ๐บ๐ ๐ฏ๐ฎ๐ป๐ธ๐ฒ๐ฟ ๐ต๐ฎ๐ ๐ฏ๐ฒ๐ฒ๐ป ๐ฏ๐ฎ๐ฑ-๐บ๐ผ๐๐๐ต๐ถ๐ป๐ด ๐๐ผ๐ ๐ฎ๐น๐น ๐๐ต๐ฒ๐๐ฒ ๐๐ฒ๐ฎ๐ฟ๐?'These were his exact words, and I do know it as previously, this [...]
๐ฏ ๐ฟ๐ฒ๐๐ถ๐ฟ๐ฒ๐บ๐ฒ๐ป๐ ๐๐ฝ๐ฒ๐ป๐ฑ๐ถ๐ป๐ด ๐๐๐ฟ๐ฝ๐ฟ๐ถ๐๐ฒ๐ ๐ณ๐ผ๐๐ป๐ฑ ๐ฏ๐ ๐๐ฃ ๐ ๐ผ๐ฟ๐ด๐ฎ๐ป ๐ฎ๐ณ๐๐ฒ๐ฟ ๐ฎ๐ป๐ฎ๐น๐๐๐ถ๐ป๐ด ๐บ๐ผ๐ฟ๐ฒ ๐๐ต๐ฎ๐ป ๐ฑ๐ ๐ต๐ผ๐๐๐ฒ๐ต๐ผ๐น๐ฑ๐ ๐ถ๐ป ๐๐บ๐ฒ๐ฟ๐ถ๐ฐ๐ฎ.While this may not directly translate to Singaporeans, but I do think that meaningful lessons can still be learnt.Here are the 3 surprises found:๐น ๐ญ. ๐ง๐ต๐ฒ๐ฟ๐ฒ ๐ถ๐ ๐ฎ ๐น๐ถ๐ณ๐ฒ๐๐ถ๐บ๐ฒ ๐๐ฝ๐ฒ๐ป๐ฑ๐ถ๐ป๐ด ๐๐ฟ๐ฒ๐ป๐ฑ.The study found that there is a general trend on [...]
Warren Buffet releases a letter to his Berkshire Hathaway's shareholders every year to update them and to remind them on the business of Berkshire. And we can always learn lots from his insights on investments. It is actually not a very long letter, but for those who do not have time to read through the [...]
With the recent budget 2022, there are several major changes in the CPF scheme for all Singaporeans and PR. You should be aware of these as they will potentially impact you. 1. Increased tax relief from $7,000 to $8,000 per year on cash top-ups The tax-relief cap on CPF cash top-ups to your own Special [...]
If you are a privilege or private banking client with a bank, you should have been broached with the idea of purchasing a structured note, or an Equity-Linked Note (ELN) with the cash savings you have. On the surface, it sounds really attractive, but what exactly is this instrument about and why do you need [...]
Did you know that February 4thย is World Cancer Day? The theme for 2022-2024 is Close the Care Gap. The initiative is a catalyst for personal, collective and governmental actions worldwide, to raising awareness of cancers, preventing millions of cancer-related deaths and providing equal access to cancer care. Every single one of us has the ability [...]
I recently had some issues with my gastrointestinal tract and the specialist felt that I should go for an Endoscopy and a Colonoscopy to get it thoroughly checked out. Just thought I would share the costs with everyone as well as my experience. So first things first, if you do require such a procedure, and [...]
The Singapore pension scheme is pretty complex and especially if you are slightly older, there are more options for you to choose from. One of the main questions I get is which scheme is more appropriate? At this point, there are 2 different schemes that one can potentially choose from depending on your age, namely: [...]
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