WHAT THIS SITE IS ABOUT

This is the personal website of James Lim, an established financial consultant who is serving hundreds of happy clients. Through this site, he hopes to keep his clients and new prospects updated on latest developments that will impact their financial plans. This site will also give potential clients a good idea of who James is and how he can help them achieve their financial objectives.

ABOUT ME

James Lim started out working in the government, before going on to found and run a highly successful IT company for about 10 years. He moved into the finance industry in 2016 and has since become a member of the prestigious Million-Dollar Round Table. He builds his business on the foundation of integrity and trust, which is why most of his clients have placed their investments and financial plans with him.

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CPF

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Is it Worth Risking Your CPF?

By | 2026-08-21T02:14:03+00:00 August 21st, 2026|CPF, Investment|

๐—ง๐—ต๐—ฒ ๐—ฟ๐—ฒ๐—ฐ๐—ฒ๐—ป๐˜ ๐—–๐—ฃ๐—™ ๐—ฐ๐—ต๐—ฎ๐—ป๐—ด๐—ฒ๐˜€ ๐—ด๐—ผ๐˜ ๐—บ๐—ฒ ๐˜๐—ต๐—ถ๐—ป๐—ธ๐—ถ๐—ป๐—ด ๐—ฎ๐—ฏ๐—ผ๐˜‚๐˜ ๐˜€๐—ผ๐—บ๐—ฒ๐˜๐—ต๐—ถ๐—ป๐—ด ๐—œ ๐˜€๐—ฒ๐—ฒ ๐—พ๐˜‚๐—ถ๐˜๐—ฒ ๐—ผ๐—ณ๐˜๐—ฒ๐—ป ๐˜„๐—ถ๐˜๐—ต ๐—บ๐˜† ๐—ฐ๐—น๐—ถ๐—ฒ๐—ป๐˜๐˜€.When we talk about retirement adequacy, many people tend to focus heavily on their investment portfolio.โ€œHow much can I earn?โ€โ€œShould I invest my CPF to get higher returns?โ€โ€œWhy leave money in CPF at 2.5% when I could potentially earn more [...]

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6 important changes to CPF in 2022

By | 2022-02-23T02:48:53+00:00 February 23rd, 2022|CPF, Medisave|

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 [...]

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CPF Life or Retirement Sum Scheme (RSS): Which to choose?

By | 2021-08-02T04:02:18+00:00 August 2nd, 2021|CPF|

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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How to Top-up CPF Medisave Account

By | 2021-04-30T04:54:21+00:00 April 30th, 2021|CPF, Medisave|

One little known fact, your CPF Medisave account is earning the same interest as your CPF Special Account, which is currently 4%. For most CPF members who have been working for many years, your Medisave account should typically be maxed out at $62k currently. However, for various reasons, if you would like to voluntarily top-up [...]

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6 interesting facts about your CPF you may not know

By | 2020-07-23T06:50:05+00:00 July 23rd, 2020|CPF, Retirement|

As part of my job, understanding how our CPF system works is crucial in strategizing financial plans for my clients. I am also privileged to work with clients who work in CPF and IRAS, and who have much more knowledge and experience than I do. The more I find out about our CPF system, the [...]

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Husband Earning $4.7k Per Month Builds $166k in Wife’s CPF over 6 Years

By | 2017-10-12T09:20:01+00:00 October 12th, 2017|CPF, In the News|

Mr Yang realized the benefits of leveraging on his and his wife's CPF to work towards their retirement. And thus he took action from 2011 to transfer a portion of his CPF to his wife's account and then through steady contributions over the next 6 years, manage to build $166k in both his own and his wife's CPF accounts.

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