Articles
Does my child need insurance?
Every parent knows the importance of childhood vaccination. We took BCG and MMR according to the immunisation schedule without questioning what the vaccines are for. Unlike vaccination, the topic of child insurance has often been deprioritised and whenever it is...
11th October CIO Letter
Dear Client, FROM CEO/CIO: WHERE CAN I FIND ALPHA? Where I went to university, my essay grades were given in letters of the Greek alphabet: alpha (α), beta (β) and gamma (γ) and combinations of them – including esoteric ones like beta-alpha-minus-question mark-minus...
All You Need To Know About SRS
If you are planning for your retirement and haven’t heard about the Supplementary Retirement Scheme (SRS), you might be losing out! What is Supplementary Retirement Scheme (SRS)? SRS is a voluntary scheme to encourage individuals to save for retirement, over and above...
Which Retirement Income Plan is right for you?
Retirement income insurance plans have been gaining popularity among Singaporeans when it comes to retirement planning. They help us diversify our retirement portfolio, encourage a disciplined savings habit and provide monthly guaranteed payouts during our golden...
How Much Do I Need To Retire In Singapore And How Do I Build My Retirement Income Stream?
If you have ever tried to figure out how much you need to have to retire in Singapore, you’ve most likely been confounded by one of the most basic yet most difficult question to answer – how much monthly income do you need during your retirement? This requires one to...
MoneyOwl: A Joint Venture of a Common Heartbeat
A year ago today, 18 September 2018, the Joint Venture agreements between NTUC Enterprise and Providend that formed MoneyOwl were signed. At that time, it was a small, private event. We couldn’t even post it on our personal FaceBook pages, because we hadn’t yet gone...
11th September CIO Letter
Dear Client, From CEO/CIO’s Desk: Spoiler Alert! This year, there have been quite a number of grand finale episodes to blockbuster movies and TV series, as well as a few major football matches. Nothing beats the experience of watching Avengers: Endgame, the last...
How Should Investors Respond To Trade Wars?
Many years ago, a foreigner made a joke about our army in front of me. He said our army is like boy scouts, only good for marching during National Day Parade because unlike other armies, we have never experience going into wars. Of course, being still an NSman, I was...
Is Passive Investing a Bubble?
A few days ago, Michael Burry, a fund manager whose massively successful bet against the US subprime housing market was dramatised in the film, “The Big Short”, said that passive investing was a “bubble” that had caused investors to neglect small caps and value...
Understanding Your Investment Returns
If you have started your investment journey and are wondering how investment returns should be calculated, we have put together some materials that hopefully will help you understand returns better. Let’s start off with some basics. Simple Investment Return Adam...
26th August CIO Letter
Dear Client, From CEO/CIO’s Desk: Steady Does It Markets have gyrated violently in the intervening weeks between my last letter to you on 6 August and now. There have been two broad set of factors, both pertaining to concerns over economic growth. First, the bond...
Can We Retire in Singapore?
A common question posed to me at conferences and panel discussions is: “Can we retire in Singapore?” It seems that many Singaporeans are worried that they can’t. Sometimes, foreign institutions and so-called experts add to the anxiety by mistakenly measuring...
