Articles
Quick Notes: How to make CPF work for you and your retirement
At the 2019 National Day Rally, PM Lee Hsien Loong made announcements for gradual increases in retirement age, re-employment age and CPF contribution rates for older workers. Here are some notes on making your CPF work for you. HOW MUCH DOES CPF LIFE PAY? If you...
How To Make Lump Sum Investing Less Fearful
I have seen this question asked in conferences and seminars again. And Again. And Again. And somehow, I felt the people asking that question never got a satisfactory answer. The question: If I have a lump sum of money, should I invest the lump sum in one shot, or...
4% Withdrawal Rule – How to draw a reliable retirement income from your investments
Investment comes with the risk of losing money and for a retiree especially, can be a difficult thing to stomach when there is no longer a source of active income. This is probably why most literature caution retirees against taking on too much investments in their...
Merdeka Generation E-Book
Download the E-Book below: Download the E-Book here!
6th August CIO Letter
Dear Client, FROM THE CEO/CIO’S DESK: THE RIGHT CALLIf you had invested in the stock market at the beginning of July, did not watch the news in between and only checked your portfolio at the end of the month, you might have thought that July was very boring for the...
From First Step to First Home
Back in September 2018, NUS released a study on The Straits Times that discussed the effectiveness of government policies in increasing Total Fertility Rate (TFR) in Singapore. The authors found that the estimated cost of raising a child in Singapore from infancy to...
2nd July CIO Letter
Dear Client, About six to eight weeks ago, the traditional maxim of “sell in May and go away” seemed to be playing out well, when global markets declined by about 6% in a month. In the brutal last week of that month, the temptation would have been to say, let me cut...
Funding Your Child’s Education
Introduction In this article, we will focus on the cost of tertiary education in Singapore and the available financial instrument to help save for your child’s tertiary education. There are generally 2 ways that this cost can be funded, either parent-sponsored or...
6th June 2019 CIO Letter
Dear Valued Client, The Shangri-La Dialogue is a high-powered international defence and security forum that has been held in Singapore around the first Saturday of June every year since 2002. In my previous life as a government officer, I worked quite a number of...
In A High-Tech World, The People Behind The Technology Matters
Dentist. Many people hate to visit one. I can't say I love to visit dentists but I don't loathe it. That is because I have a very experienced dentist who is very gentle, good at her work and extremely reassuring. Six days ago, I had my implant surgery done. Implant...
MoneyOwl Rolls Out Low-Cost Investment Portfolio Service
On MoneyOwl’s Fees and Comparisons
There has been quite a bit of interest in the fees for investing via MoneyOwl, and also quite a bit of some confusion with many comparisons. First, let’s break down the fees for investing with MoneyOwl so that if you wish to compare, they are of apples to apples. Our...
