Most of us work to pay the bills. Some of us even manage to save and invest a portion of what we earn. But few people stop to think about this: Your career is your biggest financial asset. If you’re in your 30s or 40s earning $8,000 a month, that’s almost $2 million in future…
I still remember where I was when I got my first full-time paycheck. I had just stepped out of the office and sat down at a coffee shop near Raffles Place. I opened my banking app, and for the first time, the numbers looked real. Solid. Like I had officially crossed into adulthood. “Wah, I…
I met with a client recently who wanted to discuss about investment solutions. For all our clients, we always start our discussions by understanding how well our clients are protected, before we talk about wealth accumulation. He sat across from me, past 65, retired, and living comfortably from his savings and CPF payouts. He asked…
The rise of financial influencers, or “finfluencers,” has been a game-changer in the world of personal finance. These content creators use social media platforms to share tips on money management, investing, and achieving financial freedom. While their content has inspired many to take charge of their finances, it has also raised questions about the regulatory…
The “Buy Term, Invest the Rest” (BTIR) strategy is often touted as a superior financial approach. By purchasing term life insurance and investing the savings from the lower premiums, individuals can potentially achieve better financial outcomes compared to buying whole life insurance. However, despite its apparent benefits, BTIR is not universally adopted. This article explores…
In the bustling financial hub of Singapore, investing is often seen as a key pathway to wealth and financial freedom. However, there’s a crucial step that many eager investors overlook: insurance. It’s time to challenge this mindset. In this article, I’ll write in detail, why closing your protection gap with adequate insurance coverage is not…