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Month: February 2015

Home 2015 February
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The Case For Term Insurance

February 17, 2015Providend3 commentsdeath, dependants, disability and a medical crisis, fee-only, financial advisers, financial planning, how to choose life insurance, life insurance, loss of income, premiums, protection, Retirement specialist, term insurance, term life insurance, types of life insurance coverage, whole life policies

Since 2003, we have been advocating the use of term insurances. While many Singaporeans appreciated our beliefs, the insurance and financial planning industry fought it. We stood out like a sore thumb and were a lone voice. So it was very encouraging for me when during the NTUC Income’s 40th anniversary dinner 2 weeks ago,…

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Using Insurance as a Savings Instrument?

February 17, 2015ProvidendNo Commentsasset allocation, diversified portfolio, equity market, fee-only financial advisers, financial goals, financial planning, flexibility, insurance, life insurance, portfolio, protection, Retirement specialist, savings, term insurance, wealth

When I started out my career as an insurance adviser many years ago, I was taught that insurance is a good instrument for accumulating one’s wealth. Not only does it gives a higher than bank interest rate, offers protection against death and disability, but it is also a systematic and organised way of savings. It is…

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The Confession of A Financial Adviser

February 17, 2015Providend1 commentcommissions, fee-only financial advisers, financial planners, high premiums, insurance, investments, term life insurance, Whole life plan

“If you buy insurance products like a whole life plan, you’re paying to be served a plate of garbage that in fact if you eat, you’ll have financial poisoning”. This is what CNBC personal finance editor and best-selling author Suze Orman said. About 7 years ago, I was guilty of serving this plate of poison….

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Uncovering the Sales Ideas behind Whole Life Plans

February 17, 2015ProvidendNo Commentsdeath, dependants, disability and a medical crisis, fee-only, financial advisers, financial planning, life insurance, loss of income, premiums, protection, Retirement specialist, term life insurance, whole life policies

Life insurance is meant mainly to protect us against loss of income due to death, disability and a medical crisis. It is also meant to provide us with sufficient resources to pay for medical expenses. We do not need insurance anymore if we no longer have these needs. When we do not or no longer…

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Insurance for Newborns

February 17, 2015ProvidendNo Commentschildren's education planning, educational funds, endowment policy, fee-only, financial planning, first time parents, Insurance for newborns, investment adviser, life insurance

Finally, your baby has arrived. After nine months of anxious waiting, the climax at the delivery ward is awesome,especially for first-time parents. Before long from basking in your bundle of joy, two things are almost certain – many years of sleepless nights and a myriad of financial products for your newborn vying for your attention. The trend…

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Can You Still Trust Wealth Management?

February 17, 2015ProvidendNo Commentsfee-only financial adviser, fiduciary, financial planning, good financial advice, insurance, investing, investment products, Retirement specialist, speculating, Wealth management

As wealth managers, are we still taking time to truly understand clients’ needs? Whatever happened to the consideration to recommend what is best for clients’ profitability? Where is that fiduciary duty, that putting clients’ interest first? It’s been a long time since I wrote a provocative piece. Frankly, I hate to do so. You get…

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The Story Of Wealth Management

February 17, 2015ProvidendNo Commentsfee-only financial adviser, fiduciary, financial planning, good financial advice, insurance, investment products, Retirement specialist, Wealth management

Banks are a fiduciary and should place customers’ interest ahead of shareholders. Banks are for transaction, not advice. Once upon a time, on a sunny island in Southeast Asia, lived more than 4 million people. The government took care of the people and the people trusted their leaders. Although outsiders were often jealous, and scoffed at it being a nanny state, it was…

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