The end of the year is often a period where we slow down our pace of work and spend some quality time with the family, especially in this disruptive year of covid-19. As the year winds down, we would also like to offer gentle reminder of certain year-end financial actions you could take to optimize…
In Singapore, the current official retirement age is 62 years old but to have a realistic estimate of when you can really retire, it ultimately starts with determining your retirement needs. 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…
October was a prime example of the uncertainty facing investors in 2020. On one hand, we have improving economic data reviving hopes that a deep recession will be avoided, sending stocks higher initially. Yet a resurgence of the COVID-19 pandemic in Europe and the US led to fears that economies will be forced back into…
My courtship with Vanguard funds started 16 years ago in 2004. Providend was licensed to give advice only about a year back and while we had an investment philosophy & process in place, there were no low-cost index funds that we could use to execute it. As a young CEO then (I was only 34…
Adam and his wife, Sabrina, have spent the past 13 years of their lives in successful individual careers as a Technology Engineer in an American MNC and as an Account Manager, respectively. Both realize that their money has built up over the years and do not wish to take the traditional route of wealth building…
In 2019, the Life Insurance Association (LIA) proposed a revised set of standardised critical illness definitions that eventually were implemented by insurers. From 26 August 2020, all critical illness policies sold here must adopt this new set of definitions. Definition is important as it is the yardstick for the insurance company to determine if a…
If you read the news headlines in September, you would not be too amiss for thinking that the stock markets are again in dire shape. News about COVID-19 cases rising in Europe and the US, along with a swoon in tech stocks that led the NASDAQ down 10%, made for gloomy yet sensational headlines. Investing…
Patricia has always wanted to find someone to help her make sense of her family’s finances so that she can be a good steward of the family wealth. Originally, she and her husband, Stanley, came to us to learn how we help our clients invest their money to bring them closer to their life and…
Eliza and Noah are not really big on the idea of retirement. It is not that they find retirement repulsive, but because they have always found their respective career interesting and challenging. Eliza feels fulfilled and respected working as a physician in a government hospital. Noah started out in engineering, but an opportunity came along…
19 years ago, on this very same day, 19 men trained by al-Qaeda carried out a coordinated terrorist attack on the United States that had been planned for years. The attackers simultaneously hijacked four large passenger aircraft with the intention of crashing them into major landmarks in the United States, inflicting as much death and…
