This is the 6th installment of our retirement series. In my previous writings, I shared how I used our proprietary tool “RetireWell” to give our client David (aged 59), a reliable income stream throughout his retiring years. I have written quite a bit on how bucket 2-6 are invested to get the returns necessary for…
This is the 5th instalment of our retirement series. In my previous writings, I shared how I used our proprietary tool “RetireWell” to give our client David (aged 59), a reliable income stream throughout his retiring years. In gist, David’s retirement objectives are: $10,000 per month for first 5 years Reduce to $8,000 per month for…
This is the fourth article of our retirement series. Throughout the past articles over the past months, we talked about how we helped our 59 years old retiree client, David, to have a reliable income stream in retirement using our proprietary tool called RetireWell. As a recap, David’s retirement objectives are: $10,000 per month for…
Low costs, consistent results – what’s there not to like about index funds? While there are still managers who can beat the markets, many are unable to do it year after year. In previous months’ articles, we talked about how we helped our 59 years old retiree client, David, to have a reliable income stream…
In last month’s article, we talked about how we helped our retiree client, David, plan for his retirement using our proprietary tool called RetireWell. Based on what David wants, we use allocated $1.479 million of his draw-down assets into the various buckets shown in table 1. David Tan (Aged 59) #A retiree risk profile is…
While there are 2 phases in retirement planning: accumulation phase and withdrawal phase, in the course of our work, we observed that a lot more emphasis has been placed on the former although it is the latter that is more complex and requires more attention. Retirement planning during withdrawal phase is more complex because retirees face…
In early September, Deputy Prime Minister Tharman Shanmugaratnam revealed that over the past ten years, more than 80% of CPF investors would have been better off leaving their money in the CPF Ordinary Account which earns a guaranteed 2.5% per annum, and that 45% of CPF investors actually lost money. He highlighted that there were…
In early September, Deputy Prime Minister Tharman Shanmugaratnam revealed that over the past ten years, more than 80% of CPF investors would have been better off leaving their money in the CPF Ordinary Account which earns a guaranteed 2.5% per annum, and that 45% of CPF investors actually lost money. He highlighted that there were…
Over the years, I’ve had many family members and friends ask me which stocks they should buy. While in the past I answered by naming a few stocks that I thought were of good value, after some time I realized that I was actually doing them a disservice. Firstly, I could be wrong. If I…
I am writing this column on a plane, on my way back home from Mauritius, having just finished 3 days of speaking engagement to a group of financial services people there. I have always enjoyed being in Mauritius. It is a beautiful island situated in the Indian Ocean that is about 3-4 times our size…
