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  • 24, February 2019

LATEST ARTICLE (SUBSCRIBE TO MY MAILING LIST TO AVOID MISSING THE LATEST)

CPF Retirement Sum Scheme

31, January 2019 By Wilfred Ling Leave a Comment

Although CPF Life is compulsory, there are those who will not be automatically enrolled. If your age and CPF Retirement Account meets the following, you will automatically be enrolled to CPF Life. Otherwise, you stay at the Retirement Sum Scheme. What is the Retirement Sum Scheme? Under this scheme, the CPF Retirement Account will be drawndown on a monthy basis starting 65 (the minimum payout age) until up to 95 years old. Most people may be confused with the CPF Minimum Sum Scheme … [Read More...]

How money is created through the reserve ratio and why it is important know?

30, January 2019 By Wilfred Ling Leave a Comment

Have you thought of how money is created? You need to understand the mechanism of how money is created because the supply of money has an influence over an economy. If there is large increase in money supply, it encourages economy activities but drives up inflation. If there is a decrease in money supply, it discourages economic activities but could push down prices of goods and running the risk of deflation. There are generally three ways which central banks control money supply: interest … [Read More...]

Featured articles

What is meant by utmost good faith (uberrima fides)?

23, December 2018 By Wilfred Ling Leave a Comment

When applying for insurance, the principal of utmost good faith applies. The Latin equivalent of 'utmost good faith' is uberrima fides. The principal of utmost good faith or Uberrima fides means … [Read More...]

Conservative Account (for existing clients only)

This is an announcement for existing clients. The Conservative Account is an investment that aims to provide a return of 2-4% per annum (inclusive of dividends) with low volatility. The Account … Read more

What we can learn from Warren Buffett? Part 4

26, September 2018 By Wilfred Ling Leave a Comment

This is a multi part article. For the previous article, you can read it here: What we can learn from Warren Buffett? Part 3. Do not get emotional Warren Buffett is not perfect. We can learn from his … [Read More...]

If an insurance company pays claims that are much less than the premium collected, does it mean the product is priced too expensive?

19, September 2018 By Wilfred Ling Leave a Comment

I saw this Facebook post the other day and I felt it is  one of the most common misconception about insurance. The Eldershield is meant for old age but the pool is young and so the claims are low. … [Read More...]

Dimensional Funds are now available for retail investors

12, September 2018 By Wilfred Ling Leave a Comment

For those who are into index investing will know how frustrating it is to do so. Vanguard has decided only to make its index funds available to Accredited Investors. Those who prefer to invest in MAS … [Read More...]

What we can learn from Warren Buffett? Part 3

5, September 2018 By Wilfred Ling Leave a Comment

This is a multi part article. For the previous article, you can read here: What we can learn from Warren Buffett? Part 2. Treat the investment as a business Unlike many investors, Warren Buffett … [Read More...]

What we can learn from Warren Buffett? Part 2

29, August 2018 By Wilfred Ling Leave a Comment

This is a multiple part article. For the previous article, please refer to this article: What we can learn from Warren Buffett? Part 1 Having a diversified portfolio As at end of 2017, SEC 13F … [Read More...]

What we can learn from Warren Buffett? Part 1

22, August 2018 By Wilfred Ling Leave a Comment

BYD Co Ltd was listed on the Hong Kong exchange in 2002.  It was one of China’s biggest rechargeable batteries maker. Berkshire Hathaway - the holding company which Warren Buffett is the largest … [Read More...]

Share Repurchase vs dividends

9, August 2018 By Wilfred Ling Leave a Comment

Many investors understand what dividends are. However, not many realized that there is another type of invisible dividends that is called the share repurchase. Both shares repurchase and dividends … [Read More...]

SingHealth breach: what does it mean to lose your data

21, July 2018 By Wilfred Ling 4 Comments

By now everybody would have read in the news that 1.5 million SingHealth’s patients’ information were stolen. Singapore has a population of 5.79 million. So 26% of the population got their personal … [Read More...]

Why this company’s stock price plunged despite large profit announcement?

30, April 2018 By Wilfred Ling Leave a Comment

Q: Wilfred, Company X5 announced on 8th March 2018 that its full year results for 2017 was US$163 million in earnings. This was significantly larger than that in 2016 of only $6.7 million. However, … [Read More...]

featured articles

Widespread financial illiteracy on retirement planning, says CPF Advisory Panel

4, September 2016 By Wilfred Ling Leave a Comment

It was reported that Singaporeans are suffering from the lack of financial literacy. The problem is actually widespread despite Singapore scoring tops in mathematics. “There is a difference between … [Read More...]

Why financial advisers must abandon their clients?

27, September 2009 By Wilfred Ling Leave a Comment

I often hear of complains from clients that their previous advisers stop contacting them after a few years. Clients often felt that their advisers were just out to make money but did not bother about … [Read More...]

survey

Only 36% believe they can retire comfortably, says DBS-Manulife Retirement Wellness Study

1, February 2016 By Wilfred Ling 6 Comments

In a survey called the DBS-Manulife Retirement Wellness Study released on 5 January 2016, it was found that: 2 in 5 Singapore residents are not confident about their retirement preparations. 56 … [Read More...]

How to create your own dividends paying portfolio

16, July 2013 By Wilfred Ling Leave a Comment

Today I want to discuss briefly about the quest for income generating investments. Many investors have the desire to invest in income generating instruments such as dividend paying stocks. Here is … [Read More...]

6 ways to increase your investment returns

7, October 2016 By Wilfred Ling Leave a Comment

1: Asset allocation is critical The most important part of investment is to get the asset allocation right. This is because large proportion of the percent of return variation of a portfolio is … [Read More...]

vacuum cleaner

Vacuum Cleaners and Financial Services

27, June 2008 By Wilfred Ling Leave a Comment

What has Vacuum Cleaners salesperson and the Financial Adviser has in common? You'll be surprise there are many similarities. First publish in The Online Citizen, Wilfred Ling tell us what the … [Read More...]

How to calculate the minimum salary you need to have?

8, November 2008 By Wilfred Ling 5 Comments

Many people choose their career or studies based on interest. They also choose it based on the potential salary that the job can command. I would like to give an alternative view on what is the … [Read More...]

Try this calculator for Supplementary Retirement Scheme (SRS)

20, May 2016 By Wilfred Ling 2 Comments

If you are looking for the SRS calculator, please scroll down to the end of this article. The Supplementary Retirement Scheme or SRS for short is a tax deferred scheme. In this tax deferred scheme, … [Read More...]

forum

It’s too late to do retirement planning when old, says Citi-SMU

21, July 2014 By Wilfred Ling Leave a Comment

According to Citi-SMU (SingaporeManagement University) symposium on financial Literacy for young adults, it is important to start managing one's finances when young. This is because picking up … [Read More...]

Why private banking clients have no asset allocation skills?

18, April 2016 By Wilfred Ling 1 Comment

A UBS survey among high networth individuals in Singapore and Hong Kong revealed interesting findings: 62% of investors admitted that they did not know how much to save for retirement Only 1% … [Read More...]

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