• All blog entries
    • Calculators
    • Case studies
    • Cost of living
    • CPF Are You Ready?
    • CPF Matters
    • Credit Management
    • e-Learning
    • Estate Planning
    • Events
    • Financial advisers
    • High Networth
    • Insurance
    • Investments
    • Letters to the Press
    • Magazines
    • Others
    • Retirement Planning
    • Scams
    • Surveys
    • Tragic Stories
    • Unethical sales process
    • Videos
  • Legal
  • Testimonies
    • Individual testimonies
    • Gallery
  • My Account
Hi, looking for a fee-based financial planner in Singapore? Read this article now!
  • Home
  • About
    • About Wilfred Ling
    • Why do you run your own professional financial planning practice?
  • FAQs
    • FAQs on Wilfred Ling’s Financial Services
    • FAQs on Financial Planning
    • FAQs on Investments
    • FAQs on Insurance
    • FAQs on Estate Planning
  • Services
    • Overview
    • Retirement Planning
    • Investment Portfolio Management
    • Insurance Planning
  • Fees
  • Cool Tools
  • Contact
  • Subscribe

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

Why You Always BUY HIGH In Investments?

14, May 2022 By Wilfred Ling Leave a Comment

One of the most common feedback I hear is this,  “Wilfred, I always lose money in investments. I have no luck.”  OR “Wilfred, I have invested with many financial advisers and I always lose money.” Sounds familiar? What are the reasons why investors lose money?  Let me relate to you a story. Mr Tan (not his real name), invested with me in 2007.  At that time, the Singapore economy and the region was growing rapidly.  The stock market has done extremely well for a few years since SARS … [Read More...]

How You Can Do Long-term Rebalancing With This Simple Method

4, May 2022 By Wilfred Ling Leave a Comment

In the previous blog HERE, I wrote about using 4 simple criteria to select stocks and then just do your buy own strategy. In this article, I did a modification. Instead of buy and hold, you rebalance every year and the purpose of rebalancing is to find stocks that meet the same criteria and then rebalance them into equal weightage. If you do this annual exercise, the chart shows that the performance not only gained positive returns but it actually out-performed the S&P 500 hands down … [Read More...]

Eldershield Termination notice

Eldershield Terminated – Received the SMS? Read This

22, April 2022 By Wilfred Ling Leave a Comment

You must have receive a SMS stating that your Eldershield got terminated. Do not panic. It is not a scam. Neither is there anything to be concern about. I just received this message moments ago too. The message stated that “Dear XXX, your Eldershield policy will be/has been terminated. Log in to careshieldlife.gov.sg/notifications with your Singpass for more details.” When you attempt to login to the stated Careshield life website, you may find the website to “hang”. If you attempt … [Read More...]

Cancer patient ends up with $33,000 bill after insurer refuses to pay for drug & what you must do to avoid this situation

21, April 2022 By Wilfred Ling 1 Comment

Recently there was a case in which the newspaper reported an individual who could not claim her medical bill from Great Eastern's integrated shield plan due to the drug used not approved by the regulator. She is saddled by an unpaid medical bill $33,197 which she could not afford to pay. She said: But with the insurer not paying for the costly treatment, she and her doctors decided to skip this drug for one session in January. This resulted in Ms Koh's cancer markers shooting up by about … [Read More...]

How You Can Buy & Hold Stock Investment Using Simple Criterions!

11, April 2022 By Wilfred Ling Leave a Comment

There are two ways to invest in stocks. One is long term value investing through fundamental analysis, and the other way is short term trading through technical analysis. If you are doing fundamental analysis, you must do research in the company, analyse the company and study the company. This is both tedious and time consuming. If you are doing trading, you have to monitor the stocks prices on a regular basis because trading is time sensitive. That is why many of my clients felt that … [Read More...]

Featured articles

Try this calculator for Supplementary Retirement Scheme (SRS)

14, November 2021 By Wilfred Ling 2 Comments

As end of the year is approaching and 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 … [Read More...]

Why growth stocks are better than value stocks

9, November 2021 By Wilfred Ling Leave a Comment

Here is an interview with Wilfred Ling … [Read More...]

Reasons Singapore Stock Market is becoming ‘zombie’?

23, October 2021 By Wilfred Ling Leave a Comment

This article https://www.scmp.com/comment/opinion/asia/article/3152898/how-singapores-zombie-stock-exchange-undermining-its-financial serves an important lessons we can learn. Globalization and the … [Read More...]

First Bitcoin ETF and what you should know

21, October 2021 By Wilfred Ling Leave a Comment

The BITCOIN STRATEGY ETF was just launched on the 18th of October 2021. Before anyone jumps in the bandwagon to buy this ETF. There is something you need to know. The ETF offers a convenient way … [Read More...]

Think small, remains small. Think big, achieve big things

3, September 2021 By Wilfred Ling Leave a Comment

Read the below mentioned article on what these students did when they were given an assignment of growing $5 in just two hours. You will be shocked on the creativity these students had. If the … [Read More...]

6 rules of investing

25, August 2021 By Wilfred Ling Leave a Comment

Here is a youtube video on 6 rules in investing. https://youtu.be/y-jBPlyJR_4 For those who don't have 10 mins to watch the video, let me summarise for you: Rule 1 Be a shameless cloner. That … [Read More...]

Volatility of Real Estate Investment Trusts (REITs) is higher than stocks

5, June 2021 By Wilfred Ling Leave a Comment

In my experience, many retirees like to invests in REITs. Some of the reasons many retirees invests in REITs are: They tell me that REITs are safer because underlying is backed by properties. … [Read More...]

baby

Why buying life insurance for children is important

28, May 2021 By Wilfred Ling Leave a Comment

Why would my baby need life insurance? Which is the best life insurance? Shouldn’t I buy term insurance for my baby since it is the cheapest? This article will address these questions. Why would … [Read More...]

HOW AND WHAT TO INVEST NOW!

17, May 2021 By lenny Leave a Comment

This webinar has ended. However, if you wish to receive the recording, feel free to key in your particulars below. The recording link expires on 10 July 2021. You will also be subcribed to our … [Read More...]

How to enjoy life now and ensure the future is secure?

27, April 2021 By Wilfred Ling Leave a Comment

In my previous article, I spoke another the similar objectives and common errors made by the YOLO and FIRE individuals. The former seeks to enjoy life now without thinking about the future while the … [Read More...]

featured articles

Strange way of how CPF Interest is calculated & retirement planning

7, January 2017 By Wilfred Ling 19 Comments

CPF has a rather strange way of calculating interest. In this article, I will explain how CPF interest is calculated and how you can make use of this knowledge to reduce the disadvantage of such a … [Read More...]

Here’s a video by a bank on how it anyhow sell Universal Life

4, March 2017 By Wilfred Ling 2 Comments

One of my client sent me this webinar video on legacy planning. The first 11 minutes is educational and I generally agree with the speaker. So you can safely watch first 11 minutes without much harm. … [Read More...]

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...]

ST forum: Guarantee CPF Life solvency for peace of mind

15, August 2014 By Wilfred Ling 4 Comments

The following letter was published in Straits Times Forum page on 13 August 2014 regarding CPF Life solvency: Guarantee CPF Life solvency for peace of mind THERE is merit in removing the Central … [Read More...]

A client who spent $27,000 a year on insurances

30, December 2016 By Wilfred Ling Leave a Comment

There was an article Does it pay to stick to a big name in insurance? (Straits Times 30 Dec 2016) which asked the question whether should consumers buy from larger insurance companies in hope of … [Read More...]

Financial planner is a life coach, but cannot cure existing problems

27, August 2008 By Wilfred Ling Leave a Comment

“A teary Gao Ning, Singapore’s top male table-tennis player, crashed out of his first Olympics in just 24 minutes yesterday, losing 0-4 to unheralded Tan Ruiwu of Croatia. What raised hushed whispers … [Read More...]

lending money

MAS gives examples of illegal sales tactics for the Balance Scorecard

11, December 2014 By Wilfred Ling 3 Comments

In 2015, there will be new laws governing the conduct of financial advisers in Singapore. Despite large number of laws governing the manner which financial advisers must act, majority of these laws … [Read More...]

Why you should NOT select your CPF Life plan at 55

2, March 2016 By Wilfred Ling 12 Comments

CPF Life has undergone another change. Before the CPF Life change At age 55, the CPF Member has to choose whether he or she wish to enrol in the CPF Life Standard Plan or CPF Life Basic Plan. After … [Read More...]

Rental income may not be enough to service property loans, warns MAS

16, December 2016 By Wilfred Ling 1 Comment

"In particular, before investing in property, investors should be aware that rising vacancy rates, declining rentals and impending interest rate increases mean that they may not always be able to rely … [Read More...]

Property investment is illogical especially when its > 100% of networth

7, October 2017 By Wilfred Ling 4 Comments

Update 30/11/2017: See article: MAS flags risks from 'excessive exuberance' in property market For those who has read my blog for some time is well aware that I am against the way many Singaporeans … [Read More...]

Want more articles?

My website has become so huge that I cannot organise it in a systematic fashion. To avoid missing out on these important and useful articles, please subscribe to my mailing list HERE

WILFRED LING, CFA

WANT TO GET REGULAR TIPS ON FINANCIAL PLANNING?

JOIN with thousands of other subscribers in getting tips on all aspect of financial planning such as "What is the minimum salary required?", "How avoid insurance that is not suitable", etc.


WILFRED LING IN THE NEWS

Click HERE to find out more.


THE KIND OF CLIENTS I AM LOOKING FOR

NEW TO US?

Learn how you can fully benefit from this massive website: HERE

For Registered Users Only (free)

  • How to identify high performing unit trusts in 3 steps (Webinar) 3/9/2021
  • Financial Planning – Christian Perspective Part 2 (Webinar) 14/8/2021
  • How and what to invest now? (Webinar) 22/7/2021
  • Financial Planning – Christian Perspective Part 1 (Webinar) 10/7/2021
  • iFAST Monthly Investment Update -July 2020 7/7/2020

View All

For Clients Only

  • Video Message to Clients 30/12/2021
  • Exclusive client-only Investment Update Webinar by Wilfred 26/11/2021
  • JPMorgan Guide to Market Q2 2020 15/4/2020
  • JPMorgan Perspective Q2 2020 15/4/2020
  • JPMorgan Guide to Market Q1 2020 5/2/2020

View All

Top Posts

  • Access Information & Sign Up Page
  • Why You Always BUY HIGH In Investments? One of the most common feedback I hear is this,  “Wilf...
  • Strange way of how CPF Interest is calculated & retirement planning CPF has a rather strange way of calculating interest. I...
  • CPF: How to Accumulate $1m in your CPF by 57? I read from the CPF’s AREYOUREADY facebook about a man...
  • How to generate passive income for your retirement? (package details) Why you should have a retirement plan? A whopping 78%...

Recent comments

  • honest_me on Cancer patient ends up with $33,000 bill after insurer refuses to pay for drug & what you must do to avoid this situation
  • LittleTiger on Nomination in insurance policies
  • Josephine Pek on Nomination in insurance policies
  • chonghoong lim on Strange way of how CPF Interest is calculated & retirement planning
  • Jeremy Tan on Strange way of how CPF Interest is calculated & retirement planning
  • Janice on CPF Retirement Sum Scheme

To be notified of new blog post, like this facebook page

To be notified of new blog post, like this facebook page

Read articles based on different categories

Investment Login

iFAST Central: Login

iFAST Prestige: Login

Navigator: Login

Chartered Financial Analyst

CFA

Chartered Financial Consultant

ChFC

Featured Blogger

IM$avvy

© Copyright 2006-2022 Wilfred Ling

This advertisement or publication has not been reviewed by the Monetary Authority of Singapore

hollow-nasty
hollow-nasty
hollow-nasty
hollow-nasty