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

Should You Buy Insurance From Friends?

20, March 2023 By Wilfred Ling Leave a Comment

https://www.youtube.com/watch?v=IbXP_sUiF8M Question: So should I buy insurance from friends? Answer: No, you should not buy insurance from your friend if your friend has little experience. Do not buy insurance or anything from your friend just for the sake of support. Buy because you felt that the advice given was good and the product suits you. A true friend is the one who will look out for you. A true friend is the one who will recommend an appropriate investment or insurance … [Read More...]

Wilfred Ling’s Story, the beginning

8, March 2023 By Wilfred Ling Leave a Comment

https://www.youtube.com/watch?v=Yu1lzL8ra7s   … [Read More...]

Three Approaches to Investments

23, January 2023 By Wilfred Ling Leave a Comment

Someone wrote to me the following comment: “I invested via Endowus, Sfye, Moneyowl  and Stashaway. None of them are doing well. I am very sad. I thought ETFs could weather the storms better than investing in individual stocks.” Do you resonate with the above statement? If you do, continue to read this newsletter. One of the main reasons why many investors are not satisfied with their investments is due to not being aware that there are three approaches in investments. Market … [Read More...]

How to create your own dividends paying portfolio

16, December 2022 By Wilfred Ling Leave a Comment

The other day, one of my clients informed me that he plans to take early retirement. Despite being below the statutory retirement age, his employer is offering a special package to encourage employees to voluntarily leave the company due to the ongoing economic recession. Rather than waiting for conditions to deteriorate further, he decided to apply for the early retirement package. During our conversation, he emphasized the importance of converting his investment portfolio to one that generates … [Read More...]

60’s with no dependants – which insurance is a must have and nice to have?

21, September 2022 By Wilfred Ling Leave a Comment

  Question: Question: For someone in their 60s and no more dependent, which other insurance is a must have and what are the nice to have? Answer: Insurance for medical For someone in the 60s with no dependent and assume no liabilities, the two important insurances that are a must have are Medical insurance similar to an integrated shield plans and Long term care similar to Careshield Life. However, recently there was some changes to the integrated shield plans and … [Read More...]

Featured articles

What Can You Invest If You Have $400k?

17, September 2022 By Wilfred Ling 1 Comment

Question: I have about $400,000 to invest. I would prefer something safe, what should I do? Answer: For capital guaranteed product, I recommend Singapore Saving Bond. First because you can … [Read More...]

My Retirement Pastime with iFAST TV

13, September 2022 By Wilfred Ling Leave a Comment

Here is an interview with iFAST TV on my retirement pass time. Haha.. … [Read More...]

High Savings Account Or Bonds?

10, September 2022 By Wilfred Ling Leave a Comment

Question: Can I just put my money in high interest savings account rather than buying bonds? Answer: The advantage of these high interest saving account is that the minimum entry amount is very … [Read More...]

Cancer

Off-label cancer treatments cannot be covered by Integrated shield plans

29, August 2022 By Wilfred Ling Leave a Comment

With effect from April 2023, off-label cancer treatments will no longer be covered by your integrated shield plans. What are integrated shield plans? Integrated shield plans are insurance products … [Read More...]

What are the recommended dividend stocks in Singapore for retirement?

14, August 2022 By Wilfred Ling Leave a Comment

1. It is not recommended to invest for the sake of dividends I am not in favour of investing for the sake of dividends. I am not saying that we should not invest in stock that pays dividend. However, … [Read More...]

Why are your prospects paying expensive investment courses instead of consulting you?

7, August 2022 By Wilfred Ling Leave a Comment

This video is for financial advisers. However, it is also somewhat relevant to those who are not financial advisors. Can I ask you something? Have you wondered whom do prospects normally go to find … [Read More...]

Now is the time to start investing

30, July 2022 By Wilfred Ling Leave a Comment

  Hi, this is Wilfred Ling. I just felt the need to record this video because I have something really important to speak to you. Having been a financial planning practitioner for 16 years, … [Read More...]

Market keeps crashing, what stocks to buy now?

26, July 2022 By Wilfred Ling Leave a Comment

  Question: The market keeps crashing. People are asking what is the shopping list, for stocks, what should they be buying during this market crash? Answer: We are having a what you call bear … [Read More...]

What is the expected returns if you invest now?

18, July 2022 By Wilfred Ling Leave a Comment

The stock market, S&P 500 is now at bear territory. That means that a bear territory means when the index falls by more than 20%. However, many blue chips stocks have actually fallen much more than … [Read More...]

How do you decide whether to invest or to save?

8, July 2022 By Wilfred Ling Leave a Comment

  Question: Wilfred, how do you decide whether to invest or to save? Answer: Savings and investments are the same except that they are like the opposite sides of the same coin. They … [Read More...]

featured articles

hdb

Free advice is going to cost you your entire HDB flat!

4, January 2010 By Wilfred Ling 2 Comments

Everybody I know is concerned about their salary because they want to save for retirement. Financial advisers are no different from the human being next door. They need to earn a living as well. … [Read More...]

Pinocchio

Examples of mis-selling an insurance

28, July 2009 By Wilfred Ling Leave a Comment

In this short article, I will show how insurance products are mis-sold to unsuspecting customers.  This article also serves as an education short write-up for existing financial advisers because they … [Read More...]

cpf money

CPF: How to Accumulate $1m in your CPF by 57?

23, May 2015 By Wilfred Ling 16 Comments

I read online that there are people who wants to achieve $1M in their CPF by 65 years old. However, I found that it is possible to do so by 57 WITHOUT even attempting to top-up extra money in CPF. … [Read More...]

(Another) 4 reasons why Singaporeans and you cannot retire

15, September 2016 By Wilfred Ling 4 Comments

There was a report that an aircraft technician was worried that he may be force to retire when he turns 65 years old this Saturday. This is because the re-employment age ceiling will increase from 65 … [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...]

Women likely to be financially worst off after retirement

26, March 2016 By Wilfred Ling 4 Comments

The latest survey conducted by HSBC Future of Retirement (Healthy New Beginnings) Singapore Report reported that: 32% of women say that their actual financial situation got worst after retirement … [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...]

CPF Retirement Sum Scheme

31, January 2019 By Wilfred Ling 1 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. … [Read More...]

survey

HSBC The Future of Retirement: 78% worried about not having enough for retirement

7, February 2015 By Wilfred Ling 3 Comments

HSBC made a survey called “Future of Retirement” and it was found that: 1/3 of Singaporeans expect their standard of living to fall when they retire. 78% of working-age Singaporeans are worried … [Read More...]

Up to 70% of financial advisers’ recommendations were unsuitable, says MAS mystery shoppers survey

11, July 2012 By Wilfred Ling Leave a Comment

MAS commissioned an external consultant to conduct a mystery shopping exercise in 2012 to determine the quality of advice given out by financial advisers[1].  The MAS mystery shoppers' statistics were … [Read More...]

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