This webinar is over. To avoid disappointment and not to miss the next webinar, we will contact you if you indicate your interest using this form HERE. Date, time & venue 1 Oct 2020, 7:30PM (Singapore time) (2 hours) Webinar style (Zoom Webinar) Agenda In this Webinar, you will learn: How to buy the right type of insurances. How the recent CI definitions may have affected some of your existing insurance? What is CareShield Life & how to upgrade it? What … [Read More...]
LATEST ARTICLE (SUBSCRIBE TO MY MAILING LIST TO AVOID MISSING THE LATEST)
HOW & WHAT TO INVEST NOW!
This webinar is over. More than 200 individuals attended. To avoid disappointment and not to miss the next webinar, we will contact you if you indicate your interest using this form HERE. To allow for optimal Q&A with the speaker, the number of seats will be capped. Hurry before all seats are taken up! Date, time & venue 10 June 2020, 7:30PM (Singapore time) (2 hours) Webinar style (Zoom Webinar) Description Covid19 has caused a financial crisis resulting in … [Read More...]
Webinar on: “How to retire 10 years earlier than your current plan?”
The Webinar is over. If you are keen to be inform of the next Webinar, kindly leave your contact using this form HERE You are specially invited to a Webinar on: Topic: How to retire 10 years earlier than your current plan? Speaker: Wilfred Ling, CFA, ChFC Dates (choose one): 18th Feb 2020 (Tues) 7.30pm OR 22nd Feb 2020 (Sat) 9.30am Venue: Over the Internet and at the comfort of your home. Duration: 1 hour How to register Registration is required. As this … [Read More...]
How to avoid the top 5 mistakes people make in investments?
Have you made large losses before and is now too fearful to invest? Why is it that whenever you invest, the market goes down? How did Warren Buffett achieve more than 18% per annum of his investments over the past 53 years and can you do likewise? Do you wonder whether are there other ways to grow your money without taking investment risk? Are you one of those 73% who are not on track[1] with their retirement plan? If any of the answer is a “Yes”, I would like to invite you to … [Read More...]
How to Retire 10 years earlier than your current plan
After six years of hiatus in conducting seminar, I decided to give a talk on retirement planning. I am delighted to see so many people came for this talk. What shocked me was the sheer number of friends my clients brought with them. 😃😃 Nearly 70 individuals turn up! Yeah! Different from the past seminars I organised, I had a guest speaker, Mac Woo from Lusi Group, to talk about conflict management. Together, we gave a powerful & practical advice on how to make money and … [Read More...]
Featured articles
CPF Retirement Sum Scheme
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...]
How money is created through the reserve ratio and why it is important know?
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 … [Read More...]
What is meant by utmost good faith (uberrima fides)?
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...]
What we can learn from Warren Buffett? Part 4
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?
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
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
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
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
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
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...]
featured articles
Why private banking clients have no asset allocation skills?
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...]
Only 36% believe they can retire comfortably, says DBS-Manulife Retirement Wellness Study
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...]
A whopping 65% of retirees’ saving will not last, says NTUC Income’s survey
It was reported that 65% of retirees feel that their savings will not last through retirement. This survey was conducted by Nielsen commissioned by NTUC Income. In addition, retirees say that one of … [Read More...]
Vacuum Cleaners and Financial Services
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...]
Life Expectancy and the Importance of Retirement Planning
We have heard in the news that life expectancy is rising. But how much is it rising and what is the impact to retirement planning? I downloaded the statistic from Singapore Department of Statistics … [Read More...]
(Another) 4 reasons why Singaporeans and you cannot retire
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...]
Question on Investment Linked Policy charges (ILP charges)
Question: Wilfred, my financial adviser sold me a product called X and he told me that the insurance charges are constant throughout my entire life. My premium is $1,200 a year. However, I read in the … [Read More...]
Why using ILPs for children’s education planning is a bad idea?
Many parents use ILP to save for children's education. I think this is a bad idea. This is why: The ILP salesman will market ILP on children's education like this: Life assured on the child. … [Read More...]
The risk of using investments for retirement are often underestimated
In this article, I want to write about a little-known danger when using investments to support one’s retirement. Very often, I hear of clients using stocks and REITs as a source of income to support … [Read More...]
