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You are here: Home / Archives for Featured

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 … [Read more...]

Filed Under: Featured, Investments

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. 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 … [Read more...]

Filed Under: CPF Matters, Featured, Retirement Planning

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 invest in properties. In this blog, I will be doing the same except that I will be providing more figures to proof that property investment is an illogical investment. Myth #1: Assuming interest … [Read more...]

Filed Under: Featured, Investments, Networth

The risk of using investments for retirement are often underestimated

26, July 2017 by Wilfred Ling 2 Comments

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 their retirement years. I do not have any problem with that except that they underestimate the risk of using such instruments. At the end of this article, I will show you that a portfolio of … [Read more...]

Filed Under: CPF Matters, Featured, Investments, Retirement Planning

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. But after that, it started selling "koyok" - Universal Life. https://www.youtube.com/watch?v=wW89KGi5AJY The speaker uses Universal Life as a debt cancellation tool and as well as the income … [Read more...]

Filed Under: Featured, Unethical sales process Tagged With: hnw

High networth asking govt for help because of poor financial planning

25, February 2017 by Wilfred Ling 4 Comments

There was a letter written to the Sunday Times on 19th February 2017 about a high networth (or at least behaving like one) who was so cash scrapped that she asked whether the government can help her. Here is the letter: A few facts that can be directly derived from the letter: The writer is a retiree. The writer has two housing loans. The writer refinanced the two loans to get a … [Read more...]

Filed Under: Featured, Retirement Planning Tagged With: hnw

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 system. First, CPF interest is calculated on a monthly basis but it is only credited at the end of the year. The interest that is credited at the end of the year forms the new balance for the … [Read more...]

Filed Under: CPF Matters, Featured, Retirement Planning

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 getting better returns. I felt that the question is a wrong question. Insurance is meant to protect and not meant as an investment. Unfortunately, majority of the policies sold were not meant to protect … [Read more...]

Filed Under: Case studies, Featured, Financial advisers, Insurance, Unethical sales process

Life Expectancy and the Importance of Retirement Planning

23, December 2016 by Wilfred Ling 2 Comments

longer life expectancy

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 for life expectancy at age 65 and plotted the data on a XY graph as shown below and did a linear regression. Don’t be shocked by what you see. It seems life expectancy has been rising in a … [Read more...]

Filed Under: Featured, Retirement Planning

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 on rental income to service their investment property loans.", noted MAS in its latest Financial Stability Review. Source: … [Read more...]

Filed Under: Featured, Retirement Planning

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