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 liquidate fast within one month. The capital is guaranteed, and it does not fluctuate with the market. Second, the interest is good – much better than fixed deposits. Third and more importantly, … [Read more...]
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My Retirement Pastime with iFAST TV
Here is an interview with iFAST TV on my retirement pass time. Haha.. … [Read more...]
High Savings Account Or Bonds?
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 low. Anyone can afford this kind of saving account. When comparing with bonds, I assumed this person is asking for direct bonds. Direct bonds minimum entry level is typically USD … [Read more...]
What are the recommended dividend stocks in Singapore for retirement?
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, if the objective of the investment is solely to receive dividends, I am against this kind of objective. I am always a believer in investing in a diversified portfolio. However, to be invested in a … [Read more...]
Now is the time to start investing
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, there is one observation. When the stock market is doing well, when there are plenty of jobs, I have many clients coming to me to invest. Almost everyone claims to be high risk taker and long-term … [Read more...]
Market keeps crashing, what stocks to buy now?
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 run (e.g. when the stock market is declining)? The stocks market is declining because of recession expectation. One advice I can give you is to choose stocks which you know will survive the … [Read more...]
AIA Pro Achiever 2.0 and my recommendations
AIA Pro Achiever 2.0 was a product which someone recently asked me about it. She was told by her insurance adviser that the return of 8% is guaranteed which is false. I proposed that we meet up so that I can provide her with sound financial advice, and she agreed. 1. What are the factual details for AIA Pro Achiever 2.0? So, what are the information regarding AIA Pro Achiever 2.0 that are … [Read more...]
What is the expected returns if you invest now?
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 20%. There are two ways you can react to this news, you can run and hide or you can ask yourself whether is this an opportunity to take advantage of the situation. You know, most people actually run … [Read more...]
Why Vanguard Fund Investors Underperformed The Fund Significantly?
Over the years, there have been significantly more and more funds that mirror after the index such as Exchange Traded Funds. If you research the internet, you’ll find countless articles, blogs and forum pages advocating the use of index funds. I had previously suggested to consider using Vanguard funds (that article can be found here: Vanguard funds in Singapore at just US$ … [Read more...]
Why You Always BUY HIGH In Investments?
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 … [Read more...]
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