The announced CPFIS criteria changes will impact the funds CPF investors can buy, but few have commented on the actual changes and what consequences they will have on investors. Wilfred Ling give his opinion on the changes in fundsupermart.com magazine HERE … [Read more...]
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These articles were first published in (physical) magazines.
Medical insurance is an important insurance which many has neglected. Yet, getting a suitable coverage is more difficult than it seems. In this issue of INVEST, Wilfred Ling writes about this topic which can be downloaded HERE. The article was first appeared on CPF Board's IMSavvy Blog Corner:http://www.cpf.gov.sg/imsavvy/blog_post.asp?postid=410028623-190-948406457 … [Read more...]
The public's perception on a person who is a professional is often not in line with the actual work which a professional does. In reality, many professionals are mere "form fillings". To the extend, this has resulted in disappointments and even lawsuits. What is meant by "form fillings" and how widespread this practice is? In this INVEST October 2010 issue, Wilfred Ling writes about this topic … [Read more...]
It is often thought that to be a Philanthropist means one need to be very rich. This is a common fallacy. What many people do not realised is that to be a Philanthropist can be very easy and does not need to be rich at all. In this article written for INVEST August 2010 issue, Wilfred Ling writes about this subject matter. The article can be downloaded from this link: HERE … [Read more...]
Special Needs Saving Scheme (SNSS) and Special Needs Trust Company (SNTC) are one of the various tools one can use for persons with disability. Before using these tools, it is more important to have a game plan. In this issue of June 2010 INVEST magazine, Wilfred Ling explores the various considerations for individuals with special needs. The article can be downloaded from this link: HERE … [Read more...]
Professionals such as doctors, accountants, dentists and businessmen often face the risk of bankruptcy. This could either be due to negligent or simply due to the part and parcel of business risk. With a comprehensive approach to financial planning, it is possible to mitigate the financial devastation of such risk. What are the tools used for asset protection against creditors and how to use them? … [Read more...]
In this latest article for INVEST magazine, I wrote about two real cases of clients who wrote nonsensical Wills. Although their Wills were valid but the contents were peppered with problems which the clients did not realized. Many people treat estate planning too lightly. Majority do not even care about it. Those who do bother got a raw deal by not considering many practical issues. You can … [Read more...]
It was just not too long ago when many consumers were wondering whether their insurers will be collapsing. The days of long queue of people wanting to surrender their insurance policies were like just yesterday. In February 2010 issue of the INVEST magazine, Wilfred Ling was interviewed on his opinion on the situation now. He also provide his comments on MAS' latest proposal on the Policy Owners’ … [Read more...]
Everybody looks at the price movements of their investments. Some have the bad habit of doing so everyday while others only look at it once in a while. There is another part of investment that is unseen which have a far greater impact on the total return. In this article written for INVEST magazine Dec 2009 issue, Wilfred Ling examines the sources of profit in equity investments and why many … [Read more...]
Many people do not differentiate between value and price. Price is what you pay and value is what you get. For financial services, one must determine the value of an advice otherwise any price you pay (whether in fees or commissions) will be exorbitant. From my experience, most Singaporeans do not understand this and as a result make two serious mistakes: either (1) Paying for worthless advice … [Read more...]