• All blog entries
    • Calculators
    • Case studies
    • Cost of living
    • CPF Are You Ready?
    • CPF Matters
    • Credit Management
    • e-Learning
    • Estate Planning
    • Events
    • Financial advisers
    • High Networth
    • Insurance
    • Investments
    • Letters to the Press
    • Magazines
    • Others
    • Retirement Planning
    • Scams
    • Surveys
    • Tragic Stories
    • Unethical sales process
    • Videos
  • Legal
  • Testimonies
    • Individual testimonies
    • Gallery
  • My Account
"Skip the meetings. Schedule the Maldives." - Wilfred Ling, Wealth Advisory Director with Financial Alliance
  • Home
  • About
    • About Wilfred Ling
  • FAQs
    • FAQs on Wilfred Ling’s Financial Services
  • Services & Fees
  • Cool Tools
  • Contact
  • Subscribe
You are here: Home / Archives for Retirement Planning

You are viewing articles categorised under Retirement Planning

CPF private pension plans – sure way to lose money

31, July 2014 by Wilfred Ling Leave a Comment

cpf private pension plan

CPF Private Pension Plans to be revisited? Some Singaporeans have been pressing the government to give a higher return in their CPF savings. Perhaps under pressure, Deputy Prime Minister Tharman Shanmugaratnam surprised participants[1] of the Institute of Policy Studies forum on CPF and retirement adequacy that for those who can shoulder higher risks and want higher returns, the CPF private … [Read more...]

Filed Under: CPF Matters, Investments, Retirement Planning Tagged With: lose money

It’s too late to do retirement planning when old, says Citi-SMU

21, July 2014 by Wilfred Ling Leave a Comment

forum

According to Citi-SMU (SingaporeManagement University) symposium on financial Literacy for young adults, it is important to start managing one's finances when young. This is because picking up financial literacy is more suited when one is young. When you are old, "you can't teach old dogs new tricks". Financial literacy means the ability to understand and process economic information. Thus, it … [Read more...]

Filed Under: Featured, Retirement Planning, Surveys

(Obsolete)CPF Life Standard default plan is the worst of the two (22 June 2017 update to the new booklet)

8, July 2014 by Wilfred Ling Leave a Comment

This article is obsolete. See the following article for the updated one: HERE. Question: "Wilfred, can you take a few minutes to look at an example of a CPF life annuity plan generated using the CPF LIFE Payout Estimator? A typical screenshot is as attached. Look at the big gap between the bequest amount and the little difference in the monthly payout. Did I overlook something as the Basic plan … [Read more...]

Filed Under: CPF Matters, Retirement Planning

An analysis of Blackrock Global Equity Income Fund

7, July 2014 by Wilfred Ling 2 Comments

cpf money

You will see Blackrock Global Equity Income Fund being advertised aggressively in Straits Times,  billboards at Raffles Place MRT station. They have also created a BlackRock MRT Nets Flashpay card! This article will provide a simple analysis of the Blackrock Global Equity Income Fund. The Blackrock Global Equity Income Fund is a global equity fund which is benchmarked against the MSCI AC … [Read more...]

Filed Under: Investments, Products, Retirement Planning

73% underestimate the retirement savings needed, says DBS

3, July 2014 by Wilfred Ling Leave a Comment

survey

A DBS survey of 800 people showed that: 73 per cent of the people polled plan to retire between 55 and 65, with an average savings of $571,715. At the same time, more than 85 per cent of those polled expect to live on a retirement income of $3,500 per month for the next 15 to 20 years and more. But DBS said that there is a big gap between both sets of numbers as the average savings would … [Read more...]

Filed Under: Retirement Planning, Surveys

Only 1 in 3 think they can retire at their preferred age, says Aviva

27, May 2014 by Wilfred Ling Leave a Comment

survey

A survey conducted by Aviva Consumer Attitudes Feb 2014 found that: Only 1 in 3 think they can retire at their preferred age 53% worry that they cannot afford an adequate standard of living in retirement 56% think they’ll need $2000 to $6000/month  in retirement But 48% say they’ll only have <$2,000/month based on their retirement plan The Aviva Consumer Attitudes Survey also found … [Read more...]

Filed Under: Retirement Planning, Surveys

Improving the success rate of the retirement portfolio

13, May 2014 by Wilfred Ling 3 Comments

Because you wouldn’t want to sell tissue This is a follow-up article from the previous article I wrote on "Retirees, here is an example of converting capital gains to an income stream". Professional financial planners have been debating ways to improve the success rate of the retirement portfolio. ‘Success’ is defined as the retiree not outliving his or her resources. The success rate of … [Read more...]

Filed Under: Investments, Retirement Planning

Analysis of PruGolden Income Premier, Aviva MyIncomePlus and others

12, May 2014 by Wilfred Ling Leave a Comment

This is an article on how to analyse retirement products specifically single premium types. A typical retirement product is manufactured by insurance company. Typically when you buy a retirement product you will consider the following: The period of ‘accumulation’ phase and the length of  ‘payout phase’. Whether is the premium single premium or regular premium? Whether the payout is … [Read more...]

Filed Under: Insurance, Products, Retirement Planning

TM Retirement PayCheck vs PruGolden Income

11, May 2014 by Wilfred Ling Leave a Comment

TM Retirement PayCheck and PruGolden Income are both retirement products. These products are regular premium.  In this article, I will provide a comparison between these two products against the regular premium competitions namely Aviva MyRetirement and NTUC Income SAIL (RP). If you are looking for single premium retirement products, please refer to this blog article: Analysis of PruGolden … [Read more...]

Filed Under: Insurance, Products, Retirement Planning

Retirees, here is an example of converting capital gains to an income stream

6, May 2014 by Wilfred Ling Leave a Comment

This will save you the headache of chasing dangerous products that have high dividend yields I have written a number of articles on why it is important to focus on total return instead of just looking at dividend yield of an investment. I even did a video on this. In this article, I want to provide an example of why total return approach is important for a retiree. It is a practical example … [Read more...]

Filed Under: Investments, Retirement Planning

  • « Previous Page
  • 1
  • …
  • 6
  • 7
  • 8
  • 9
  • Next Page »

WILFRED LING, CFA

WANT TO GET REGULAR TIPS ON FINANCIAL PLANNING?

JOIN with thousands of other subscribers in getting tips on all aspect of financial planning such as "What is the minimum salary required?", "How avoid insurance that is not suitable", etc.


WILFRED LING IN THE NEWS

Click HERE to find out more.


THE KIND OF CLIENTS I AM LOOKING FOR

NEW TO US?

Learn how you can fully benefit from this massive website: HERE

For Registered Users Only (free)

  • Webinar on 7 Real Stories To Achieve Your Financial Freedom 6/6/2023
  • Webinar on Major change in cancer treatments in your integrated shield plans 3/9/2022
  • How and what to invest now? (Webinar) 28/7/2022
  • How to identify high performing unit trusts in 3 steps (Webinar) 3/9/2021
  • Financial Planning – Christian Perspective Part 2 (Webinar) 14/8/2021

View All

For Clients Only

  • Video Message to Clients 30/12/2021
  • Exclusive client-only Investment Update Webinar by Wilfred 26/11/2021
  • JPMorgan Guide to Market Q2 2020 15/4/2020
  • JPMorgan Perspective Q2 2020 15/4/2020
  • JPMorgan Guide to Market Q1 2020 5/2/2020

View All

Recent comments

  • Dipokdas on Travel Without Financial Worries: 3 Tips to Achieve Financial Independence (Sydney)
  • Nay Nay on Is PruSelect Vantage plan a good or bad product?
  • Basil on Question on Manulife InvestReady
  • mah weng kong on Is PruSelect Vantage plan a good or bad product?
  • Rafi on Wilfred Ling’s Story, the beginning
  • ECE7 on Wilfred Ling’s Story, the beginning

Read articles based on different categories

Chartered Financial Analyst

CFA

Chartered Financial Consultant

ChFC

Featured Blogger

IM$avvy

© Copyright 2006-2025 Wilfred Ling

This advertisement or publication has not been reviewed by the Monetary Authority of Singapore

hollow-nasty
hollow-nasty
hollow-nasty
hollow-nasty