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https://www.youtube.com/watch?v=IbXP_sUiF8M Question: So should I buy insurance from friends? Answer: No, you should not buy insurance from your friend if your friend has little experience. Do not buy insurance or anything from your friend just for the sake of support. Buy because you felt that the advice given was good and the product suits you. A true friend is the one who will look … [Read more...]

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, it is … [Read more...]

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 $200,000 or … [Read more...]

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...]

  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...]

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...]