Thank you for visiting my website. I provide fee-based professional financial planning services to any individuals living in Singapore.
My main area of competency is financial planning and my fees are transparent. If you like transparency, I would like to meet you in person.
I hold the Chartered Financial Consultant® designation and is a CFA charterholder. I have 12 years of industry experience.
To date, a significant number of families have engaged my services as an independent consultant on an on-going basis to advice them on all areas of wealth management such as tax planning, estate planning, investments, risk management (insurance) and retirement planning and thus empowering them to make informed decisions.
I am also a regular writer for financial magazines and other online portals such as CPF Board’s IM$avvy primarily in areas of wealth management with topics relating to the mass affluent young families.
If you have concerns in areas such as insurance advice, investment advice, tax planning, estate planning, credit management, retirement planning and saving up for your children’s education, feel free to engage my service.
Do note that all articles and posts on this website represents the view of Wilfred Ling only. It does not represent the view of any institutions and companies.
 Wilfred Ling holds the Chartered Financial Analyst designation. CFA® and Chartered Financial Analyst® are registered trademarks owned by CFA Institute. |
 Wilfred Ling holds the Chartered Financial Consultant® designation. The ChFC® mark is the property of The American College, which reserves sole rights to its use, and is used by permission. |
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Hi, I am executive working for (deleted by moderator). I would like to use your services for the following areas:
1. Children education : My daughter is going to UK from sep’15. Would like to know whats the best method to plan to pay for her education from Singapore
2. Investment: I have apprx.$500K cash for investment. Would like to know bets options that can give me 6 to 8% return. Secondly, I want to go for home equity linked credit line ( property valuation $3.9MMm, outstanding loan $2.9MM). Would like to use the credit line for safe investments
3. Estate planning
4. Mortgage insurance
Let me know if we can meet later this week.
(name deleted by moderator)
I have replied to you via email.
Hi,
I have a quick question on CPF, if my contribution exceeds the $31K stipulated (in 2015), then what happens to the excess funds that I have, would it be returned back to me, or would it go into the OA?
Say for example, my annual contributions (from both employer and myself) exceeds the $31K, then what happens?
There are situation which it is possible to exceed the annual contribution limit. You’ll have to ask CPF to clarify since I do not have any of your personal information.
How can the young people start preparing for their retirement in their 20s.