Hi ,I have been reviewing client portfolios recently, and one thing I always come back to is this:A portfolio should not only look good when markets are calm.It should also have a clear plan for what happens when conditions change.So I thought to sha...

Hi ,You may have seen the recent news about a policyholder disputing a critical illness claim after suffering a brain aneurysm.I thought it was worth sharing because it highlights something important:When it comes to critical illness coverage, it is...

Hi ,Came across this article recently and thought it was quite interesting:https://www.straitstimes.com/opinion/the-asset-rich-cash-poor-have-a-housing-dilemmaIt talks about how many people in Singapore end up being “asset-rich but cash-poor” especia...

Hi ,Hope you had a good long weekend. 👍If you’ve recently completed the retirement stress test, there’s one thing most people don’t realise:👉 The result is only as good as the assumptions behind itThings like:inflationinvestment returnsfuture lifes...

Hi ,Just wanted to share something I’ve been using with a few clients recently.I built a short Retirement Income Stress Test to check whether their current setup can actually support their lifestyle in the future.It’s quick (about 60 seconds) and giv...

Hi ,There’s been a lot of noise in the markets recently: war headlines, oil price concerns, and political uncertainty.But when we look beyond the headlines, the actual data and market behaviour tell a clearer story.1) Markets are not moving because o...

Hi !I know it's been a while; I just wanted to check in and see how you and the family are doing.A lot has shifted in the past year or two, cost of living, interest rates, and the general noise of everything, and I have been thinking about some of th...

Hi ,You may have heard about recent changes to Integrated Shield Plan riders starting 1 April.I wanted to summarise what this means for you in a simple way.What has changed?New riders launched by insurers will:• No longer cover the deductible (as req...

Hi ,Many people who are doing well in their careers assume that financial security will naturally follow.But something interesting often happens.A strong income does not always translate into a strong investment structure.Sometimes portfolios end up:...

Dear ,With recent headlines around the Iran conflict and rising oil prices, it’s natural to feel concerned about what this means for markets.Instead of reacting to news, I follow a simple framework to check the “health” of the market before making an...