Hi ,I wanted to share a quick market update with you because 2026 is shaping up to be a year where investors may need to be more patient and disciplined.Right now, markets are being pulled in two directions.On one hand, AI optimism is still supportin...

Hi ,Building on what I shared previously, here's another angle I often think about when reviewing portfolios.Most people, when they think about losing money, think about market crashes.But in my experience, investors often lose money in 4 other ways,...

Hi ,I came across a Straits Times article recently that reminded me of something important:CareShield Life is a good foundation, but it is not meant to cover the full cost of long-term care.Most of us know we have CareShield Life.But not many people...

Hey ,Blessed Monday!Zest here.Thanks for trying out the Retirement Income Stress Test.I created it as a simple way for people to get a clearer sense of whether they’re really on track for retirement or if there might be gaps worth paying attention to...

Hi ,Happy TGIF!Just a short follow-up to what I shared earlier this week.Out of the 4 questions, I personally find this one the most important:If the portfolio drops 15% to 20%, what is the rule?Hold, add more, rebalance, reduce risk, or wait?Most in...

Hey Gary!Zest here.Thanks for trying out the Retirement Income Stress Test recently.One thing I’ve noticed from many conversations is that most people focus heavily on growing their portfolio… but very few actually test how their assets would transla...

Hi ,I recently wrote a short LinkedIn newsletter on something I often see with pre-retirees:Many people have CPF, savings, insurance policies and investments.But when salary stops, the question changes.It is no longer just: “How much do I have?”It be...

Hi ,I thought to share a quick market update with you.Recently, Asian markets hit new highs, supported by two key factors:First, optimism around AI remains strong.Many Asian companies are benefiting from the global AI buildout, especially in semicond...

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...