Hello ,As the year comes to a close, it’s the perfect time to start planning your travels for the rest of 2024 and the upcoming year 2025!If you foresee yourself traveling more than 4 times from now through 2025, with each trip averaging over 5 days,...

Hi Zest here!Recently, a client reached out with a question about their No Claim Discount (NCD). They had stopped driving for about 8 months and recently bought a car, wanting to know if they could still enjoy their NCD even though they didn’t renew...

Hey ,With interest rates dropping, now could be a great time to think about new ways to grow your money.One option you might want to consider is adding gold to your portfolio. Gold has always been a valuable asset that can protect your money during t...

Hi ,Good day!Lately, I’ve been having some insightful conversations about retirement readiness, and a common question that comes up is: How do we quickly assess if we're on track for retirement?I thought I'd share a few useful tips that can help you...

Hey ,We are seeing a strong recovery in the Chinese stock markets recently, following several monetary policies introduced by the Chinese government to stimulate economic growth after a major slowdown.Both the Hang Seng and Shanghai indices have incr...

Hello ,Good day! Zest here.In my previous email, I discussed insurance coverage for car repairs due to "Acts of God," such as floods. I also highlighted the importance of understanding your policy terms so that, if a claim arises, you know you're wel...

Hi ,Have you ever considered that some of the best investment opportunities might be right here in Singapore?Investing in global companies, especially in the U.S., is a great long-term strategy. However, U.S. stocks often get overpriced due to market...

Hi ,I hope you’re doing well!I recently had an interesting conversation with a newly married couple who were thinking about how to protect each other financially in case something happened.It’s tough conversation to have, but they felt it was importa...

Hi ," " You may have seen the news last week— the U.S. Federal Reserve cut interest rates by 0.5%, bringing rates down to a range of 4.75% to 5%.According to the Fed’s projections, another 0.5% cut is expected by the end of 2024, followed by an addit...

Hello ,Zest here!Just a few days ago, on Tuesday evening, Singapore was hit by sudden rains and gusty winds, causing trees to fall. I trust that you are safe and weren’t affected in any way.If you’re curious about what happens if your car is damaged...