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  • Disappointment

    Disappointed With Your Endowment Returns? It’s Time To Consider ETFs

    BY Eugene - January 17, 2018

    Many years ago, insurance is purely about protection. You would buy an insurance to protect the family’s financials in the event of any mishap to your family’s breadwinner. But insurance has evolved into a whole new beast with time. Today, […]

  • directions

    4 ways to buy insurance – which is best?

    BY Lynette Tan - January 11, 2018

    Do you know that other than going straight to the insurance agent your friend referred you to, there are many other ways you can purchase an insurance policy? Which of these is the best way and how do you spot […]

  • Retirement Holiday

    4 Saving Hacks That Could Get You Closer To A Dream Retirement

    BY Eugene - January 10, 2018

    Lying on the beach chair and enjoying the sunset in Hawaii; Travelling and enjoying the way of life in Europe. These are some of the dream retirements that we all have at the back of our minds. But before you […]

  • PC and paper

    5 factors to consider when choosing a term insurance

    BY Lynette Tan - January 4, 2018

    We’ve previously written about why term insurance makes sense for most people, providing a cost-effective way to get protection without costing an arm and a leg. So whether you are looking to buy an insurance for yourself for the first […]

  • Savings

    3 CPF Hacks You Wish You Knew When You’re Young

    BY admin - January 4, 2018

    Central Provident Fund (CPF) is one of those underappreciated schemes among Singaporeans. This is largely due to the fact that we cannot “touch” the money in our CPF until we are at retirement age. But it doesn’t mean that CPF […]

  • financial planner

    A Percentage Guideline to Your Household Expenditure

    BY Eugene - December 30, 2017

    Some time ago, CNBC published an article on a financial planner’s view on how a US Citizen should spend his/her money, with respect to their income bracket. As a financial planner myself, having the privilege to manage and assess the […]

  • money

    5 Ways to save more money and grow your wealth in 2018  

    BY Lynette Tan - December 27, 2017

    With 2018 just around the corner, it might be the right time to think about some of your financial goals and resolutions for the coming year. The year ahead does look to be more optimistic, with GDP growth forecast revised […]

  • xmas2017

    Your Ultimate Last Minute Xmas Guide 2017 – Where to eat, what to buy

    BY Lynette Tan - December 20, 2017

    Are you feeling the festive spirit yet? With the amount of feasting and gifting going on this week, you might not be in the best mood for work. Why not check out our 2-minute guide to plan out your last […]

  • calculate insurance

    3 Signs to Know If You Have Enough Insurance Coverage

    BY Eugene - December 20, 2017

    There are so many variations of insurance out in the market. It is difficult for financial advisors to tell them apart, let alone consumers who have little clue how to differentiate them. It is no wonder consumers like you and […]

  • bitcoin

    Making Sense of Cryptocurrency

    BY Lynette Tan - December 14, 2017

    In recent months, you must have heard and read a lot of news regarding the phenomenal price spurts of Bitcoin. Within a single month, Bitcoin has risen more than 115%, and over 1,500 % in a year. As of the […]

  • Financial Resolution

    3 Assets You Should Consider Investing In 2018

    BY Eugene - December 10, 2017

    As the end of the year approaches, many of us would be reviewing our financial resolution for 2017. At the same time, we would be thinking ahead on what are the types of financial resolution we want to achieve in […]

  • Home Loan

    Guide To Mortgage Loans: HDB Loan vs Bank Loan

    BY admin - December 6, 2017

    Getting a home is the foundation to starting families in Singapore, according to Singaporeans. Thus, if you are considering whether to get a HDB loan or a bank home loan in Singapore to finance your home in the near future, […]

  • ben-white-137387

    Should I surrender my Life Insurance?

    BY Lynette Tan - December 5, 2017

    For some of us who may be going through a phase of higher financial commitment, surrendering our life insurance policy may come to mind. After all, with all that monthly bills piling up and loans to repay, servicing our insurance […]

  • Asking questions

    Are You Ready To Invest? Answer These 4 Questions First

    BY Eugene - December 1, 2017

      Heard about investing from hearsay and thinking about committing your money into one? Then here are four questions you need to answer first before you can say that you are ready. Do You Have An Emergency Fund Prepared? The […]

  • wall with the drawing of dark clouds, rain and one umbrella, concept of protection and security (3d render)

    Why Term insurance makes sense for most people

    BY Lynette Tan - November 24, 2017

    Ask around and you will realise that almost everyone owns a whole life insurance or some sort of an investment-linked insurance plan. By now, most people should know that there’s a cheaper alternative which exists in the form of Term […]

Illustration of home loan concept with icons

Is It A Good Time Now To Take Up A Fixed Rate Mortgage Loan?

BY Lynette Tan - October 3, 2017

It seems that the housing market in Singapore is finally seeing some light, after recent data showed that the private property index increased 0.5% in Q3, its first uptick after 15 periods of decline. This implies that the worst might […]

home-1622401_1280

Why 2017 Is A Good Year To Buy A New Home

BY Lynette Tan - January 4, 2017

Are you one of those who has been thinking about buying a new home but is trying to catch the bottom? Well, we all know that catching the lowest price is always difficult, but you can probably make do with […]

family, child and parenthood concept - happy mother kissing smiling baby

6 Key Moments In Life Where You Need To Review Your Finances

BY Lynette Tan - November 7, 2016

Maybe you are living from paycheck to paycheck, or perhaps you are one of those who has started out saving half of your salary every month since you’ve started working. But our financial situation and priorities change as we grow […]

choice

20, 25 Or 30 Years… Should I Choose A Shorter Or Longer Home Loan Tenor?

BY Lynette Tan - July 24, 2016

At first glance, the answer seems pretty obvious to most people. Short loan tenor means less interest to pay over the loan tenor, so it must be better right? Well, we wish everything were as straight-forward. After all, there’s a […]

woman-hand-desk-office

“My Home loan was turned down…” – Why & How to Prevent it from happening

BY Lynette Tan - July 11, 2016

So you’ve found your dream home and is now awaiting the approval of the home loan when you get a rude shock from the bank to know that the loan application was rejected. How did this happen? You try to […]

Illustration concepts Debt

What To Do When Your Mortgage Loan Becomes Unaffordable

BY Lynette Tan - June 6, 2016

It’s official, Singapore’s home prices are considered “seriously unaffordable”. According to the 12th Annual Demographia International Housing Affordability Survey, Singapore has a “seriously unaffordable” rating of 5.0. Yet, the percentage of home-ownership in Singapore remains extremely high at more than […]

Magnifying glass over document, highlighting the words "read the fine print".  Cyan toned image.

The DBS May Day 1% Home Loan Offer – Should You Sign Up?

BY Lynette Tan - May 16, 2016

I recently logged into my ibanking account on DBS and saw that DBS is running a May Day Home Loan offer – 1% fixed rate for the first year. I did a double-take; while I’m not looking at taking a […]

mortgage-s

10 Mortgage Jargon Everyone Should Know Before Taking A Home Loan

BY Lynette Tan - February 25, 2016

Singapore is ranked number 4 as one of the world’s highest cost of living and not surprisingly, among the top 10 most expensive cities to buy a property. Yet, it seems almost a given that most Singaporeans are home-owners, or […]

Condominiums Building Construction with Multiple Cranes in Asian City

Understanding Mortgage Payments – Progressive Payment Scheme

BY Lynette Tan - October 28, 2015

When looking at buying a new home, many buyers do their homework diligently – location search, ensuring they choose the best mortgage loans and making sure they meet all the eligibility criteria. But when it comes to payments, many may […]

Asian family lifestyle at home. Father playing with baby boy.

Mortgage Insurance – Is it necessary?

BY Lynette Tan - September 2, 2015

While there’s a lot of talk about buying health insurance or taking a mortgage loan, people seldom mention mortgage insurance. So what exactly is it? Will it help you and do you need it? Let’s find out. What is Mortgage […]