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eemin.the.ifa

NTUC publishes Policy Yields

April 24, 2012 by eemin.the.ifa
On its website and in major papers, NTUC INCOME has published its Actual Yields for policies again. This is a good thing – Policy Yields on NTUC Life Policies (based on performance in 2011). So far, NTUC Income has been generally consistent and reliable in terms of its bonus payouts on its participating life policies. [...]

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Aviva and MyRetirement

April 3, 2012 by eemin.the.ifa
Aviva has launched its latest save-for-retirement plan. {from Aviva} We know that 4 in 10 Singaporeans find financial planning for retirement to be too complicated1. With this in mind we have developed a retirement solution that is simple, safe and sure – MyRetirement. Key benefits are: • Monthly Guaranteed Retirement Income for 10 years2 • [...]

in Categories: Personal Finance

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HSBC Early Critical Care

March 30, 2012 by eemin.the.ifa
HSBC Early Critical Care was launched in early March 2012. It is a pure term insurance protection focussed on early stage critical illness claims. Plan highlights - 100% term protection (standalone plan) - Covers 90 medical conditions across wide scope and severity of critical illnesses. - 100% payout of Sum Assured at all stages, subject [...]

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Greece is Over.. look towards 2013 and beyond

February 19, 2012 by eemin.the.ifa
[unable to retrieve full-text content] It is almost certain Greece will receive the bailout monies from other Eurozone countries and the IMF. Details aside, the stock markets are rallying in the sense of relief since January, on… Come visit eemin.the.ifa for smart financial planning tips… secrets & more!

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CapitaMalls Asia issue 10yr Retail Bond

January 3, 2012 by eemin.the.ifa
[unable to retrieve full-text content] CapitaMalls Asia Limited is offering a 10 years maturity Bond to retail investors. This is a Callable Step-Up Bond. For the first 5 years (from 2012 to 2017), the interest rate is 3.8% per… Come visit eemin.the.ifa for smart financial planning tips… secrets & more!

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Europe at the Brink

January 2, 2012 by eemin.the.ifa
[unable to retrieve full-text content] This 23 minutes WSJ documentary brings together its editors and reporters who examine the origins of Europe’s debt crisis and why it spread with such ferocity to engulf much of… Come visit eemin.the.ifa for smart financial planning tips… secrets & more!

in Categories: Investing

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TM Legacy Plus (revised)

October 18, 2011 by eemin.the.ifa
Tokio Marine Life Insurance revised its highly popular TM Legacy Plus from 14 October 2011. It’s a whole life insurance plan with a Minimum Benefit payable by entry age. Beyond a prescribed age, the payout will be only the basic sum assured together with attaching bonuses (reversionary and terminal). Some quick observations- 1. The Minimum [...]

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Aviva MyLifeChoice

October 3, 2011 by eemin.the.ifa
Aviva MyLifeChoice was launched in September 2011. It’s a new participating Whole Life Plan with flexibility to add on modules for TPD and Critical Illness. It allows policyholders to benefit from:1. An option to increase term life coverage at key life events (e.g. marriage, birth of new child) without evidence of good health.2. Coverage up to 275% [...]

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Early Payout Critical Illness – NTUC VIVOCARE

October 2, 2011 by eemin.the.ifa
NTUC Income has launched VIVOCARE since 19 Aug 2011. It is a plan targeted at the whole spectrum of Critical Illnesses; from EARLY stage to Intermediate and finally, Advanced stage. This means early stage CANCER or carcinoma in situ will be covered, in addition to early stage definitions of other Critical Illnesses. Key Features 1.   Early [...]

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Market Direction, anyone?

September 5, 2011 by eemin.the.ifa
Lots of volatility. Lots of UP and lots more DOWN. So unpredictable, isn’t it (the market)? Well, early this year most wouldn’t imagine what we experienced this August. It’s as if we are re-living the days of fallout from Lehman and AIG back in 2008. Where do we go from here? A Greek hard default [...]

in Categories: Market Review and Trends

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Synthetic ETFs on SGX

August 26, 2011 by eemin.the.ifa
Good news for retail investors. To make it easier for investors to differentiate between direct replication ETFs and synthetic replication ETFs, representing the two broad structures of ETFs, Singapore Exchange has arranged for the trading name of all synthetic replication ETFs to be tagged with an ‘X’, which appears next to the ‘@’ used to mark [...]

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Markets are Spooked

August 9, 2011 by eemin.the.ifa
Imagine Dow falling 500+ points; Hang Seng peak to trough 1200 points intra-day. STI falling more than 100 points. All this happened the past few days. A repeat of 2008 Lehman, some say. Perhaps in terms of fear and magnitiude. But this time round, the monetary stimulus has been spent. Bullets to fight this impending [...]

in Categories: Market Review and Trends

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US Debt and More to Come

August 1, 2011 by eemin.the.ifa
US debt rules the headlines these few weeks. I think it will become a non-issue this week. When push comes to shove, the US government and politicians will eventually find a way to get past this, till the next round of wrangling at the elections. Moving on, the spotlight likely returns to Europe where I [...]

in Categories: Market Review and Trends

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Upgrading to AIA HealthShield Gold Max

July 11, 2011 by eemin.the.ifa
Following the earlier post on AIA HealthShield Gold Max, here are some clarifications regarding queries received: a. For those who are upgrading from existing AIA Shield plans, does the applicant/insured need to go through medical underwriting as per fresh submission? - Yes, the upgrade request will be subject to medical underwriting. If there are any [...]

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NTUC Capital Plus

July 8, 2011 by eemin.the.ifa
Latest tranche of Capital Plus (CPN23) is launched with effect next monday, 11 July 2011. CPN23 will be opened to all policyholders and new applicants. It has a policy term of 2 years and a guaranteed yield of 1.4% p.a. upon maturity…

in Categories: Personal Finance

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Dr Bull and Asian Investment

July 5, 2011 by eemin.the.ifa
Two events in July 2011. Is Dr Bull Coming Home in 2nd Half 2011? - a talk organised by SIAS in partnership with ETF providers. [I'm not as optimistic as the event title suggests but an educational seminar on ETFs is worth going if you are not familiar with this instrument] - 16 July 2011, [...]

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AVIVA MyShield Enhancements

July 4, 2011 by eemin.the.ifa
From July onwards, Aviva MyShield has introduced further enhancements. 1. Letter of Guarantee is extended to include private hospitals, on top of its list of government restructured hospitals. But the list of private hospitals is currently limited to those within the Parkway Shenton Group i.e. Mount Elizabeth, Gleneagles and Parkway East (formerly Eastshore) hospitals. 2. Annual [...]

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AIA HealthShield Gold Max

July 4, 2011 by eemin.the.ifa
AIA recently launched HealthShield Gold Max in mid June 2011. This new Medisave-approved integrated Shield plan is meant to replace its Healthshield Gold Elite plan. Both cater to those seeking private hospitalization healthcare, including pre- and post- admission treatment up to 100 days. A slight variation to the Congenital Abnormalities benefit for Child of Female Insured (from biological [...]

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