Author: SG Money Matters

How to Build a Low-Cost Income Investment Portfolio in Singapore

A low-cost income investment portfolio is crucial for retirement planning. Without a portfolio of income-generating assets for passive income, you will never achieve financial freedom. But there are some practical issues to consider. As an independent financial adviser, I spend a lot of time constructing portfolios which will make sense to local investors. Yes, there are a lot of financial products and portfolio theories. But the strategies that most people talk about are based on the assumption of America investors. In reality, they often don’t work well for an Asian investor. In fact,  the value and financial systems are...

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Discounted Online Broker Charles Schwab Singapore is closing

Recently, Charles Schwab has decided to leave Singapore for good. Over the next few months, Charles Schwab Singapore will cease to provide services and will close its office in Singapore. Here is what you need to do. Your Next Steps As soon as possible, you should transfer your assets held at Charles Schwab Singapore to another financial services firm. Alternatively, you may close or sell your positions held at Charles Schwab Singapore and make a full cash withdrawal.  Important Dates Today: You should promptly begin the process of selecting a new provider and take the appropriate steps outlined below. As of U.S. market close on 1st November...

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Endowment Plan: NTUC Capital Plus New Tranche Offers 2.3% Guaranteed Yield (CSN2)

NTUC Capital Plus is a very popular short-term savings plan in Singapore with Guaranteed interest. The insurer NTUC INCOME has just launched a new tranche CSN2 with a 2.3% yield. 3-year single premium endowment plan Non-participating – meaning no bonus, all returns are guaranteed. Guaranteed maturity yield of 2.30% per annum This plan is available via This tranche offers higher return comparing to the previous tranche which offers 2.18% maturity yield. At the end of the policy term, the policy will pay the guaranteed maturity benefit. This plan provides protection against death, and total and permanent disability (TPD before...

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REITs to Riches – How to learn about REITs investing

Many people bought Real Estate Investment Trusts as a safe haven with a stable income. But professionals know REIT is just like any other instruments, you should invest for total return (both capital gain and dividend income). Since I published the article warning investors that REITs was overvalued, I received a lot of queries about how they should deal with their REITs holdings. Singapore REITs will face a choppy storm ahead and even OCBC analyst spoke the REITs can no longer be seen as a “safe asset” if the leverage limit is increased. What should you do about your...

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Reit Investing for Retirement: How to Avoid Massive Loss

Despite the seemingly endless US-China trade war, the market prices of REITs have increased sharply since the beginning of the year. If you have substantial holdings of Real Estate Investment Trusts, you need to be careful. This may sound counter-intuitive, but if you are investing in REIT as an Income Generating Asset for retirement income, you don’t want your share price to go up too fast. Here are several reasons why: Your capital outlay needed to generate the same level of passive income will be much higher. The volatility of your investment portfolio will increase and thus reduce your...

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Astrea V Private Equity Bond: Why I am not thrilled about it

The latest buzz in Singapore’s financial market is the launch of Astrea V PE Bond, a retail private equity bond by a Temasek unit. If you have not heard about it, you do not have much to lose. But if you are contemplating to subscribe to it, you should continue to read. Just google “Astrea V Bond”, you can see that it has already been discussed by many financial bloggers. Many expressed their enthusiasm for the new launch. You can take a look at the short video clip to have a grasp of it. [embedded content] There was a...

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2.25% Guaranteed Interest for Aviva’s 3-year Single Premium Endowment Plan (Eligible for SRS)

The single premium endowment plan has gained popularity over the recent years. With the successful launch of NTUC Income’s Capital Plus and China Taiping’s i-Save, Aviva decides to jump on the bandwagon by offering a similar three-year endowment plan called MySecureSaver. The plan offers a 2.25% Guaranteed Interest per year for 3 years, which is higher than banks’ fixed deposit rates and Singapore Savings Bond (SSB)‘s interest. What is MySecureSaver? Aviva’s MySecureSaver is a single premium, non-participating savings plan. It means all returns are guaranteed. The plan offers: Guaranteed maturity yield – 2.25% over 3 years. Capital guarantee – from...

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Three Investment Principles you Need in Order to Invest Amidst the US-China Trade War

To most people, the US-China Trade War is a disaster. If you believe in the mainstream media, the trade war is a lose-lose situation. Stock market crashes, economic downturns and next financial crises are going to erode your wealth. But for a smart investor, it is a golden opportunity. Volatility shakes off weak hands and leaves money on the table for you to take. I have written a few articles about how to invest during the US-China Trade War. You can check them out here. This is a bigger topic and it has more impact on us as an...

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Universal Life Insurance: How it fits into your legacy planning and retirement planning

Universal life insurance is one of the best solutions for legacy planning and retirement planning, It provides guaranteed returns and liquidity in a volatile time like now. But universal life insurance is a complexed and highly customizable product too. That is why it is often poorly advised, if not mis-sold. As a licensed independent adviser,  I helped clients compare and analyse universal life insurance solutions. In this article, I will share with you: How does universal life insurance work? How does it help ensure your assets well preserved and well managed? What are the common pitfalls of buying universal...

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How to Build an Investment Portfolio for Retirement

If you want to invest for retirement, you are facing an uphill task. Most investment strategies will never help you reach your retirement goals. The reason is simple, they are investment strategies, not retirement strategies. You need to understand that investing for wealth and investing for retirement are not the same thing. I wish I could tell you that you can just leave your money in pension funds like CPF Life, or put your money in some low-cost Exchange Traded Funds (ETFs) and live happily ever after, but it is often not the case. To achieve a comfortable through...

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Endowment Plan: NTUC Capital Plus New Tranche Offers 2.18% Guaranteed Return (CSN1)

NTUC Capital Plus is a very popular short-term savings plan in Singapore with Guaranteed interest. The insurer NTUC INCOME has just launched a new tranche CSN1. This tranche is a 3-year single premium endowment plan Non-participating – meaning no bonus, all returns are guaranteed. Guaranteed returns of 2.18% per annum This tranche offers slightly better return comparing to the previous tranche which offers 2.15% maturity yield. At the end of the policy term, the policy will pay the guaranteed maturity benefit. This plan provides protection against death, and total and permanent disability (TPD before the age of 70) during...

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Why should a foreigner invest in China A Shares and How

If you are a global investor, you can’t ignore China stock markets today, especially China A Shares. The irony is that when the US stock market made a 1% movement, it will be the headline news the next day in the Straits Times. But when China’s stock market made a 5.6% return in a single day on Feb 25, 2019, the report is largely muted. Unlike the glorious day in earlier 2000, China stock is an unloved market. Most Singaporeans don’t invest in China stocks. To a certain extent, some Singapore investors carry a hatred to China stocks. Ask...

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Investing for Retirement: Why you should not over-relying on REITs investment

Real Estate Investment Trust, a.k.a. REIT, is a popular income generating investment nowadays. It is also one of the 5 core Income Generating Assets that I recommend for retirement planning. But the risks of investing in REITs are not well understood. In the course of my work, I realize many people have these common misperceptions: I don’t want to take the risk of investing in stocks, I will just buy REITs REITs are safe It is ok even if the REIT price drops, I can still collect dividends The lower a REIT’s price is, the better, so my dividend yield is...

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How to Build Wealth Through Property Investment: Review of Patrick Liew’s Mencius Advanced Property Investment Course (MAPIC)

Property investment was a model to be rich and wealthy since ancient time. As it is said in the famous Jewish quote A person should always divide his money into three: one third in land (property), one third in commerce (invest), and one third at hand (cash) This is testified in the tiny island of Singapore, land is a scarce resource and the one who use it well amass massive wealth. It is not surprising to see that most Singapore billionaires are in the real estate business. Half of the richest men in Singapore are in real estate business...

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Invest for Retirement: How to Building Resiliency in Volatile Markets

If you are planning for your retirement or financial freedom, you probably start 2019 with a disturbing question after the stock market crash in December 2018. Should you continue to invest or quit? There is no shortage of information on the internet, you probably subscribe to many financial blogs or newspapers. But the information itself is useless, especially in the world of finance. Very often, overloading with information will lead to bad financial decisions. With this in mind, I decided to start 2019 differently. Since my day to day ritual is to study, understand and analyse the financial world,...

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