Author: SG Money Matters

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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What If Brexit Has No Deal?

The outcome of Brexit remains uncertain and headlines continue to be noisy, but if you read my article in 2016 about Brexit when it was announced, you know that the market always has an answer. The forex market says it is likely “no deal”, and it is probably good news for the British. What happens if there is no deal? Brexit is ultimately a process rather than a single event. The chart below will help you understand the possible scenarios. Let’s review what has happened in 2016. Like this article? Subscribe for More Simply leave your email for more money and...

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Ivan’s Outrageous Financial Predictions for 2019 and How They Matter to You

Let me put this down first: 2019 is going to be a year of global wealth re-distribution, and money will sneak out of your retirement nest egg if you still try to make and preserve your wealth in a conventional way. You are reading this article is probably because you care about your family’s financial matters. You want to make good financial decisions, you want to grow your wealth and retire comfortably. But if you look at the financial world that you live in today, there are a daily influx of market-moving headlines, investment predictions, wealth building “secrets”. After...

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Best 3-Year Endowment Plan: China Taiping Offers 2.38% Guaranteed Yield

Where can you get Guaranteed Return without locking in your capital for long in the uncertain world today? You should consider short-term endowment plans. In the past couple of years, short-term endowment plans become very popular in Singapore. With the stock market crash in 2018, global uncertainty and escalating US-China trade war, a lot of people are not sure where they should put their retirement funds in 2019. If you are a very conservative person, you may consider the latest offer by China Taiping Insurance, i-Save (i-盈). This is 3-year single premium endowment plan with 2.38% GUARANTEED compounded interest. If...

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Income Tax Relief: 3 Things You Must Do Now Before Year End

Getting started on your tax planning before the New Year begins can help you maximize tax relief and minimize tax payable next year. You may only count your tax relief in April when you declare your income tax. But there are 3 things you must do before the year winds down for more tax relief. Contribute SRS for Tax relief and more The Supplementary Retirement Scheme (SRS) is a voluntary scheme that incentivises individuals to save for retirement by way of tax-deductible contributions. Singapore citizens and permanent residents can get tax relief up to $15,300, while foreign individuals can put in $35,700. You...

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Singapore Savings Bonds – Why I Am Not so Excited About It

For a very long time, Singaporeans were deprived of investing in good financial products. Bond has always been the cornerstone of financial institutions and high net worth individuals’ investment portfolio. However, most bonds in Singapore had a high entry barrier such as $250,000 which makes it exclusive to the wealthy. When retail investors battling in stock markets with bloodshed, bond investors often sit at the beach enjoying their lives and collecting the coupons. If you are not familiar with bond investment, check out how it works in this article. With the twist of Singapore’s retirement system, the government launched a new product...

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What is an Accredited Investor

When you deal with investment products, you may stumble upon a term “Accredited Investor”. There are generally three types of investors in the market: Retail Investors Accredited Investors Institutional Investors Accredited investors (AI) are often High Networth Individuals. They have access to some of the untraditional or sophisticated investment products which are out of touch by the retail investors.  This article will briefly explain Who qualifies as an Accredited Investor? How to qualify? Are products for Accredited Investors good? Why some products are sold for Accredited Investor only The term originates from the English word ‘accredited’ which literally means...

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What is an Accredited Investor

When you deal with investment products, you may stumble upon a term “Accredited Investor”. There are generally three types of investors in the market: Retail Investors Accredited Investors Institutional Investors Accredited investors (AI) are often High Networth Individuals. They have access to some of the untraditional or sophisticated investment products which are out of touch by the retail investors.  This article will briefly explain Who qualifies as an Accredited Investor? How to qualify? Are products for Accredited Investors good? Why some products are sold for Accredited Investor only The term originates from the English word ‘accredited’ which literally means...

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How to Invest After US-China Trade War Truce

2018 was a tough year for investors. Almost all the investments markets (stocks, bonds and commodities) are in a bearish mode. US-China Trade War is not only a war between US and China, it affects all of us. We haven’t seen this for a long time, not since the 2015 China Stockmarket crash, which triggered global stock sell-off. That is why the topics of the debt bubble, recession are repeatedly reported in the news. On 8 December 2018, A truce was announced by US and China, the global market rallied, but it was immediately halted after the news of Hua...

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How to Invest After US-China Trade War Truce

2018 was a tough year for investors. Almost all the investments markets (stocks, bonds and commodities) are in a bearish mode. US-China Trade War is not only a war between US and China, it affects all of us. We haven’t seen this for a long time, not since the 2015 China Stockmarket crash, which triggered global stock sell-off. That is why the topics of the debt bubble, recession are repeatedly reported in the news. On 8 December, 2018, A truce was announced by US and China, the global market rallied, but it was immediately halted after the news of Hua...

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