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Wilfred Ling

Watch Video Presentation on "Investment Market Update for July 2011"

February 4, 2012 by Wilfred Ling
Watch Video Presentation on “Investment Market Update for July 2011″ Written by Wilfred Ling    Saturday, 04 February 2012 Where the economy is going? How should one invest? While there are market news that you can get from the Internet, newspapers and friends, it is too easy to be overwhelmed by the large amount of [...]

in Categories: Investing

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Bogle, Volcker Discuss State of U.S. Financial System

February 3, 2012 by Wilfred Ling
Written by Wilfred Ling    Thursday, 02 February 2012 John Bogle, the founder of mutual fund company Vanguard Group Inc. who popularized index investing, and former Federal Reserve Chairman Paul Volcker discuss the U.S. financial system and investor confidence: This entry passed through the Full-Text RSS service — if this is your content and you’re [...]

in Categories: Investing

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The Risk Factors and Economic Impact behind Commercial and Sovereign Debt

January 31, 2012 by Wilfred Ling
Written by Wilfred Ling    Tuesday, 31 January 2012 This video discusses commercial bank leverage, calculating risk weightings, and the long-term effects of excessive sovereign debt: HERE (login required, for clients only) This entry passed through the Full-Text [...]

in Categories: Uncategorized

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How to calculate bonuses for participating life policies

December 31, 2011 by Wilfred Ling
Someone asked me how to calculate bonuses for participating life policies. I asked the individual to provide me with the latest benefit illustration. The policy was already in-force for some time already. I will use this policy as an example on how to calculate bonuses. Unfortunately, there was insufficient information to calculate bonuses for surrender [...]

in Categories: Insurance

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The Shadow Market ends up in retail investments

December 27, 2011 by Wilfred Ling
Written by Wilfred Ling    Tuesday, 27 December 2011 Complicated but largely unregulated derivatives like mortgage-backed securities (MBS), Credit Default Swaps etc had found its way to ordinary investments such as unit trusts. I recalled in 2008, even money market funds had MBS inside it. Because Investments-linked policies (ILPs) basically invest in underlying unit trusts, [...]

in Categories: Investing

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S73 insurance policies in dispute

December 23, 2011 by Wilfred Ling
The case “Lim Lina v Estate of Quick Cheng Gee, deceased” dated 19 Dec 2011 shows that insurance nominations made under Section 73(1) of the Conveyancing and Law of Property Act does not form part of the life assured’s estate. To me it is a straight forward case but nevertheless it was still disputed. The [...]

in Categories: Insurance

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High-Frequency Trading, Flow Toxicity, and the Flash Crash

December 23, 2011 by Wilfred Ling
Written by Wilfred Ling    Friday, 23 December 2011 Since high frequency trading has become a norm, it is important to further understand this. Although the retail investors cannot gain access to this type of trading, it is important to understand the impact of it. Investment has become more complex these days. Here is a [...]

in Categories: Investing

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What is high speed trading, algorithmic trading, quantitative trading and high frequency trading?

December 21, 2011 by Wilfred Ling
Written by Wilfred Ling    Wednesday, 21 December 2011 High speed trading. It is also known as algorithmic trading, quantitative trading and high frequency trading. Much of such algorithmic trading is proprietary. Very little is known how it works. It was estimated that high frequency trading account for 56% of the equity trades in the [...]

in Categories: Investing

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Advisers fear of not able to pass new exams

December 19, 2011 by Wilfred Ling
In the Straits Times today entitled Agents fear they can’t measure up, many financial advisers expressed fear that they may not be able to pass the two new exams required by the regulator. For those who are advising on collective investment schemes (CIS), they are required to pass “M8A – Collective Investment Schemes II” while [...]

in Categories: Business

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Runner who died after StanChart Marathon was ‘man of steel’

December 6, 2011 by Wilfred Ling
Written by Wilfred Ling    Tuesday, 06 December 2011 It was reported that the 22-year-old student who collapsed and died after completing a 21.1km half-marathon on Sunday, was regarded by his friends as a ‘man of steel’. My sincere condolences to his friends and relatives. It is indeed shocking how such a young and healthy [...]

in Categories: Investing

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15 financial institutions fined by MAS

December 6, 2011 by Wilfred Ling
[unable to retrieve full-text content]During the launch of the Representative Notification System (RNS) on 26 Nov 2010, several financial institutions failed to ensure that the relevant regulated activities were reflected against their representatives’ names in the public register before their representatives engaged in regulated activities. As a result, their representatives conducted regulated activities before they [...]

in Categories: Uncategorized

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Question on hefty tax on death

December 6, 2011 by Wilfred Ling
[unable to retrieve full-text content]Question: My father died recently. My mother was shocked that she needs to pay $12,600 in tax to have my father’s property transfer to herself. I thought estate duty was already abolished. Why my mother need to pay so much in estate duty? Answer:

in Categories: Uncategorized

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CPF Nomination ends up with Official Assignee due to poor financial planning

November 22, 2011 by Wilfred Ling
Central Provident Fund (CPF) monies bequeathed to a bankrupt by a deceased member stands to be seized by the Official Assignee (OA). This is the verdict by the Court of Appeal in the case of Lim Lye Hiang v Official Assignee (Singapore Law Watch). The Straits Times carried the same story available from CPF’s IM$avvy [...]

in Categories: Personal Finance

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What is the ISO 22222:2005?

October 21, 2011 by Wilfred Ling
[unable to retrieve full-text content]Currently, clients who wish to engage the services of a financial planner often face the following problems: With so many financial planners to choose from, how can clients know who to trust? How should clients compare the different schemes offered by financial planners? How can clients be assured that the financial [...]

in Categories: Uncategorized

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Four mentally incapacitated adults found abused in dungeon

October 19, 2011 by Wilfred Ling
The Philadelphia Police arrested three suspects for kidnapping, aggravated assault, false imprisonment and unlawful restraint after four mentally incapacitated adults were discovered in a dungeon. The adult victims were said to have only the mental capacity of 10-year olds. It was reported that these victims were falsely imprisoned so as to be robbed of their [...]

in Categories: Uncategorized

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Question on Will and Testament

October 17, 2011 by Wilfred Ling
Question: “I am the only child of my mother and my father is no longer with us. My mother is currently bedridden. I am married with no children. I intend to write a will to give all my property to my mother and my wife in equal shares. However, in the event that my mother [...]

in Categories: Personal Finance

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Policy Owners’ Protection Scheme (PPF Scheme) and implications for consumers

October 3, 2011 by Wilfred Ling
The PPF scheme aims to offer protection to policyholders in the event of the insurer failing. The protection is 100% subjected to caps. For individual life and voluntary group life policies (with the exception of annuities), the cap is S$500,000 for the aggregated guaranteed sum assured and S$100,000 for aggregated guaranteed surrender value per life [...]

in Categories: Personal Finance

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Learning from the Michael Jackson Family Trust

September 28, 2011 by Wilfred Ling
While the late pop star Michael Jackson will be remembered as a well-loved celebrity, estate planner like me will remember him as an individual who did his estate plan down right to the finest detail. I was most curious to find out how Michael Jackson wrote his Will and what he left behind. Did he [...]

in Categories: Personal Finance

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