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Whole Life vs Term (critical illness)

Whole Life vs Term (critical illness)

I read a post by fellow IFA (Martin Lee of Promiseland, aka the Lion Investor). Being a personal friend, I respect him in well regard of his views on investment and personal finances. He recently wrote a piece on Whole Life (insurance) vs Term. Other than pointing out...

Old people don’t need life insurance?

Old people don’t need life insurance?

I was browsing through some of the blogs when I saw Mr Tan's post on insurance. It's his usual style to advice people to buy term and invest the rest. But that doesn't attract me - it's this line: "There is no need for people to have life insurance when they are old."...

High deduction for investment linked plan

High deduction for investment linked plan

A graduate, who recently got a job, was approached by a friend to invest $300 a month in an investment linked policy. His friend showed him the colorful brochures of three funds with projections of yields of 5% and 9%. The graduate sought my views about these funds. I...

Best time to save for Retirement?

Best time to save for Retirement?

Whether we are happy or not, the day of our retirement will come. It may come earlier or later than we expect, depending on our luck and strategy to stay ahead in our senior years. It will be fortunate if we are able to work like our MM Lee at a ripe old age of 85...

How much money do you need (want)?

How much money do you need (want)?

Have you ever asked yourself how much money do you need? Everyday we are working for money, constantly worrying about it and always hoping we can have more. Most of us will think that we will be happy by having more money. Is that so? How much do you need? If you say...

Divestment of FSL Trust

Divestment of FSL Trust

I guess this was an action which should have been taken some time back, but trust me to allow inertia and false hope to dull my thought processes, rationality and objectivity; thus causing me to delay my decision to completely divest First Ship Lease Trust (“FSL...

Shopping vs Investing, behaviour peculiarity

Shopping vs Investing, behaviour peculiarity

Sale!!! Whenever there is some genuine sale giving 'huge' discounts, e.g. 50%, 70% off original price. There'll always be enthusiastic crowds grabbing the items as if things are going for free. I recently encountered one for branded handbags near my working area. Most...

How to Choose a CFD Broker Part 2

How to Choose a CFD Broker Part 2

CityIndex I just closed my Forex CFD trading account with them. What I like about them is the withdrawal procedure. Unlike the other brokers, you do not need to fill in a withdrawal form (hardcopy) and mail/fax it back for processing. I just dropped an email and...

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