So Sin Ting serves as the Chief Client Officer at Endowus, Asia's premier digital wealth platform. With over 15 years of experience, she has worked at top banks in Hong Kong and Singapore, including Morgan Stanley and Nomura. In her recent interview with the Strait Times, she discusses her investment journey, career, balancing life goals with financial planning, learning from early mistakes, and the importance of financial literacy and retirement planning. Three questions Q: What is in your personal portfolio? A: My investment choices and asset allocations are based on my life goals, which help me understand how much I need to invest, the amount of cash flow I need, and the level of risk I can take. The bulk of my assets are with Endowus, via equity in the company and invested on the Endowus platform. I invest my CPF Ordinary Account and Supplementary Retirement Scheme account. I also invest cash across three main “buckets”...