You know, I’ve always wanted to invest for my mom. About 16 years ago, I was still studying. Mom told me something over dinner I’ll never forget – Dad got to take a pay cut. The company my dad had worked for wasn’t doing well. The global financial crisis had hit his company. And we had to “tighten our belts”. That scared me. Especially when I knew my parents still had to pay for my sisters’ university education. I was the eldest son from a middle-income Singapore family of three kids. I had to make sure my parents were well taken care of financially. The problem was, I realized how much I made as a fresh graduate. Starting pay for graduates back then was around S$2,500-S$3,000 per month. I kept asking myself: how could I ever save up for a house, wedding and even have kids in the future… while also making sure my parents are comfortable in their retirement?...