By Havend • April 2, 2026
Introduction Four months after the Ministry of Health’s (MOH) announcement of changes to Integrated Shield Plan (IP) riders, all seven IP...
By Havend • March 30, 2026
From the moment I joined Havend, one belief stayed with me: insurance should feel human, not overwhelming. It sounds obvious, but in an industry...
By Havend • February 25, 2026
I entered the insurance industry when I was 23, still studying full-time and trying to figure life out. That year, I earned around $30,000 in...
By Havend • January 29, 2026
When I was asked to write about my own insurance portfolio, I felt both excited and a little apprehensive. I have been in the industry for more than...
By Havend • January 21, 2026
In many families, one person ends up handling all the insurance and financial planning. It is usually the spouse who feels more financially confident...
By Havend • November 26, 2025
Introduction On 26 November 2025, the Ministry of Health announced major changes to the Integrated Shield Plan (IP) riders to address their...
By Havend • August 25, 2025
Note: This post below has been updated on 25 August 2025. Every year ERS will increase. Is topping up to new ERS every year from 55 to 64 be an...
By Havend • August 12, 2025
Samuel is currently 55 years old and aims to retire at 65 years old. To maintain a fulfilling lifestyle, Samuel has outlined his financial needs...
By Havend • June 9, 2025
Everyone aspires to retire one day, hopefully sooner than later. Retirement represents a phase where we no longer have to work for money, but instead...
By Havend • April 16, 2025
Throughout my years in wealth advisory, the most common answer I get when I broach the topic of retirement planning is “Aiya, in Singapore, how to...
