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3 key things to take note when investing into Disruptive Innovation themes

Point 1 .Time Horizon Innovation Themes take time, these companies being at the forefront of growth tend to take time to scale, turn profitable and ready for mass adoption. It took Microsoft some 13years before it was adopted universally. It took Facebook 12 years to grow from 100M to 2.7B Monthly Active Users. Point 2. Portfolio Sizing Innovation is, …

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5 Common CPF Myths You Probably Heard

Myth 1: CPF makes you Pay “Double Premiums” for MediShield Life and your personal Integrated Shield Plan (IP) As a Singaporean/PR, you are automatically insured with MediShield Life and premiums are already being deducted from your CPF Medisave account. (see table below) Source: https://www.moh.gov.sg/ By subscribing to an Integrated Shield Plan with a Private Insurer, …

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How is CareShield Life different from other forms of Disability insurance – TPD, Disability Income, ElderShield, Personal Accident Insurance.

Today I will talk about the broad comparisons of Disability Insurance in the industry and how it compares against the New CareShield Life. Click here for a recent article I wrote about CareShield Life.   Total and Permanent Disability (TPD) This usually appears as an add-on to traditional life insurance, and is an advancement of the …

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What You Need to Know About Careshield Life; the latest compulsory long-term care insurance.

Ministry of Health reported that 1 in 2 Singaporeans age 65 could be severely disabled in their lifetime. Disability can arise from illness or accidents, almost always when we least expect it. Given the possibility, how ready are you for this? What is severe disability? It is defined by the inability to perform 3 out of 6 …

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This is the Reason why I’m a firm believer of CPF…

CPF or Central Provident Fund was designed to be a social security pillar for every Singaporean. Providing one with Income during Retirement, funds for housing and healthcare. Compulsory contributions are made based on a portion of paid income from employees and employers. In my previous career, I was offered the option of whether I wanted …

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How to boost your retirement savings – whatever your age

1.Focus on starting today Especially if you’re just beginning to put money away for retirement, I recommend that you start saving and investing as much as you can now, and let compound interest — the ability of your assets to generate earnings, to have an opportunity to work in your favor. 2. Automate your savings Leaving savings …

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