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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, …

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

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, …

5 Common CPF Myths You Probably Heard Read More »

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 …

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

Have you ever heard of the saying: “You can die in Singapore, but you cannot fall sick – the cost of healthcare is very high!” It is unfortunate if we would experience this ourselves but falling ill or experiencing an accident could come at the least expected times and not within our control. But what …

What is the True Cost of Long Term Care in Singapore Read More »

I hope you will get a personal clarity by the end of this article. Firstly, there are some ways in which you can increase your CPF savings with the extra cash in hand: Voluntary cash contribution to all three accounts (Ordinary, MediSave, and Special Accounts) Cash top-up to Special or Retirement Account via Retirement Sum …

Should You Top Up Your CPF Savings? Read More »

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 …

How to boost your retirement savings – whatever your age Read More »

Imagine owning a Supercar without knowing its full capabilities. You go about the entire time you own it realizing only a fraction of its ability and by the time your ownership of it expires, someone tells you of its magnificence. Alas, you can no longer enjoy it. This is somewhat the current situation what we …

Which CPF L.I.F.E. Plan is Best for you? Read More »