Author: SG Money Matters

Reit Investing for Retirement: How to Avoid Massive Loss

Despite the seemingly endless US-China trade war, the market prices of REITs have increased sharply since the beginning of the year. If you have substantial holdings of Real Estate Investment Trusts, you need to be careful. This may sound counter-intuitive, but if you are investing in REIT as an Income Generating Asset for retirement income, you don’t want your share price to go up too fast. Here are several reasons why: Your capital outlay needed to generate the same level of passive income will be much higher. The volatility of your investment portfolio will increase and thus reduce your...

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Astrea V Private Equity Bond: Why I am not thrilled about it

The latest buzz in Singapore’s financial market is the launch of Astrea V PE Bond, a retail private equity bond by a Temasek unit. If you have not heard about it, you do not have much to lose. But if you are contemplating to subscribe to it, you should continue to read. Just google “Astrea V Bond”, you can see that it has already been discussed by many financial bloggers. Many expressed their enthusiasm for the new launch. You can take a look at the short video clip to have a grasp of it. [embedded content] There was a...

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2.25% Guaranteed Interest for Aviva’s 3-year Single Premium Endowment Plan (Eligible for SRS)

The single premium endowment plan has gained popularity over the recent years. With the successful launch of NTUC Income’s Capital Plus and China Taiping’s i-Save, Aviva decides to jump on the bandwagon by offering a similar three-year endowment plan called MySecureSaver. The plan offers a 2.25% Guaranteed Interest per year for 3 years, which is higher than banks’ fixed deposit rates and Singapore Savings Bond (SSB)‘s interest. What is MySecureSaver? Aviva’s MySecureSaver is a single premium, non-participating savings plan. It means all returns are guaranteed. The plan offers: Guaranteed maturity yield – 2.25% over 3 years. Capital guarantee – from...

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Three Investment Principles you Need in Order to Invest Amidst the US-China Trade War

To most people, the US-China Trade War is a disaster. If you believe in the mainstream media, the trade war is a lose-lose situation. Stock market crashes, economic downturns and next financial crises are going to erode your wealth. But for a smart investor, it is a golden opportunity. Volatility shakes off weak hands and leaves money on the table for you to take. I have written a few articles about how to invest during the US-China Trade War. You can check them out here. This is a bigger topic and it has more impact on us as an...

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Universal Life Insurance: How it fits into your legacy planning and retirement planning

Universal life insurance is one of the best solutions for legacy planning and retirement planning, It provides guaranteed returns and liquidity in a volatile time like now. But universal life insurance is a complexed and highly customizable product too. That is why it is often poorly advised, if not mis-sold. As a licensed independent adviser,  I helped clients compare and analyse universal life insurance solutions. In this article, I will share with you: How does universal life insurance work? How does it help ensure your assets well preserved and well managed? What are the common pitfalls of buying universal...

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How to Build an Investment Portfolio for Retirement

If you want to invest for retirement, you are facing an uphill task. Most investment strategies will never help you reach your retirement goals. The reason is simple, they are investment strategies, not retirement strategies. You need to understand that investing for wealth and investing for retirement are not the same thing. I wish I could tell you that you can just leave your money in pension funds like CPF Life, or put your money in some low-cost Exchange Traded Funds (ETFs) and live happily ever after, but it is often not the case. To achieve a comfortable through...

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Endowment Plan: NTUC Capital Plus New Tranche Offers 2.18% Guaranteed Return (CSN1)

NTUC Capital Plus is a very popular short-term savings plan in Singapore with Guaranteed interest. The insurer NTUC INCOME has just launched a new tranche CSN1. This tranche is a 3-year single premium endowment plan Non-participating – meaning no bonus, all returns are guaranteed. Guaranteed returns of 2.18% per annum This tranche offers slightly better return comparing to the previous tranche which offers 2.15% maturity yield. At the end of the policy term, the policy will pay the guaranteed maturity benefit. This plan provides protection against death, and total and permanent disability (TPD before the age of 70) during...

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Why should a foreigner invest in China A Shares and How

If you are a global investor, you can’t ignore China stock markets today, especially China A Shares. The irony is that when the US stock market made a 1% movement, it will be the headline news the next day in the Straits Times. But when China’s stock market made a 5.6% return in a single day on Feb 25, 2019, the report is largely muted. Unlike the glorious day in earlier 2000, China stock is an unloved market. Most Singaporeans don’t invest in China stocks. To a certain extent, some Singapore investors carry a hatred to China stocks. Ask...

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Investing for Retirement: Why you should not over-relying on REITs investment

Real Estate Investment Trust, a.k.a. REIT, is a popular income generating investment nowadays. It is also one of the 5 core Income Generating Assets that I recommend for retirement planning. But the risks of investing in REITs are not well understood. In the course of my work, I realize many people have these common misperceptions: I don’t want to take the risk of investing in stocks, I will just buy REITs REITs are safe It is ok even if the REIT price drops, I can still collect dividends The lower a REIT’s price is, the better, so my dividend yield is...

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How to Build Wealth Through Property Investment: Review of Patrick Liew’s Mencius Advanced Property Investment Course (MAPIC)

Property investment was a model to be rich and wealthy since ancient time. As it is said in the famous Jewish quote A person should always divide his money into three: one third in land (property), one third in commerce (invest), and one third at hand (cash) This is testified in the tiny island of Singapore, land is a scarce resource and the one who use it well amass massive wealth. It is not surprising to see that most Singapore billionaires are in the real estate business. Half of the richest men in Singapore are in real estate business...

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Invest for Retirement: How to Building Resiliency in Volatile Markets

If you are planning for your retirement or financial freedom, you probably start 2019 with a disturbing question after the stock market crash in December 2018. Should you continue to invest or quit? There is no shortage of information on the internet, you probably subscribe to many financial blogs or newspapers. But the information itself is useless, especially in the world of finance. Very often, overloading with information will lead to bad financial decisions. With this in mind, I decided to start 2019 differently. Since my day to day ritual is to study, understand and analyse the financial world,...

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What If Brexit Has No Deal?

The outcome of Brexit remains uncertain and headlines continue to be noisy, but if you read my article in 2016 about Brexit when it was announced, you know that the market always has an answer. The forex market says it is likely “no deal”, and it is probably good news for the British. What happens if there is no deal? Brexit is ultimately a process rather than a single event. The chart below will help you understand the possible scenarios. Let’s review what has happened in 2016. Like this article? Subscribe for More Simply leave your email for more money and...

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Ivan’s Outrageous Financial Predictions for 2019 and How They Matter to You

Let me put this down first: 2019 is going to be a year of global wealth re-distribution, and money will sneak out of your retirement nest egg if you still try to make and preserve your wealth in a conventional way. You are reading this article is probably because you care about your family’s financial matters. You want to make good financial decisions, you want to grow your wealth and retire comfortably. But if you look at the financial world that you live in today, there are a daily influx of market-moving headlines, investment predictions, wealth building “secrets”. After...

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Best 3-Year Endowment Plan: China Taiping Offers 2.38% Guaranteed Yield

Where can you get Guaranteed Return without locking in your capital for long in the uncertain world today? You should consider short-term endowment plans. In the past couple of years, short-term endowment plans become very popular in Singapore. With the stock market crash in 2018, global uncertainty and escalating US-China trade war, a lot of people are not sure where they should put their retirement funds in 2019. If you are a very conservative person, you may consider the latest offer by China Taiping Insurance, i-Save (i-盈). This is 3-year single premium endowment plan with 2.38% GUARANTEED compounded interest. If...

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Income Tax Relief: 3 Things You Must Do Now Before Year End

Getting started on your tax planning before the New Year begins can help you maximize tax relief and minimize tax payable next year. You may only count your tax relief in April when you declare your income tax. But there are 3 things you must do before the year winds down for more tax relief. Contribute SRS for Tax relief and more The Supplementary Retirement Scheme (SRS) is a voluntary scheme that incentivises individuals to save for retirement by way of tax-deductible contributions. Singapore citizens and permanent residents can get tax relief up to $15,300, while foreign individuals can put in $35,700. You...

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