With Consultants dropping out of your life like flies, this could be a useful guide to nailing a good one.

A huge range of opportunities open up once you're willing to step out of your comfort zone. There's this line that's been bothering me a lot for the last two years. When I first joined Seedly, one of the questions that came up was from someone who was paying off a low-interest loan. I think it was under 2%. The majority of answers gave this line 'Pay off the debt first, for peace of mind.' I would nod my head upon seeing this answer. Yes, this seems like good, logical advice.

ECI insurance has a pretty interesting history. A 2008 study showed that only 5% of people who had bought Critical Illness (CI) insurance had claimed up-to-date. Because this statistic was pretty staggering, it made CI plans look pretty useless. Why would I buy something that I’m not going to claim on, despite the fact Singapore was already starting to show high rates of CI? This, coupled with the economic crisis, kept insurance companies under heavier scrutiny and regulat

The EMH stands for the Efficient Market Hypothesis (aka Efficient Market Theory) and it's an investment theory about how share prices reflect all the information available on those shares. Shares are always traded at their fair value and it is therefore impossible to buy undervalued or sell overpriced stocks. In English, it suggests that the market can't be beaten. There is strong support for this theory (e.g. index funds tend to do a lot better than mutual funds in efficient

CNA published a commentary on how 'Singaporeans were saving too little and too late'. Young adults planned to retire between 55 and 65 with an income of $3,500 yet they only start planning for said retirement once they hit the big 4-0. Many Singaporeans rely only on their CPF for retirement - but given the small amount of interest and the short time that most people start actively saving for retirement, it's highly unrealistic that your CPF will be enough. Let's skip the part

Two days ago, I published an article about how the STI ETF is not suitable as a beginner investment. They might be convenient to buy into, but convenience does not solve its inherent problems. People start investing because they want to grow their wealth stably into the future. While the STI invests in a market you are familiar with - Singapore's - its 30-company nature is not particularly reassuring. Poor diversification means a minor dip in the financial industry can cause

When it comes to investing and insurance, a concept you've likely come across is Buying Term and Investing the Rest (BTIR). BTIR is a strategy that gives you the opportunity to beat a whole life (WL) insurance plan. Here's how it works. Plan 1: WL plan with sum assured (SA) $100k and annual premium $3k. Plan 2: Term plan with SA $100k, annual premium $300, and lasting 20 years. If you invest the difference ($2.7k) over the 20 years and eventually end up with, say, $135k, you