Wealth With Derrick

28/08/2026

If you are between 45 and 54, age 55 is more than just a CPF milestone. It is an important decision point that can affect your savings, liquidity and retirement income for years to come.

I created Before 55: A Practical CPF & Retirement Guide to help Singaporeans understand these decisions clearly and prepare with greater confidence.

This comprehensive 2026 guide explains:

- What happens to your CPF accounts at 55
- The differences between BRS, FRS and ERS
- How CPF LIFE provides lifelong retirement income
- How to estimate your future income and retirement gap
- How housing, healthcare, SRS, cash and investments fit into your plan
- Common CPF mistakes to avoid

It also includes practical examples, checklists and worksheets that you can complete using your own figures.

Download the ebook here:
https://linktr.ee/wealthwithderrick #592206600

Start planning before 55—while you still have time and options on your side.

03/08/2026

August 2026 Monthly Market Outlook is Now Available!

Markets have remained resilient, but the conversation is shifting. Inflation has moved back into the spotlight, central banks continue to be cautious, and AI-driven growth remains a key driver of global markets.

My goal isn't to predict the markets—it's to help you understand what's happening and stay focused on your long-term financial goals.

Download your FREE copy here:
https://tr.ee/uMsaCr8f5U

If you find this report useful, feel free to share it with your family and friends.

Planning today. Securing tomorrow.

01/08/2026

Has Terry Smith changed the way Fundsmith invests?

For years, Fundsmith Equity was known for its simple philosophy: buy great companies and hold them for the long term.

However, Terry Smith's latest investor letter suggests the strategy is evolving.

If you're a Fundsmith investor—or are considering investing in the fund—this analysis will help you understand what has changed and what it could mean for your portfolio.

Read the full article here: https://wealthwithderrick.wixsite.com/home/post/what-terry-smith-s-latest-fundsmith-letter-means-for-investors

I'd also love to hear your thoughts.

Do you think Terry Smith's changes will improve Fundsmith's long-term performance, or should investors go with something else instead?

This article is for educational purposes only and should not be considered financial advice. Past performance is not indicative of future results.

29/07/2026

The best time to buy insurance isn't when life takes an unexpected turn. It's before it does.

Many people put off protection planning because everything seems to be going well today.

But life can change without warning.

As we get older, insurance premiums generally increase. If our health changes, getting the coverage we want may become more difficult—or even impossible.

Planning early isn't about expecting the worst.
It's about giving yourself more choices, protecting your loved ones, and securing your financial future while you still have the opportunity.

The best financial plans are built before they're needed.

If you haven't reviewed your protection plan recently, now is a good time to start the conversation.

28/07/2026

Planning retirement in Singapore? Here are three milestones we recommend by your 40s, 50s and 60s - and the simple actions that get you there.

1) By your 40s: Build an emergency buffer and save at least 20% of income; top up CPF and use tax-efficient investments.

2) By your 50s: Shift to balanced, lower-risk portfolios and confirm adequate life and health coverage.

3) By your 60s: Ensure steady income streams from annuities, CPF LIFE planning and conservative bonds.

Small, timed adjustments compound into lasting security for you and your family in Singapore’s cost environment.

Want tailored steps for your situation? Visit https://wix.to/kfXj20e and let’s start a custom plan together.

27/07/2026

As a parent, I used to think the best gifts were toys and little treats. Lately I’ve been asking a different question: what if the most meaningful gift I can give my child is time — the time for investments to grow and open future choices?

Starting early doesn't require huge amounts. Small, regular investments let compounding work quietly over years, turning disciplined habits into real options for education, a first home, or starting a business. It's about giving opportunity, not entitlement.

If you’re an individual or family thinking about how to build a financial foundation for your child, I’d love to help you create a personalised plan that fits your values. Visit the full article to read examples and the thinking behind this approach — and when you're ready, let’s talk about a strategy tailored for your family.

Link: https://wealthwithderrick.wixsite.com/home/post/the-greatest-gift-you-can-give-your-child-isn-t-a-toy-it-s-time

Listen on Spotify:
https://open.spotify.com/episode/5qfVPDrO40rnFBDYOXvWBW?si=CFWIM-xtRHqZcnf4hPvXnQ&utm_source=copy-link

Share: What small step could you take this month to start?

27/07/2026

As a parent, I used to think the best gifts were toys and little treats. Lately I’ve been asking a different question: what if the most meaningful gift I can give my child is time — the time for investments to grow and open future choices?

Starting early doesn't require huge amounts. Small, regular investments let compounding work quietly over years, turning disciplined habits into real options for education, a first home, or starting a business. It's about giving opportunity, not entitlement.

If you’re an individual or family thinking about how to build a financial foundation for your child, I’d love to help you create a personalised plan that fits your values. Visit the full article to read examples and the thinking behind this approach — and when you're ready, let’s talk about a strategy tailored for your family.

Share: What small step could you take this month to start?

As parents, we dream of giving our children the best possible start in life. While we can't predict what the future holds, we can prepare them for it. With inflation pushing up the cost of living and housing becoming increasingly expensive, building a strong financial foundation has never been more....

25/07/2026

Big news in local insurance today: HSBC is selling its Singapore insurance arm (HSBC Life) to Germany’s Allianz for S$2.7B.

If you have existing HSBC Life policies, here is what you need to know:
- Your coverage stays 100% intact.
- Existing policy terms, benefits, and payout conditions don't change.

HSBC isn't pulling out of Singapore. They're shifting to a "bancassurance" model. In simple terms: HSBC will focus on wealth management and sell Allianz insurance products in their branches over the next 15 years, while Allianz handles the backend underwriting.

Timeline: The deal is set to complete by 1H 2027, so no immediate action is needed on your end.

My take: This is part of a broader trend where banks prefer fee income rather than holding heavy insurance capital reserves on their books. Allianz also gets a strong foothold in SG after the NTUC Income deal fell through in 2024.

Drop me a message if you want me to review your existing HSBC policies!