Samuel Khor Financial Services

Samuel Khor Financial Services Samuel Khor is an authorized Financial Consultant representing finexis advisory Pte Ltd. [Reg No. 20

Another certification under my belt!Here is to always improving and being better everyday.P.s The badge looks nifty
29/05/2023

Another certification under my belt!
Here is to always improving and being better everyday.

P.s The badge looks nifty

Generosity begets generosity.Goodwill begets goodwill.Trust however may or may not beget trust.So why build trust when i...
11/06/2022

Generosity begets generosity.

Goodwill begets goodwill.

Trust however may or may not beget trust.

So why build trust when it is more important to build goodwill?

And what is goodwill then, if not trust?

Goodwill, in my opinion, is to give the benefit of the doubt

Goodwill is to give the other person this thought:
"He/She didn't have to do this for me, but he/she did. And that feels nice."

And precisely because of the above, the other may feel initiated to perform an act of goodwill back.

It is giving at no apparent benefit to oneself.

Only then can trust spring forth.

With the Great Resignation happening in many different industries, I was wondering why and how it could happen. Not so m...
30/05/2022

With the Great Resignation happening in many different industries, I was wondering why and how it could happen.

Not so much the technicalities of the phenomenon such as demand and supply but more so the human, emotional aspect of it

As I usually serve clients across different sectors such as civil service and healthcare, here is a result of what I observed.

Just some food for thought

What does it mean to be deserving?A mentor once told me "You are not deserving enough"However, it was so abstract that I...
09/05/2022

What does it mean to be deserving?

A mentor once told me "You are not deserving enough"

However, it was so abstract that I could not make head of tails of it then.

It was only after a period of time and a particular incident that changed my perspective of that sentence

In short, I was given an opportunity that many would be delighted to have, but I declined.

My reason: I feel I was not deserving of that opportunity.

Yet, as i sat in the sidelines, I felt terrible.

As someone who once felt strongly that I was denied opportunities, why did I not take that up when given one?

I had no answer.

It was with some well-needed reflection then that I realise what it meant to me to be deserving.

Some food for thought 🙂

Just one of the many random musing by myself that I thought to put it out there.We all want what is best for ourselves. ...
20/04/2022

Just one of the many random musing by myself that I thought to put it out there.

We all want what is best for ourselves. It is not wrong to do so, but sometimes we may hyper-focus to the point that we also bring such standards onto subjects that we cannot control.

And because of that, we choose to discount the opportunity in front of us.

An opportunity that with some work, may actually turn out meaningful and rewarding in the end.

Because what may seem like perfect fits are due to someone else already putting in the work and effort.

I am very happy to be able to feature Wenwei this round!He is a cherished client and friend who have constantly referred...
23/11/2021

I am very happy to be able to feature Wenwei this round!

He is a cherished client and friend who have constantly referred me to those around him and we share tips and banter occasionally too. 😊

Cheers!

Something I notice when i speak to my clients is that most people's conversations when it comes to Investments revolves ...
10/11/2021

Something I notice when i speak to my clients is that most people's conversations when it comes to Investments revolves around WHAT to invest in.

What is good to buy now?

What is in trend right now?

What platform should I use?

Rarely, the conversation would be about HOW to invest, or even WHY am I investing.

Even then, it may seem kind of abstract.

But wait, the reason why people investing is to earn money isn't it?

How I should invest is just buy and hold.

Simple right?

Unfortunately, investment is not that simple. There are often many aspects to consider, such as risk tolerance, risk affordability, time horizon, portfolio allocation which makes investing much more nuanced than commonly perceived

Because of these factors, it becomes hard to consolidate HOW one may go about investing for their WHY.

Truth be told, there are many ways - goals based, budget based, etc,

That is why I thought in this post I would share how I generally help my client's plan for their goals.

Hope this will give some clarity and direction for those who may be feeling a bit lost or overwhelmed!

Share with me your thoughts and comments! :)

Disclaimer: This is my personal opinion and should not be taken as financial advice

"My grandmother can retire by just keeping her money in the bank""My grandfather is retired on his portfolio of properti...
28/10/2021

"My grandmother can retire by just keeping her money in the bank"

"My grandfather is retired on his portfolio of properties"

"My uncle play stocks so I will learn from him"

So on and so forth.

Things used to work, until it doesn't.

Just like flip-phones used to be in the trend until the key-less smart phone came into the picture.

While the earlier generation is an amazing source of experience and advice, this is also the reason why we need to be flexible - to be updated and adapt according to the times.

Ultimately it is about being aware of your options and what way of planning works for you and your goals instead of sticking to a single way of thinking.

Let me know what you think!

Disclaimer: This is my personal opinion and should not be taken as financial advice

Thank you Caiwei for your kind words and agreeing to being featured on the page!
21/10/2021

Thank you Caiwei for your kind words and agreeing to being featured on the page!

Many times, my clients have come to me saying that they are very lost as to how to determine which insurer's hospital pl...
13/10/2021

Many times, my clients have come to me saying that they are very lost as to how to determine which insurer's hospital plan is better than the others.

My answer to them is and will always be: "They all serve the same function."

Frankly speaking, the differences between them are negligible in the grand scheme of things and what I fear more is that over-comparing would only lead to analysis paralysis.

After all, having coverage is better than not having any at all.

However, for those who would want something more customized to their own preferences, I have highlighted what I think is 4 most important areas to take note of when looking at a hospital plan.

Hopefully this info-graphic will help give better clarity!

Let me know if you think I have missed out something or if you would want to share your thoughts with me!

Disclaimer: This does not constitute as financial advice and is solely my own opinion

An interesting phenomenon I observe over the past years of conversations with my clients has been like this:That financi...
30/09/2021

An interesting phenomenon I observe over the past years of conversations with my clients has been like this:

That financial planning (insurance, investments or otherwise) is almost always the first considered to be reduced or removed. This may happen regardless if it is by choice or otherwise due to changing circumstances

It is understandable but worrying, simply because at that point of time it may seem tempting and even consequence-less to proceed.

However more often than not, they serve purposes that may not be obvious straightaway and need to be reminded of.

Just like Jenga, it may be easy to pull out a block, but the difficulty comes in when you might want to re-stack it back along with the compromised foundation.

A more prudent choice may be to seek a 2nd opinion to understand your options before any action.

Please free to share with me your thoughts!

Credits to owlturd.com for the base comic

Yet another phase of covid restrictions that has happened over the weekend, adding on to the increasingly confusing rule...
27/09/2021

Yet another phase of covid restrictions that has happened over the weekend, adding on to the increasingly confusing rules and guidelines.

So here is a convenient PSA done up by my company for Phase 2HAEM3.5Tightened # to refer to for the next one month.

Also if you tested positive for COVID, there is also a guideline on the different recovery settings you can refer to. Hopefully this will make things easier for everyone involved.

Stay safe!

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