Leow Kian Siong APEX PWM

22/04/2023

Selamat Hari Raya to all who’s celebrating and wishing all the rest a wonderful and restful long weekend!

21/01/2023

Here’s wishing one and all a very happy Lunar New Year and may the year of the Rabbit bring you leaps and bounds to your wishes and desires!

恭喜发财，大吉大利，万事如意！🧧🧧

26/10/2022

With inflation at 5.3%, even a high interest rate environment isn’t that much help.

By placing your money in fixed deposits, at around 3%, your money is still depreciating by 2%!

Passive Income Planning will be important to ensure your money is working as hard as you are to keep up with inflation and to have a good retirement nest egg in the future.

Core inflation rose from 5.1 per cent in August on higher costs of food, services and other goods. Read more at straitstimes.com.

23/10/2022

Wishing you an abundance of love and riches :)

01/10/2022

Some news articles worthy of a read this past week.

Thing to note here is that markets generally tend to trend upwards in the long term. But we are feeling the heat now as we are living in the moment and often times forget to look ahead.

With a market trending down in the short term, and inflation going up, the question is no longer whether is it safe to let your money work harder for you(invest), its a matter of how to make your money work harder, and at the same time ride out volatility and keep up with inflation in the long term.

14/09/2022

This week’s news articles on retirement, fixed deposits and the Cancer Drug List.

These topics has been the talking point between the client and myself this past 2 weeks.

Concerns about rising cost of living and the fear of them not coming down has caused panic to pre retirees to second guess the sufficiency of their nest egg.

The Cancer Drug List is another issue to take note, as the potential cost of treatment can go out of control should the patient have to self fund their treatment without insurance

And on a good note, deposit rates has been on a rise. Is it good to capitalise on it? Will it help or hurt your retirement?

10/09/2022

Buying a 2nd property comes with the potential upside that many are yearning to have, but as the article suggest, paying ABSD to do so might not be the best choice.

Ultimately, the many hoops and red tapes around this 2nd property may make it very stressful for the owners.

Using other financial vehicles, we are also able to attain the potential “rental income” or even “upside” without the risks and hassles. There will also be cases where there are “guaranteed tenants” and “guaranteed buyer” for this investment of yours.

Oh, did i also mention that the capital outlay can also be much lower than that of a property?

Do let me know if you would like to explore such options and I will be most glad to help:)

Hi StackHomes, Foremost, thank you for your insightful articles and unbiased views on residential matters provided to the community and...

08/08/2022

Employment data is one of the most important factors to look at when we are looking to see if the economy is healthy. With more people being employed, productivity will go up. Companies can produce and workers have income to spend.

And if spendings are increased, demand will increase, resulting in an attempt to increase supply. This cycle will be able to ensure a healthy economy.

08/08/2022

What are the ways that we can plan for our retirement with what’s already available?

Do take a look at this article for a good starting point.

Do not turn a blind eye to inflation.. before you know it, your money is no longer worth as much as you thought it would be.

06/08/2022

They forgot to ask another question: Can you afford to pay for the hospital bills WITHOUT any insurance?

(Tap on the image for full view)
Planning to purchase or review your Integrated Shield Plan (IP) coverage? Here’s a handy checklist to help you make an informed decision.

Find out more about IPs and whether they serve your needs: cpf.gov.sg/IPReviewFB

22/07/2022

Some investment articles to share. As always

Keep to your objectives, and stay invested.

22/07/2022

Some estate planning articles to share. Perhaps we can learn a lesson or 2 from here.