Retirement Planning Singapore

14/04/2026

🚨 Medical Costs Are Rising Faster Than You Think (16.9%)

A recent Straits Times report highlighted something serious:

👉 Medical cost inflation in Singapore is projected to hit 16.9% in 2026 — a record high 

This isn’t just a number.

It directly affects:
• Your insurance premiums
• Your out-of-pocket hospital bills
• Your long-term retirement planning

⸻

💡 What’s Changing (Very Important)

From 1 April 2026, all Integrated Shield Plans have introduced new riders with major changes:

✔️ Premiums are lower (by ~30–40%)
❗ BUT you now pay more out-of-pocket

Specifically:
• You must pay at least $1,500 deductible before claims kick in
• Co-payment cap increased to $6,000 (previously $3,000) 

👉 In short:
Lower premiums ≠ better coverage

Many people will only realise the gap when they need to claim.

⸻

⚠️ The Real Risk Most People Miss

I’ve seen this happen too often:

“I thought I was fully covered… until the bill came.”

With the new changes:
• Choosing the cheapest plan can mean less protection
• Old plans vs new plans = very different outcomes
• Your current plan may no longer match your expectations

Even insurers themselves warned:
👉 If expectations are not aligned, “you’re going to hit problems down the road” 

⸻

🧠 What This Means For You

This is no longer about just “having insurance”.

It’s about:
1. Clarity – What exactly are you covered for?
2. Cash Flow – Can you handle $3K–$6K bills anytime?
3. Sustainability – Will your plan still make sense in 5–10 years?

⸻

✅ Strong Recommendation

If you haven’t reviewed your healthcare coverage in the last 12 months…

👉 You are likely outdated already

⸻

📩 Let’s Get You Clear

I’m opening up a few slots this month for a simple review:

✔️ Understand what your current plan REALLY covers
✔️ Identify potential gaps under the new rules
✔️ Get a clear strategy to manage rising healthcare costs

👉 Comment “HEALTH” or drop me a PM
(or WhatsApp me directly if you prefer)

I’ll walk you through it step-by-step — no jargon, no pressure.

⸻

❤️ Final Thought

Healthcare is one of the few risks in life that can wipe out years of savings overnight.

Don’t leave it to chance.
Don’t assume you’re covered.

👉 Take 20 minutes to get clarity — your future self (and your family) will thank you.

21/06/2024

Hi everyone! I’m excited to extend a special invitation to you to join the Elite Traders Circle (ETC), an exclusive trading community.

This is your chance to get first-hand information and access to top trading experts, usually reserved for high-ticket events!

Elite Traders Circle:

✨ Access to live trading sessions with top experts in Forex, Stocks, Crypto, and more.

✨ Interactive AMAs where you can get your trading questions answered.

✨ Educational content and strategies to enhance your trading skills.

✨ A supportive community of like-minded traders.
Don’t Miss Out!

We’ll be having our Premier Event on 21st June 2024 at 9pm, where you’ll get to meet all our expert traders and learn directly from them.

The Zoom link for this event will be sent inside the Telegram group, so make sure to join now!

🔗 link - https://bit.ly/joinETC-W

This is a special privilege for my friends to get early access and be part of this exciting journey.

Don’t miss out on this opportunity to elevate your trading game and be part of something truly special.

Looking forward to seeing you there! 🚀

04/05/2022

Key insights:

1. Always do your stock research before you invest
2. Invest when others are fearful and anchor into your core positions into good businesses
3. Invest within your circle of competence, things that you understand

Warren Buffett brought the investing heat at his annual meeting.

10/03/2022

Definitely a growing part of singaporean's retirement planning through CPF planning 😊 Speak to a cpf officer or visit their newly revamped website for further details 💪🏼💪🏼

Start to plan early and you'll be financially prepared for your retirement

19/02/2022

Budget 2022 SG - Something for everyone... which segment affects you the most?

01/12/2021

[Co Create Conference Finale – It’s FREE]

Are You Ready To Become A Co-Author & Create Your NFT Together With Us?

During the Co-Create conference, you will discover how you can become a co-author and launch your very own NFT (digital asset) together with us!

Level up your health / wealth
15 speakers will be sharing with you how you can bring your health and wealth to the next level in 2022.

Create your digital asset
Create your first NFT together with us and launch it on the biggest NFT marketplace!

Power up your branding
Become an co-author to boost your branding and credibility so that you can open up new opportunities.

Why You MUST Attend This Co-Create Conference!
Become A Co-Author
You will have an opportunity to be invited as a co-author to boost your branding and credibility so that you can open up new opportunities.

Create Your First NFT
You will get to create your first NFT together with us and launch it on the biggest NFT marketplace!

Exclusive Insights from Mary Buffett & Sean Seah
Get exclusive insights from both Mary Buffett & Sean Seah during the live webinars. Get your burning questions ready!

Join me and register using this link:
https://tinyurl.com/CCC2021

23/11/2021

So which one will you opt for? Pay off mortgage or invest?

14/11/2021

[How about having assets that pays for your living expenses during RETIREMENT sounds like?]

[𝐀𝐒𝐒𝐄𝐓-𝐋𝐄𝐑𝐀𝐓𝐄 𝟐𝟎𝟐𝟐]
https://upvir.al/ref/617b99988c030M

We are less than 5 days away from the Mega Weekend MBA on the 19th and 20th November 2021! Have You registered for the event?

Some friends have told me that they are excited for the event as they know some of the speakers in the event and this will be one of the valuable online FREE event to attend before the year ends.

If you have yet to experience the power of generating income aside from your work, this is something you MUST attend.

This event is all about learning how to create and accumulate ASSETs through the Speaker’s Sharing and Strategies!

A sneak peek of the content covered:

- How to identify profitable NFT projects to invest in

- Constructing A Million Dollar Portfolio using Options investing

- How to create your own cashflow digital asset from scratch

- 3 Step method to grow your e-commerce business using TikTok ... and much more!!

It will be an eventful FREE weekend event!

So make yourself available on the 19th and 20th this month!

Get your complimentary ticket for the event here:
https://upvir.al/ref/617b99988c030M

Pm me directly if you're keen to find out more details about the event or you can click the link directly to sign up and receive more details. See you at the event =)

Learn how to create and accumulate the best type of assets to accelerate your wealth in 2022!

17/06/2021

ETF is one of the tools we can use to build a long term investment portfolio with diversification built into it 🙂

Investing in Exchange Traded Funds (ETFs) makes it possible for active and passive investors to build a diversified portfolio with a small initial capital. Check out these top 10 most dividend-paying , with 12-month dividend yields ranging from 2.73% to 5.84% via the ETF screener: https://bit.ly/3wooLKn.

23/04/2021

A great overview of how CPF works and how they generate the interest rate that we are getting yearly 👍🏻👍🏻

Published some time back in Business times 👍🏻