Kera Lim

23/03/2025

Don’t look the best here but still gonna post it to honour those who has helped and supported me in this journey making it possible for me to attend this Awards Night 🥰

Grateful to my friends, family and clients who has trusted me from the start of my career and through my transition journey from GE to AIA 🩵

Thankful to be brought into this new environment with successful leaders who encouraged and coached me even tho it might not even benefit you 🩵

Definitely not an easy journey for me to achieve all these awards in 4 months, but all of y’all made it easier and possible 🫶🏻

I hope I did y’all proud and promise will do better each year ☺️

29/02/2024

𝐓𝐡𝐞 𝐆𝐨𝐨𝐝 & 𝐁𝐚𝐝 𝐎𝐟 𝐓𝐡𝐞 𝟒 𝐂𝐏𝐅 𝐈𝐧𝐬𝐮𝐫𝐚𝐧𝐜𝐞 𝐒𝐜𝐡𝐞𝐦𝐞𝐬

The post mentioned 3/4 of CPF insurance schemes, the last one will be 𝗛𝗼𝗺𝗲 𝗣𝗿𝗼𝘁𝗲𝗰𝘁𝗶𝗼𝗻 𝗦𝗰𝗵𝗲𝗺𝗲 (𝗛𝗣𝗦)

This is a mortgage-reducing insurance that protects homeowners in the event of Death, Terminal Illness and Total Permanent Disability.
The HPS provides basic protection for homeowners, covering outstanding housing loans up to a maximum sum assured of $600,000.

WHY IS THIS INSUFFICIENT?
1) $600,000 might not be enough for individuals with high-value HDBs (hello prime location housing)
2) Tied to the specific flat, if you buy a new flat, you have to buy a new policy;
3) The payout can only be used to service the mortgage loan;
4) Only covers HDBs, doesn’t cover private properties.

WHAT CAN YOU DO ABOUT IT?
Consider supplementing your coverage with mortgage insurance or replacing it with a life insurance plan from a private insurer for higher coverage and significantly increased flexibility on how this payout can be used.

𝗗𝗠 𝗺𝗲 “𝗖𝗣𝗙” 𝗶𝗳 𝘆𝗼𝘂 𝗻𝗲𝗲𝗱 𝗺𝗼𝗿𝗲 𝗰𝗹𝗮𝗿𝗶𝗳𝗶𝗰𝗮𝘁𝗶𝗼𝗻𝘀 𝗼𝗻 𝗮𝗻𝘆 𝗼𝗳 𝘁𝗵𝗲𝘀𝗲 𝗶𝗻𝗳𝗼.

08/01/2024

𝐖𝐡𝐚𝐭 𝐰𝐞 𝐚𝐥𝐥 𝐠𝐨𝐭 𝐰𝐫𝐨𝐧𝐠 𝐚𝐛𝐨𝐮𝐭 𝐛𝐮𝐢𝐥𝐝𝐢𝐧𝐠 𝐚 𝐩𝐚𝐬𝐬𝐢𝐯𝐞 𝐢𝐧𝐜𝐨𝐦𝐞 𝐬𝐭𝐫𝐞𝐚𝐦

If you’ve been keeping up with the times in today’s era of investing, I’m sure you’ve heard of something called passive income.

It seems like the only thing people are talking about.

Having one or more passive income streams so you don’t have to work…
Or at least not stay dependent on jobs that you hate.
So you may fly to another country on the spur of the moment...
With a grand reward of free money and time.

The good news is, it’s 𝗗𝗘𝗙𝗜𝗡𝗜𝗧𝗘𝗟𝗬 𝗣𝗢𝗦𝗦𝗜𝗕𝗟𝗘.

The most widespread misperception, however, is that it is something that can be accomplished quickly.
(It technically is if you have a million dollars in capital RIGHT NOW, but do you?)

If you don’t, keep reading, because in this post I’ll show you to calculate how much capital you’ll need for the passive income of your dreams and the biggest assumption you need to be aware of that can derail your entire journey.

𝗗𝗠 𝗺𝗲 “𝗣.𝗜.” 𝗶𝗳 𝘆𝗼𝘂 𝘄𝗮𝗻𝘁 𝘁𝗼 𝘀𝘁𝗮𝗿𝘁 𝗯𝘂𝗶𝗹𝗱𝗶𝗻𝗴 𝘆𝗼𝘂𝗿 𝗽𝗮𝘀𝘀𝗶𝘃𝗲 𝗶𝗻𝗰𝗼𝗺𝗲!

26/10/2023

𝐖𝐡𝐲 𝐰𝐚𝐢𝐭𝐢𝐧𝐠 𝐭𝐨 𝐢𝐧𝐯𝐞𝐬𝐭 𝐢𝐬 𝐜𝐨𝐬𝐭𝐢𝐧𝐠 𝐲𝐨𝐮 𝐭𝐡𝐨𝐮𝐬𝐚𝐧𝐝𝐬?

Are you guilty of putting off saving because you think you don’t have enough money or have a habit of spending impulsively, leaving nothing to save?

I have been too.

In fact, when I was younger, I experienced living paycheck to paycheck and had no savings.

If you can relate, I have some news for you.

Everything may appear to be good right now, but everyday you don’t save and invest, you’re losing hundreds of thousands of dollars.

So if you’re ready to achieve all your financial aspirations ON TIME, let’s dive in!😃

𝗗𝗠 𝗺𝗲 “𝗦𝗧𝗔𝗥𝗧” 𝗶𝗳 𝘆𝗼𝘂 𝘄𝗮𝗻𝘁 𝘁𝗼 𝗸𝗻𝗼𝘄 𝗺𝗼𝗿𝗲 𝗮𝗯𝗼𝘂𝘁 𝗵𝗼𝘄 𝘁𝗼 𝘀𝘁𝗮𝗿𝘁 𝘀𝗮𝘃𝗶𝗻𝗴 𝗮𝗻𝗱 𝗶𝗻𝘃𝗲𝘀𝘁𝗶𝗻𝗴 𝘁𝗵𝗲 𝗿𝗶𝗴𝗵𝘁 𝘄𝗮𝘆!

18/10/2023

• 𝐑𝐞𝐚𝐥𝐢𝐭𝐲 𝐂𝐡𝐞𝐜𝐤: 𝐎𝐥𝐢𝐯𝐢𝐚’𝐬 𝐣𝐨𝐮𝐫𝐧𝐞𝐲 𝐭𝐨 𝐜𝐥𝐞𝐚𝐫 𝐬𝐜𝐡𝐨𝐨𝐥 𝐥𝐨𝐚𝐧𝐬 & 𝐚𝐟𝐟𝐨𝐫𝐝𝐢𝐧𝐠 𝐚 𝐡𝐨𝐮𝐬𝐞.

• Why did she need to plan finances as a student?
• Mindset change and reality check after our meet up, can she afford her goals?

Swipe to read about the difficulties she encountered and her experience with me and my services.

𝗜𝗳 𝘆𝗼𝘂 𝗻𝗲𝗲𝗱 𝘀𝗼𝗺𝗲𝗼𝗻𝗲 𝘁𝗼 𝗵𝗲𝗹𝗽 𝘆𝗼𝘂 𝗹𝗼𝗼𝗸 𝘁𝗵𝗿𝗼𝘂𝗴𝗵 𝘆𝗼𝘂𝗿 𝗳𝗶𝗻𝗮𝗻𝗰𝗲𝘀 𝘁𝗼 𝗽𝗹𝗮𝗻 𝘆𝗼𝘂𝗿 𝗳𝗶𝗻𝗮𝗻𝗰𝗲𝘀 𝘀𝘂𝗰𝗵 𝗮𝘀 𝗰𝗼𝗽𝗶𝗻𝗴 𝘄𝗶𝘁𝗵 𝘀𝘁𝘂𝗱𝘆 𝗹𝗼𝗮𝗻𝘀, 𝗯𝘂𝘆𝗶𝗻𝗴 𝘆𝗼𝘂𝗿 𝟭𝘀𝘁 𝗵𝗼𝘂𝘀𝗲, 𝗿𝗲𝗻𝗼𝘃𝗮𝘁𝗶𝗼𝗻𝘀 𝗼𝗿 𝘀𝘁𝗮𝗿𝘁𝗶𝗻𝗴 𝗮 𝗳𝗮𝗺𝗶𝗹𝘆, 𝗗𝗠 𝗺𝗲 “𝗦𝗖𝗛”, 𝗜’𝗹𝗹 𝗴𝗲𝘁 𝗯𝗮𝗰𝗸 𝘁𝗼 𝘆𝗼𝘂 𝗮𝘀 𝘀𝗼𝗼𝗻 𝗮𝘀 𝗽𝗼𝘀𝘀𝗶𝗯𝗹𝗲!☺️
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20/09/2023

• 𝐍𝐢𝐜𝐨𝐥𝐞’𝐬 𝐣𝐨𝐮𝐫𝐧𝐞𝐲 𝐭𝐨 𝐩𝐥𝐚𝐧 𝐟𝐨𝐫 𝐟𝐮𝐭𝐮𝐫𝐞 𝐫𝐞𝐭𝐢𝐫𝐞𝐦𝐞𝐧𝐭 𝐟𝐮𝐧𝐝𝐬.

• Why was she so ready to invest although she’s still schooling?
• Why did she approach me instead of going along with other FC’s that approached her?

Swipe to read about the difficulties she encountered and her experience with me and my services.

𝙄𝙛 𝙮𝙤𝙪 𝙬𝙖𝙣𝙩 𝙨𝙤𝙢𝙚𝙤𝙣𝙚 𝙩𝙤 𝙝𝙚𝙡𝙥 𝙮𝙤𝙪 𝙖𝙡𝙡𝙤𝙘𝙖𝙩𝙚 𝙮𝙤𝙪𝙧 𝙖𝙨𝙨𝙚𝙩𝙨 𝙗𝙚𝙩𝙩𝙚𝙧, 𝘿𝙈 𝙢𝙚 “$”, 𝙄’𝙡𝙡 𝙜𝙚𝙩 𝙗𝙖𝙘𝙠 𝙩𝙤 𝙮𝙤𝙪 𝙖𝙨 𝙨𝙤𝙤𝙣 𝙖𝙨 𝙥𝙤𝙨𝙨𝙞𝙗𝙡𝙚☺️
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18/09/2023

𝐓𝐡𝐞 𝐒&𝐏 𝟓𝟎𝟎’𝐬 𝐃𝐢𝐫𝐭𝐲 𝐋𝐢𝐭𝐭𝐥𝐞 𝐒𝐞𝐜𝐫𝐞𝐭𝐬… 𝐖𝐡𝐲 𝐈𝐭 𝐌𝐚𝐲 𝐁𝐞 𝐓𝐨𝐨 𝐋𝐢𝐦𝐢𝐭𝐞𝐝 𝐟𝐨𝐫 𝐘𝐨𝐮𝐫 𝐈𝐧𝐯𝐞𝐬𝐭𝐦𝐞𝐧𝐭 𝐍𝐞𝐞𝐝𝐬!

If you are solely invested or planning to only invest in the S&P 500, this is for you.

Before we begin, some context:

The S&P 500 index is a stock market index that seeks to track the stocks of 500 large U.S. companies and represents the stock market's performance by tracking and reporting the rate-of-return from some of the largest companies in America.

Over the last 10 years, the index has posted an annualized return of 9.8%, and over the last 20 years, 6.3%.

Since it’s so popular, it must be the best, right? Wrong.

So how are you affected when the market crashes and your portfolio dips?
Read my post to find the answers 😃

Don’t have the time or knowledge?
DM me to find out how you can better diversify your assets!
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04/09/2023

August 2023 marks my official 1-year milestone in this incredible journey, and I wanted to take a moment to express my heartfelt gratitude☺️

I've been sending out customised gifts to my clients, as a token of appreciation for they helped me be where I am today. Especially to those who trusted and supported me right from the beginning, your trust in me when I was just starting out means the world, and I can't thank you enough🥰

Starting in this industry without connections was not easy, especially with the presence of 7 other planner friends around me. It's been a journey of growth and transformation, both in my mindset and approach.

While I may not yet hold titles like 'top planner,' 'top sales,' or 'MDRT achiever,' I am very proud to say that I serve my friends and clients with genuine care and dedication. I promise to be there for you, just as you've been there for me during the toughest times in my career.🫶🏻

Here's to more years of growing and journeying with y’all to achieve financial independence and secure our future together!🥳

Thank you for being a part of my journey and I am very blessed to have 99% of my clients being appreciative of me and my work for them😌

23/08/2023

𝐁𝐓𝐎 𝐃𝐨𝐰𝐧-𝐏𝐚𝐲𝐦𝐞𝐧𝐭 𝐖𝐨𝐫𝐫𝐢𝐞𝐬? 𝐇𝐞𝐫𝐞'𝐬 𝐖𝐡𝐚𝐭 𝐘𝐨𝐮 𝐍𝐞𝐞𝐝 𝐓𝐨 𝐊𝐧𝐨𝐰 𝐅𝐨𝐫 𝐒𝐭𝐫𝐞𝐬𝐬-𝐅𝐫𝐞𝐞 𝐁𝐓𝐎 𝐏𝐮𝐫𝐜𝐡𝐚𝐬𝐞𝐬 🏘️

"I can't start investing yet, I need to save up for my house..."

If this sounds like you, you need to read this post.

Many of my clients are now making their first house purchases, including me!

When we consider this impending expenditure, we often feel stressed and frustrated since it is a huge financial commitment.

The problem is that, if you decide against concurrently investing for your long-term objectives, it is quite certain that you won't be able to retire in the time that you desire and with the lifestyle you want.

Don’t worry though! You’ll find some steps in this post on how you can strike off your BTO downpayment as a financial worry, so you can start your journey towards financial freedom with peace of mind.

✅ Know the value of your desired property
✅ Use the staggered downpayment scheme
✅ Know your EHG amount
✅ Don’t forget your CPF monies!
✅ Refer to the post for calculations & the average timeline 😃

Past BTO prices: https://www.propertyguru.com.sg/property-guides/ultimate-list-of-bto-flat-prices-54099

Stamp Duty Calculator: https://www.propertyguru.com.sg/mortgage/calculators/stamp-duty

I hope this provides some reassurance regarding your BTO down-payment. The process of buying a home is definitely not as daunting when you gain clarity on the financial aspects ☺️

Additionally, do remember to begin investing as soon as possible to ensure that you can achieve your dream of financial freedom without any setbacks!

Good luck on your applications and stay tuned for more posts like these 😉

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14/08/2023

In life, we often plan meticulously for milestones such as education, career, family and retirement. However, there's one critical aspect that might not be receiving the attention it deserves: Long-Term Care Insurance. Why is it overlooked? Imagine if you are hospitalised today, what happens when you're not fully recovered and still requires care after you're discharged, how do you sustain the care without an income and insurance claims?...

In life, we often plan meticulously for milestones such as education, career, family and retirement. However, there’s one critical aspect that might not be receiving the attention it deserves…

14/08/2023

Recovering from disability takes time, and it comes with long-term medical and caregiving expenses. So, having the assurance of cash payouts to lighten your daily living expenses is important.

With GREAT CareShield, monthly payouts start when you are unable to perform just 1 out of the 6 Activities of Daily Living. Additionally, you will receive a lump sum payout that can be payable again upon future occurrence of disability from a different and unrelated cause.

Click to sign up online: https://go.greateasternlife.com/gcss?m=98452326

Representative No: LCY300664904

Should you wish to validate my identity, you may visit the MAS website, Register of Representatives.

All benefits are subject to Deferment Period. T&Cs apply. Protected up to specified limits by SDIC.