Joey's Page

25/01/2024

真正支持你的人不是在你成功時為你鼓掌歡呼

而是在你努力付出的時候為你加油打氣的人

08/07/2022

Chanced upon this and I thought it’s hilarious as I’m a CP lover and also has been talking to my clients about inflation.

In a nutshell, we can’t do much bout this cycle of rocketed prices except minor adjustments to the spendings.
What we can do is start cultivating positive savings and investment habits to prepare for future cycles.
I often hear “everything is increasing except my salary”. I pointed to my clients that your salary can also increase if you channel part of it onto worthy investment vehicles! Start now, prepare for the future!

13/03/2022

oof

No better time to shield your savings before there’s nothing left to savage!
Time waits for no man. The day is for those who take action!

11/02/2022

Moral of the story:

Buy more insurance! If s**t happens got money, if no s**t happens have returns! Worth your money 😂

03/12/2021

Nights are where dreams come true, let’s work to make them into reality 🦾🦾

05/11/2021

04/11/2021

“About 66 per cent of Singaporeans have made retirement plans this year, up from 63 per cent in 2020, with the biggest growth among those in their 20s and 30s. But less than half of those with plans are on track to meet their goals.”

Are you among the 66%? If yes, congratulations !
Working on a plan is so much better than just thinking bout the plan. Exploring with Professional Financial Advisor on the variety of ideas and instruments available might just make up the shortfall!

SINGAPOREANS are getting a better handle of day-to-day financial management, with more tools available for them to do so. Read more at The Business Times.

02/11/2021

How long do you spend planning a month’s vacation?

It’s always exciting to work out the itinerary, shortlisting restaurants and planning out the travel route to ensure we maximize our holiday.

Retirement is just like a 20 year vacation. The quality of this long and well deserved golden years will depend on your efforts to plan NOW.

18/10/2021

As a Singaporean we are raised with an idea of property investment is the peak of all investments. As land is scarce in this highly developed city island, owning a piece will be fruitful. This fact is probably magnified by Covid, which further amplifies working from home and that a more comfortable residence is more worthwhile than ever.

As land doesn’t grow naturally, it is true that property prices should be resilient and investment-worthy. However, it is exactly because of the above factors, policies need to be in place to keep prices in check and still affordable for citizens and not just for investment purposes. Fiscal policies put in place over the years to ensure properties are bought primarily for residential purposes and therefore eroding the investment yield from the second property onwards.

It’s possible things might take a turn but probably it will take a while.
For now, take time to discuss with a professional financial advisor to explore alternatives ✅

15/10/2021

Quoting Assoc Prof Teo “when someone has a basic standard of living, it enables “a sense of belonging, respect, security and independence”.

It is then crucial to safeguard your standard of living through proper financial planning and always reviewing to ensure optimal efficiency at different times and circumstances.

SINGAPORE — A study by a team of researchers has suggested that for households to reach the incomes they need for a basic standard of living, working parents with two children aged two to 12 will need to each earn $2,906 a month.

14/10/2021

The most common reason why we prefer DIY is to save costs.

“If by doing myself and I can save so much, why not?”

However, it is also worthy to consider other necessary inputs such as time, knowledge, efforts and outcome.

A simple reference is a homemade meal compared to taking away from restaurants or ordering a delivery. Is it always true that we can save so much more by cooking every meal ourselves? Will there be wastage in ingredients, errors made or unforeseen changes in schedules. More importantly, can you expect the same level of satisfaction, convenience and outcome from dining in or a delivery?

Thus it is important to understand the costs vs outcomes. The compromises we are can accept from the different choices we make.

When it comes to financial planning, a more efficient way to save costs might be simply getting more quality advise from a professional who, on your behalf, put in the hours and efforts to possess the necessary knowledge and skills to promptly advise the most efficient way you can attain your goals.

Leverage on professionalism and save the time and efforts for your other aspects of life ✅

Contrary to their reputation for pushy sales tactics, financial advisers help new investors cut through the noise, says an entrepreneur.