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Yew Cheng Yi, 1 Maritime Square, #10-54 HarbourFront Centre, Singapore (2026)

28/05/2026

New chapter. Same mission.

A carefully considered move toward an environment that aligns more closely with our beliefs, vision, and the way we want to serve our clients.

Still fully contactable. Business as usual. More to share soon.

Thank you for the trust over the years. We’re just getting started. 😇

17/05/2026

Came across this series recently, and it really hits home. 💔

Every single one of these slides represents a real person we see in Singapore every day. It’s easy to look at a high salary, a 3.8 GPA, or a $600,000 flat and assume someone is "set." But the reality behind closed doors is often very different:

- The "High Flyer" trapped by overwhelming monthly overheads.
- The Working Mum balancing the brutal math of childcare vs. career.
- The Retiree who is asset-rich but cash-poor.
- The Student staring down an unpredictable job market.
- The Young Couple whose life milestones are on hold.

It reminded me of exactly why I do what I do.

Financial planning isn't just a game of hitting ones and zeros on a spreadsheet. It’s not about pushing cookie-cutter products or aiming for arbitrary, unrealistic milestones.

It’s about people. It’s about understanding the real, messy, everyday problems that life throws at us. Everyone in society has a unique financial struggle, whether they show it on the outside or not. My job isn't to judge those struggles or give you a lecture; it's to take that complexity, simplify it, and offer you a practical solution that actually works for your life.

Let's move past the "traps" and start building solutions that give you breathing room.

If you've been feeling the weight of any of these scenarios lately, let’s have a real, no-pressure conversation. ☕👇

28/04/2026

I spent my evening digging through stacks of old documents in my dad’s room.

What started as a quick check turned into uncovering policies from 2010 to 2022.

No online records.
No digital access.
No clear overview.

Just files… and a lot of unanswered questions.

When I asked my dad about them, he couldn’t clearly remember what most of these policies were for — what they covered, how much was paid, or even why some of them were bought.

And it hit me — this happens more often than people think.

Over time, we accumulate policies from different stages of life. Some made sense back then. Some were bought “just in case.” Some may have been replaced or forgotten.

But today?

No clarity. No structure. No confidence.

Here’s the uncomfortable truth:
Having policies doesn’t mean you’re properly covered.

If you had to rely on them tomorrow, would you actually know:
• What’s covered?
• What’s redundant?
• What’s missing?

If the answer isn’t a clear yes, it’s probably time to take a proper look.

I’m currently helping families整理 and make sense of what they already have — not to push new plans, but to bring clarity to what’s already there.

If you or your parents have files sitting somewhere with no clear understanding, drop me a message.

Let’s organise it properly, so you know exactly where you stand.

24/04/2026

There’s a common narrative online that “old” financial advisors push products, while “new” advisors are more transparent and client-focused. It sounds neat, but reality is less clear-cut.

Experience often gets framed as bias, while being new gets framed as being “clean.” But experience also means seeing market cycles, client mistakes, and long-term outcomes play out. On the other hand, newer advisors may bring fresh thinking and better tools, but they may not have lived through enough real situations to stress-test their advice. Both have strengths, and both have blind spots.

In communities like r/singaporefi, there is strong emphasis on DIY investing, low fees, and avoiding commissions. These are valid points. Cost matters. Simplicity matters. But over time, this can turn into a general distrust of all advisory work, even when advice could add value.

One issue with online financial discussions is that they often highlight worst-case scenarios. Mis-selling stories, high fees, poor returns. These are real, but they are not the full picture. When repeated often, they can create a sense that engaging any advisor is risky by default. That fear can stop people from seeking help even when they are unsure about major decisions.

Another drawback is that online advice is broad by nature. It cannot fully account for personal factors like income stability, family needs, risk tolerance, or behavioural habits. What works well for one person may not suit another. Yet when advice is repeated enough times, it starts to feel universal.

There is also a gap between knowing and doing. Many people understand concepts like diversification or long-term investing, but still struggle with timing decisions, discipline, or reacting to market stress. This is where guidance can matter, whether from an advisor or a structured plan.

The key is not choosing between “advisor” or “no advisor” as a fixed stance. It is about understanding what kind of help is needed, and whether the person providing it is aligned, competent, and clear in their reasoning.

Healthy skepticism is useful. But when it turns into blanket rejection, it may limit options more than it protects.

20/04/2026

I recently spent time speaking with a few elderly individuals who are living alone. These were simple conversations, but they raised some real concerns.

Many have built up savings over the years, yet there is still uncertainty.
What happens to their money when they move on?
Is there a clear plan, or will it be left to chance?
How are they preserving their capital for the long term?
Are they keeping up with rising costs, or slowly losing value without realising it?

And one question that often gets overlooked:
Who is going to take care of them when they need help?

More importantly, how are they planning to ensure that the person caring for them is fairly compensated for their time, effort, and commitment?
These are not easy questions, but they matter.

What stood out to me was not a lack of effort, but a lack of clarity. Most people want stability. They want their money to last. They want to be cared for with dignity. And they want to know everything is properly arranged before they are no longer around to manage it.

Age does not play a big factor in proper financial planning. Starting early helps, but starting late is still far better than not starting at all.

Many advisors focus on selling products.

I focus on securing people’s future, with or without returns.

If this is something you have not thought about yet, it may be time to start the conversation.

30/03/2026

The first thing you learn at a roadshow is how to smile with your eyes.

You stand there for hours, under bright mall lights, watching people pass. Some slow down, some avoid eye contact, some glance at your booth like it might pull them in if they look too long. So you learn the rhythm. A small wave. A nod. A simple “hi.”

Most days, the wave is returned with silence.

Rejection does not come loudly. It comes in small gestures. A polite shake of the head. A quick look at the phone. A step that moves just a bit faster. Sometimes, a smile back, but one that says, “not today.”

At first, it feels personal. You wonder if it is your tone, your face, your timing. But after enough hours, enough days, you start to see something else.

Everyone is carrying something.

The man who brushed past you might be late for work, already stressed before the day even begins. The young couple who smiled but did not stop might be thinking about rent, or a wedding, or whether they are ready for the next step in life. The auntie who waved you away kindly might have seen too many plans, heard too many pitches, and simply wants a quiet walk.

And sometimes, someone does stop.

They stand there, a bit unsure, and you start talking. Not selling, just talking. About work, about family, about money, about fears they do not always say out loud. In those moments, the roadshow booth feels less like a booth and more like a small pause in someone’s busy day.

You realise then that this job is not just about closing cases.

It is about standing in the middle of a crowd and choosing to be open, even when most people walk past. It is about offering a conversation, knowing that nine out of ten times, it will not go anywhere. And still doing it with the same sincerity.

Because behind every rejection is a life you do not see.

And behind every small wave is a quiet hope that maybe, just maybe, you can help someone who needs it, even if they do not know it yet.

27/02/2026

The Late Mr Lee Kuan Yew warned that health insurance becomes a bottomless pit when people stop feeling the cost. When treatment looks free, demand has no limit. Tests increase, upgrades feel normal, and costs rise until the system bends. Singapore endured because it rejected that path and insisted on shared responsibility.

The hard pill is this. Many Singaporeans believe they are safe because they are “fully covered.” In truth, their plans often remove restraint and weaken over time. Premiums climb, terms shift, and gaps surface. The real damage is not the hospital bill. It is learning too late that the structure could not carry the weight.

This is why reviews matter. Not to add more insurance, but to test what you already have against how Singapore’s healthcare system truly works. If your medical cover has never been reviewed properly, you are not protected. You are relying on hope.

10/02/2026

Gold moved fast this week.

In a single week, gold showed the kind of price action I usually expect only when fear enters the market. Tight ranges broke. Volume came in. Momentum followed through.

This is the type of environment scalp traders look for. Clean setups. Clear risk. Quick decisions.

I’ve traded moves like this before. The key is not guessing direction. It’s reading behaviour. Gold does not move without reason.

For longer-term investors, this is where funds like LionGlobal Gold Fund matter.

The fund gives exposure to gold-related equities and assets without the stress of timing every move. When gold trends, quality gold funds compound over time. When volatility hits, they offer diversification many portfolios lack.

What most people miss is this:
Strong returns do not come from products alone. They come from structure, discipline, and supervision.

My clients don’t chase headlines. We position early, size correctly, and review often. Growth is not promised, but process is consistent. Risk is managed. Decisions are explained.

If you want to understand how gold fits into your portfolio, or how to approach volatile markets with clarity instead of emotion, send me a DM.

Follow me for more practical market insights and real conversations about investing.

02/02/2026

New month, fresh momentum and I’m officially back in business.

The past December and January gave me the chance to slow down, reset, and step away for a bit. I spent some time in Taiwan recently, and it turned out to be more than just a trip. Being in a different environment, observing how people plan, work, and think long-term gave me space to reflect on my own approach as a financial advisor.

During this period, I also invested heavily in sharpening my skills — diving deeper into portfolio planning, risk management, and forecasting techniques. The focus was simple: how to help clients plan with more clarity, reduce uncertainty, and build portfolios that are more predictable and accurate over time.

I’m coming back into this new month with a clearer mindset, stronger tools, and a renewed commitment to do right by the people who trust me with their financial decisions. If the start of the year has you thinking about direction, structure, or fine-tuning your plans, I’m ready to help.

Here’s to a focused, intentional, and well-planned year ahead.

25/11/2025

I made a cold call last month that stayed with me.

I reached out to someone who had delayed his PR application for years. He sounded tired. He told me he had tried to start the process many times, but the rules confused him, the forms felt endless, and every rejection story he heard made him lose hope.

I listened. I understood more than I could say. I once worked in ICA, and I’ve seen how heavy the process can feel. There are things I cannot share because of my past role, but I could hear the same pressure in his voice that I used to see at the counters.

He told me he felt stuck. No clear plan. No structure. No idea how to protect his family’s future if he never secured his status here. That call shifted something in me.

It reminded me why I left a stable job to help people plan their lives with less fear. PR is not only about paperwork. It ties into insurance, long-term residency, employment, and family stability. When one part of life feels uncertain, the rest starts to wobble too.

We spent a short time walking through what he could control:
his coverage, his savings plan, his long-term risk, and how all this supports him no matter how his PR outcome turns out.

By the end of the call, he sounded lighter. Not because I solved his PR worries, but because he now had a plan that made him feel safe.

I still think about that call.
A simple call on my end.
A moment of relief on his.
Sometimes one conversation changes more than you expect.

Because I aim to safeguard the people around and the ones i reach out to, in the different stages of their lives.

Yew Cheng Yi

28/05/2026

17/05/2026

28/04/2026

24/04/2026

20/04/2026

30/03/2026

27/02/2026

10/02/2026

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25/11/2025

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