My IFA

Beyond Product Illustrations: The True Role of an Independent Financial Adviser

The above image is a recent conversation with a fellow financial adviser in Avallis Financial. It reminded me why independent financial advisory matters so much today. While reviewing a product illustration, the representative raised several important questions: “Does this calculation sound correct?”“The illustrated yield looks very high based on the information shown.”“I just want to make sure this is the correct way to market the product.”...

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Dollar-Cost-Averaging vs Bottom Fishing

Dollar-Cost-Averaging(DCA) and Bottom Fishing(BF) are two investment strategies that are often debated. Let's do a back-testing simulation to look at how different are the two strategies and which is a better way to invest. The chart below shows the portfolio returns of two investors who invested in the S&P 500 index - One practice DCA by investing $1,000 every month and another practice BF by investing $12,000 a year only at the lowest price for that year....

Dollar-Cost-Averaging vs Bottom Fishing Dollar-Cost-Averaging(DCA) and Bottom Fishing(BF) are two investment strategies that are often debated. Let’s do a back-testing simulation to look at how different are the two strategies and …

There is a major change in our Integrated Shield Plans that will take effect 1st April 2026. Many had asked what they should do. Here are the changes & options for your considerations.

Integrated Shield Plan Changes 2026: What It Means for Your Wallet Over the past few weeks, the table as shown above comparing premium changes across insurers has been widely shared on WhatsApp and social media. I have received more queries about this than almost …

Integrated Shield Plan Changes 2026: What It Means for Your Wallet

Over the past few weeks, the table as shown above comparing premium changes across insurers has been widely shared on WhatsApp and social media. I have received more queries about this than almost anything else in recent memory and rightly so. If you are one of the approximately 71% of Singaporeans who holds an Integrated Shield Plan, and especially if you have a rider attached to it, the changes coming on ...

Integrated Shield Plan Changes 2026: What It Means for Your Wallet Over the past few weeks, the table as shown above comparing premium changes across insurers has been widely shared on WhatsApp and social media. I have received more queries about this than almost …

https://www.channelnewsasia.com/singapore/woman-sues-prudential-payout-stroke-aneurysm-6000751?cid=telegram_cna_social_28112017_cna

Woman sues Prudential, saying insurer used 'buried clause' to deny S$100,000 brain surgery claim The woman alleges that Prudential "manipulated" the language of the contract "with the sole purpose to make financial gains", but Prudential says her condition was clearly excluded in the policy document.

5 Money Mindset Shifts Every Woman Needs in 2026

Every year, International Women's Day gives ladies a moment to pause and reflect. Not just on how far you have come, but on where you want to go. In 2026, with rising costs, shifting careers, and longer life expectancies, one thing is clear: financial empowerment is no longer optional for women. It is essential. The good news? Building wealth isn't just about knowing the right investment products....

5 Money Mindset Shifts Every Woman Needs in 2026 Every year, International Women’s Day gives ladies a moment to pause and reflect. Not just on how far you have come, but on where you want to go. In 2026, with rising costs, shifting careers,…

Love, Money & “Forever”: A Valentine’s Day Guide to Financial Planning

Love, Money & “Forever”: A Valentine’s Day Guide to Financial Planning Valentine’s Day is all about hearts, flowers, and promises. But beyond the chocolates and candlelight, there’s another kind of romance that truly lasts i.e. financial security. Valentine’s Day also…

The 5 Love Languages of Financial Planning between couples

Love, Money & “Forever”: A Valentine’s Day Guide to Financial Planning Valentine’s Day is all about hearts, flowers, and promises. But beyond the chocolates and candlelight, there’s another kind of romance that truly lasts i.e. financial security. Valentine’s Day also…

What's your opinion on Budget 2026?