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Friday, 04 February 2011 |
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Medical insurance is an important insurance which many has neglected. Yet, getting a suitable coverage is more difficult than it seems. In this issue of INVEST, Wilfred Ling writes about this topic which can be downloaded HERE.
The article was first appeared on CPF Board's IMSavvy Blog Corner: http://www.cpf.gov.sg/imsavvy/blog_post.asp?postid=410028623-190-948406457
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Thursday, 28 October 2010 |
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The public's perception on a person who is a professional is often not in line with the actual work which a professional does. In reality, many professionals are mere "form fillings". To the extend, this has resulted in disappointments and even lawsuits. What is meant by "form fillings" and how widespread this practice is? In this INVEST October 2010 issue, Wilfred Ling writes about this topic which can be download
HERE
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Monday, 16 August 2010 |
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It is often thought that to be a Philanthropist means one need to be very rich. This is a common fallacy. What many people do not realised is that to be a Philantropist can be very easy and does not need to be rich at all. In this article written for INVEST August 2010 issue, Wilfred Ling writes about this subject matter.
The article can be downloaded from this link:
HERE
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Saturday, 19 June 2010 |
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Special Needs Saving Scheme (SNSS) and Special Needs Trust Company (SNTC) are one of the various tools one can use for persons with disability. Before using these tools, it is more important to have a game plan. In this issue of June 2010 INVEST magazine, Wilfred Ling explores the various considerations for individuals with special needs. The article can be downloaded from this link:
HERE
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Monday, 10 May 2010 |
Professionals such as doctors, accountants, dentists and businessmen often face the risk of bankruptcy. This could either be due to negligent or simply due to the part and parcel of business risk. With a comprehensive approach to financial planning, it is possible to mitigate the financial devastation of such risk. What are the tools used for asset protection and how to use them? You'll be surprised how simple some of these tools are. In this issue of INVEST magazine for April 2010, Wilfred Ling writes an article on this topic.
You can read about it by clicking HERE. |
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Monday, 22 March 2010 |
In this latest article for INVEST magazine, I wrote about two real cases of clients who wrote nonsensical Wills. Although their Wills were valid but the contents were peppered with problems which the clients did not realized. Many people treat estate planning too lightly. Majority do not even care about it. Those who do bother got a raw deal by not considering many practical issues.
You can read about it by clicking HERE.
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Tuesday, 23 February 2010 |
It was just not too long ago when many consumers were wondering whether their insurers will be collapsing. The days of long queue of people wanting to surrender their insurance policies were like just yesterday. In February 2010 issue of the INVEST magazine, Wilfred Ling was interviewed on his opinion on the situation now. He also provide his comments on MAS' latest proposal on the Policy Owners' Protection Fund (PPF). The PDF softcopy of the cover article is available HERE. |
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Saturday, 26 December 2009 |
Everybody looks at the price movements of their investments. Some have the bad habit of doing so everyday while others only look at it once in a while. There is another part of investment that is unseen which have a far greater impact on the total return. In this article written for INVEST magazine Dec 2009 issue, Wilfred Ling examines the sources of profit in equity investments and why many investors are not benefiting from these. The full article can be downloaded HERE
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Tuesday, 17 November 2009 |
Many people do not differentiate between value and price. Price is what you pay and value is what you get. For financial services, one must determine the value of an advice otherwise any price you pay (whether in fees or commissions) will be exorbitant. From my experience, most Singaporeans do not understand this and as a result make two serious mistakes: either (1) Paying for worthless advice through gigantic commissions or (2) penalizing professional financial services by not paying for it despite their capability of creating high value. Consistently rewarding worthless financial advice and penalizing valued advice only degenerate the industry further. From empirical observation, majority of Singaporeans have never experience valued advice but only worthless one. I wrote this article - which first appeared in INVEST Oct/Nov 2009 issue – that examines the difference between value and price. You can download this article HERE
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Thursday, 08 October 2009 |
A professional financial planner/adviser has 4 qualities namely:
(1) One who possesses specialized knowledge not generally understood by the public;
(2) one who has qualification which acts as a threshold entrance requirement;
(3) one who has a sense of altruism; and
(4) one who subscribes to code of ethics.
What are these qualities and why most financial advisers and planners not able to fulfill these qualities? Read the full article written by Wilfred Ling publish by INVEST magazine HERE.
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Friday, 04 September 2009 |
 | Wilfred Ling examines the ETFs listed on the SGX and provides an overview of their advantages and disadvantages compared with unit trusts. This article was first published by iFAST INSIGHT magazine on 1 Aug 2009. The article can be downloaded HERE. |
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Wednesday, 01 July 2009 |
| Do not take for granted that your licensed and "independent" adviser will always look after your interest. Ask your adviser to provide a comprehensive service other than those defined by regulation. Read the article HERE on what Wilfred Ling has to say about the subject matter. | |
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Tuesday, 23 June 2009 |
Marriage is a huge undertaking. It might be prudent to know your financial commitments and responsibilities ahead of time. Read what Wilfred Ling has to say about this subject. The article can be downloaded HERE.
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Wednesday, 11 March 2009 |
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Upon graduation and finding a job, the first thing a new graduate would like to spent is their first paycheck. However, is this the right way to do? We advocate that the young person starts making a financial plan. For young graduate, financial planning need not be complicated. In fact, it is quite simple. In this issue of INVEST FEB/MARCH 2009 edition, Wilfred Ling tells us how young graduates can make simple but effective financial plan for themselves. The full article can be downloaded HERE.
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Wednesday, 07 January 2009 |
How is money created and why the manner it was created is causing havoc in the marketplace? What are the things we can learn in this financial crisis? Moreover, how does one build a better portfolio in view of the current economic climate? For December 2008 issue of the INVEST, WIlfred Ling appears in two articles. Learning From Crisis and a interview with INVEST on Build a Better Portfolio. |
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Monday, 11 August 2008 |
The first collective investment scheme for Life Settement was introduced in Singapore early this year for accredited investors. The fund attracted attentions from financial advisers and investors. Many financial advisers were wary of this fund because the risks involved are unfamiliar. Wilfred Ling investigated and did research into the fund and identify what kind of risks investors should expect. Like all investment, there must be risk in order to have potential return. The question is: Are these risks worth taking? Wilfred's research was published by INVEST's August 2008 and can be downloaded HERE |
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