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Written by Wilfred Ling
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Tuesday, 19 February 2008 |
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I was asked by a few people what will be the impact of the removal of estate duty. I haven't put much thought to it. Currently the only thing in my mind is: |
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Written by Wilfred Ling
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Monday, 18 February 2008 |
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I understand that capital protected products or structured deposits are now selling hot. People are staying away from traditional long-only equity products like unit trusts. To me history is repeating itself. In years 2000-2002 when this happens, many people put a lot money into structured deposits with long lock-in period. When the product matures, they found that their returns cannot even beat inflation. This means net of inflation they suffer a lost. At the same time traditional long-only equity products shot up like nobody business. Thus they suffer double whammy - lost of money due to inflation and opportunity cost due to not invested in equity markets. It is human to buy capital protected product when times are bad but the irony is that this is the wrong behavior. I have advised many of new investors to do a RSP. The RSP can be a percentage of their regular salary or RSP based on a capital which they otherwise would have invested lump sum. However, many feared of investing even for RSP. Many of course prefer capital protected products. I want to put it in this blog entry so that when it come to past people will not say my advise was based on hingsight. |
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Written by Wilfred Ling
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Saturday, 16 February 2008 |
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Someone asked me which is better – foreign currency fixed deposits or dual currency? What is dual currency? In the example below is a real dual currency product with the example figures taken from its marketing materials: |
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Written by Wilfred Ling
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Saturday, 16 February 2008 |
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There will be greater disclosure of the Particpating Life Fund when client purchase participating policy like whole life and endowment. One insurer has already started to have place these greater disclosure in their benefit illustration. I read the disclosure - goodness their participating life fund has an expense ratio of only 0.03% for year 2007! The gross ROI for year 2007 is 12.25% despite having an asset allocation of 34.5%/49.7%/15.8% of equities/fixed income/others! This is amazing! Can I invest directly in their life fund as plain vanila unit trust (but I don't want the insurance)? As more and more companies disclosure their life fund vital statistics, I think everybody is going to have a fun time reading benefit illustrations! |
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Written by Wilfred Ling
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Friday, 15 February 2008 |
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All aged 50 and below will enter the CPF Life scheme because it is compulsory. The examples given was that at $67,000 cash from RA, that will yield roughly $600 monthly income from age 65. Exact amount depends on ROI and gender. |
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Written by Wilfred Ling
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Friday, 15 February 2008 |
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I found this statistic very troubling: |
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Written by Wilfred Ling
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Friday, 15 February 2008 |
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The flexibility of allowing 12 options (specifying the deferred period) in the CPF Life annuity scheme seemingly provides choices for CPF Members. However, this opens up an anti-selection. |
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Written by Wilfred Ling
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Friday, 15 February 2008 |
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The recent annoucements of the national annuity is good for Singaporeans. It is good because |
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Written by Wilfred Ling
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Wednesday, 13 February 2008 |
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I got a call from someone who said emailed to me 1 week ago. However I did not receive the email. This despite checking my spam box - nothing was there. This is not the first time as I have received similar feedback. Not sure how many emails I have lost in this manner. |
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Written by Wilfred Ling
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Monday, 11 February 2008 |
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Hi Wilfred, What regular saving plan you recommend? i have around $XXk that i would need to gain more returns instead of putting it in the bank. The money is now currently in ABC bank account which they have just adjusted the interest in Feb 08 from 1.68% to 1.08%... I would need to invest in short term period as i would be using this money around end of this year. For your advice, please. Thanks
Regards, XYZ Hi XYZ,
I suggest just put your S$XXK in ABC bank and leave it there until end of the year to use it. For such short while, you cannot take any risk. As for Regular Saving Plan, you can consider using part of your income to invest in diversified unit trusts.
Wilfred |
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