<figure><a href="https://cdn.bloghunch.com/uploads/6hGCFcC7VzHGeGKx.webp"><img src="https://cdn.bloghunch.com/uploads/6hGCFcC7VzHGeGKx.webp" mediatype="img" alt="world ageing festival 2024" width="800" height="601.6666666666666" dataalign="left" caption="" link="" class=""></a></figure>The audience was incredible during our presentation on ‘Planning for tomorrow and securing your golden years’ at the Active Ageing Festival!A heartfelt thank you to everyone who attended. Your enthusiasm made it truly special.As we navigate the journey towards retirement, let’s continue to prioritize smart financial planning and empower ourselves for the future. Remember, it’s never too late to take control of our finances and shape our golden years with confidence. But you don’t have to go it alone! Our professional team of Financial Consultants at <a class="x1i10hfl xjbqb8w x1ejq31n xd10rxx x1sy0etr x17r0tee x972fbf xcfux6l x1qhh985 xm0m39n x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz x1sur9pj xkrqix3 x1fey0fg xo1l8bm" href="https://www.facebook.com/hashtag/singcapital?__eep__=6&amp;__cft__[0]=AZVKNlyD5v5MTaHkr_P6HDBKhO0nX9gOnZfgPdsI19fSu6kzbws6AD9TrcQ7ZDZdbVTkEVIGIr0WisqWJAVx9L6iXtmU3rmmPUIXDO4flnAMBz9jWVVp0AcgUXfb3KXt8dkT8TNR0eqD-KFJH3vuqklx9vlsGjNYBzUi50sgFh9CezWtfnjck3mYVxPRkl0tLnQ&amp;__tn__=*NK-R" style="color: var(--blue-link); cursor: pointer; text-decoration: none; outline: none; list-style: none; margin: 0px; text-align: inherit; border-style: none; padding: 0px; border-width: 0px; box-sizing: border-box; background-color: transparent; font-weight: 400; display: inline-block; -webkit-tap-highlight-color: transparent; touch-action: manipulation; font-family: inherit;">#SingCapital</a> is ready to be of service.Whether you need personalized advice, investment strategies, or retirement planning, we are here to support you every step of the way.Missed the presentation? Don’t worry! Feel free to reach out if you have any questions or would like to delve deeper into the topics covered. Let’s continue this conversation and support each other on our financial journeys.

The audience was incredible during our presentation on ‘Planning for tomorrow and securing your golden years’ at the Active Ageing Festival!

A heartfelt thank you to everyone who attended. Your enthusiasm made it truly special.

As we navigate the journey towards retirement, let’s continue to prioritize smart financial planning and empower ourselves for the future. Remember, it’s never too late to take control of our finances and shape our golden years with confidence. But you don’t have to go it alone! Our professional team of Financial Consultants at #SingCapital is ready to be of service.

Whether you need personalized advice, investment strategies, or retirement planning, we are here to support you every step of the way.

Missed the presentation? Don’t worry! Feel free to reach out if you have any questions or would like to delve deeper into the topics covered. Let’s continue this conversation and support each other on our financial journeys.

World Ageing Festival Official Exhibition 2024

<figure><a href="https://cdn.bloghunch.com/uploads/SAgk74AFiqMroA1a.webp"><img src="https://cdn.bloghunch.com/uploads/SAgk74AFiqMroA1a.webp" mediatype="img" alt="treeplanting" width="800" height="600" dataalign="left" caption="" link="" class=""></a></figure>On 20th March 2024, we took part in a meaningful corporate social responsibility activity by participating in a tree planting event.We had a fantastic time planting trees at the Old Upper Thomson Road. Special thanks to the NPark officers for their friendly guidance and assistance throughout the day!Together, we are making a difference and contributing to a greener future!

On 20th March 2024, we took part in a meaningful corporate social responsibility activity by participating in a tree planting event.

We had a fantastic time planting trees at the Old Upper Thomson Road. Special thanks to the NPark officers for their friendly guidance and assistance throughout the day!

Together, we are making a difference and contributing to a greener future!



Tree Planting | SingCapital

Tree Planting

𝗦𝗶𝗻𝗴𝗖𝗮𝗽𝗶𝘁𝗮𝗹 𝗚𝗼𝗲𝘀 𝗚𝗿𝗲𝗲𝗻

<div class="iframe-wrapper"><iframe src="https://www.youtube.com/embed/ugUqQgNbeJc?feature=oembed" width="640" height="360" frameborder="0" allowfullscreen="true"></iframe></div>We are thankful to all who attended the seminar titled "Structuring Your Property Portfolio" that took place on Saturday, April 20, 2024. The seminar covered the essential topics relevant to property ownership and management, including:<ul><li>* What are the different types of trust and the advantages?</li><li>* What are the tax and financing considerations?</li><li>* How to set up a trust?</li><li>* How to set up a will?</li></ul>This seminar aims to provide valuable insights and practical knowledge for property investors and individuals interested in optimizing their property portfolios. Thank you for joining us to learn how to effectively structure your investments and navigate important legal and financial considerations.<h3>Date: April 20, 2024 (Saturday)</h3><h3>Time: 11am</h3><h3>Venue: Pinetree hill showflat</h3>

We are thankful to all who attended the seminar titled "Structuring Your Property Portfolio" that took place on Saturday, April 20, 2024. The seminar covered the essential topics relevant to property ownership and management, including:

* What are the different types of trust and the advantages?

* What are the tax and financing considerations?

* How to set up a trust?

* How to set up a will?

This seminar aims to provide valuable insights and practical knowledge for property investors and individuals interested in optimizing their property portfolios. Thank you for joining us to learn how to effectively structure your investments and navigate important legal and financial considerations.

Date: April 20, 2024 (Saturday)

Time: 11am

Venue: Pinetree hill showflat



Structuring Your Property Portfolio

Structuring your Property Portfolio

We are excited to extend an invitation for an exclusive training course titled "Avoid the Common Legal Pitfalls Faced by Agents," featuring Mr. Alfred Chia, CEO of SingCapital, as the esteemed trainer.<ul><li>Date: April 16,2024 (Tuesday)</li><li>Time: 10:00am-12:00pm</li><li>Location: Huttons Level 5 learning hub</li></ul><h2>Key Topics Covered:</h2><ul><li>&gt; Know the important due diligence checks to be conducted on your clients</li><li>&gt; Understand the CEA disciplinary and civil proceedings that will impact your business.</li></ul>This training course is designed to equip professionals with essential knowledge to navigate legal challenges effectively.Mr. Alfred Chia, a respected industry expert and excellent trainer will bring expertise to this session, ensuring practical insights and valuable takeaways.

We are excited to extend an invitation for an exclusive training course titled "Avoid the Common Legal Pitfalls Faced by Agents," featuring Mr. Alfred Chia, CEO of SingCapital, as the esteemed trainer.

Date: April 16,2024 (Tuesday)

Time: 10:00am-12:00pm

Location: Huttons Level 5 learning hub

Key Topics Covered:

> Know the important due diligence checks to be conducted on your clients

> Understand the CEA disciplinary and civil proceedings that will impact your business.

This training course is designed to equip professionals with essential knowledge to navigate legal challenges effectively.

Mr. Alfred Chia, a respected industry expert and excellent trainer will bring expertise to this session, ensuring practical insights and valuable takeaways.



Avoid the Common Legal Pitfalls Faced by Agents

AVOID THE COMMON LEGAL PITFALLS FACED BY AGENTS

<h2>Listen to the experts to answer for you!</h2><h2>And</h2>Join Mr. Alfred Chia CEO of SingCapital as he delves into the recent policy changes regarding CPF Special Account closure and their impacts on retirement planning in Chinese. <h3>Don't miss out on this insightful discussion!</h3><h3>Date : Tuesday 12 March 2024</h3><h3>Time : 7pm registration starts at 7.30pm</h3><h3>Venue : New Zhizhi Cultural Education Book Clubhouse 540 Sims Ave Centre #02-05</h3><h3>Sims Ave Singapore 387603</h3><h3>Registration: whatsapp to 91323283</h3><h3>Fee: Free for members, $5 for non-members (including refreshments)</h3><figure><a href="https://cdn.bloghunch.com/uploads/EDKeSfJyaQRevjyq.webp"><img src="https://cdn.bloghunch.com/uploads/EDKeSfJyaQRevjyq.webp" mediatype="img" alt="cpf" width="960" height="1357.741935483871" dataalign="left" caption="" link="" class=""></a></figure><figure><a href="https://cdn.bloghunch.com/uploads/8cO4P6iTBEGdyOyY.webp"><img src="https://cdn.bloghunch.com/uploads/8cO4P6iTBEGdyOyY.webp" mediatype="img" alt="cpf" width="800" height="576.5625" dataalign="left" caption="" link="" class=""></a></figure><h3></h3><figure><a href="https://cdn.bloghunch.com/uploads/uZAtyvKL1fbjuxwj.webp"><img src="https://cdn.bloghunch.com/uploads/uZAtyvKL1fbjuxwj.webp" mediatype="img" alt="cpf" width="608" height="1305" dataalign="left" caption="" link="" class=""></a></figure>

Listen to the experts to answer for you!

And

Join Mr. Alfred Chia CEO of SingCapital as he delves into the recent policy changes regarding CPF Special Account closure and their impacts on retirement planning in Chinese. 

Don't miss out on this insightful discussion!

Date : Tuesday 12 March 2024

Time : 7pm registration starts at 7.30pm

Venue : New Zhizhi Cultural Education Book Clubhouse 540 Sims Ave Centre #02-05

Sims Ave Singapore 387603

Registration: whatsapp to 91323283

Fee: Free for members, $5 for non-members (including refreshments)



Questions about provident fund?

<div class="iframe-wrapper"><iframe src="https://www.youtube.com/embed/8jf8c6Uk_kw?feature=oembed" width="640" height="360" frameborder="0" allowfullscreen="true"></iframe></div><h2>Unveiling the Evolution of Financial Advisory in Singapore</h2>Discover the untold narrative of the financial advisory landscape in Singapore at our exclusive book launch event - a story that resonates deeply as we embark on a new year of possibilities and personal aspirations.Authored by Alfred Chia, alongside Mr. Mohd Amin and Mr. Raymond Ng, this book, 'Story of the Financial Advisory Industry in Singapore,' encapsulates the essence of a career that might just be your calling.We will also be inviting Ronald Wong to join us in the panel discussion.Join us as we delve into the past, present, and future of this industry, featuring insights from veterans who blazed the trail, reflections on the current landscape, and forecasts from the perspective of emerging professionals.<h3>Date: 19th January 2024</h3><h3>Time: 2pm to 5pm</h3><h3>Location: Level 16, National Library Building, 100 Victoria St, Singapore 188064</h3><h2>Scan the QR code to Register</h2><figure><a href="https://cdn.bloghunch.com/uploads/7FNDzFb2bU6GIVja.webp"><img src="https://cdn.bloghunch.com/uploads/7FNDzFb2bU6GIVja.webp" mediatype="img" alt="singapore-financial-advisory-story-qr-code" width="800" height="642.9687500000001" dataalign="left" caption="" link="" class=""></a></figure><h2>For those interested in purchasing the book, please click on the link&nbsp;below.</h2>

Unveiling the Evolution of Financial Advisory in Singapore

Discover the untold narrative of the financial advisory landscape in Singapore at our exclusive book launch event - a story that resonates deeply as we embark on a new year of possibilities and personal aspirations.

Authored by Alfred Chia, alongside Mr. Mohd Amin and Mr. Raymond Ng, this book, 'Story of the Financial Advisory Industry in Singapore,' encapsulates the essence of a career that might just be your calling.

We will also be inviting Ronald Wong to join us in the panel discussion.

Join us as we delve into the past, present, and future of this industry, featuring insights from veterans who blazed the trail, reflections on the current landscape, and forecasts from the perspective of emerging professionals.

Date: 19th January 2024

Time: 2pm to 5pm

Location: Level 16, National Library Building, 100 Victoria St, Singapore 188064

Scan the QR code to Register

For those interested in purchasing the book, please click on the link below.



Launch of the Singapore Financial Advisory Story

<figure><a href="https://cdn.bloghunch.com/uploads/CipQqIUNROFj4o4K.webp"><img src="https://cdn.bloghunch.com/uploads/CipQqIUNROFj4o4K.webp" mediatype="img" alt="Avoid the common legal pitfalls faced by Agents" width="800" height="600" dataalign="left" caption="" link="" class=""></a></figure>A great turn out and the amazing audience had been engaging attentively with regards to:<ul><li>- Know the important due diligence checks to be conducted on your clients</li><li>- Understand the CEA disciplinary and civil proceeding that will impact your business</li></ul>We are happy to share our expertise &amp; experiences.<h2>If you are reading this and keen to engage us for training, sharing or seminar, please contact us via:</h2><a href="mailto:Marketing@singcapital.com.sg">Marketing@singcapital.com.sg</a>

A great turn out and the amazing audience had been engaging attentively with regards to:

- Know the important due diligence checks to be conducted on your clients

- Understand the CEA disciplinary and civil proceeding that will impact your business

We are happy to share our expertise & experiences.

If you are reading this and keen to engage us for training, sharing or seminar, please contact us via:

Marketing@singcapital.com.sg

Avoid the common legal pitfalls faced by Agents

<h2>PRODUCTIVE. COLLABORATIVE. INNOVATIVE</h2><div class="iframe-wrapper"><iframe src="https://www.youtube.com/embed/OK4KB7lyHlQ?feature=oembed" width="640" height="360" frameborder="0" allowfullscreen="true"></iframe></div>Dear all,We are thrilled to announce our Kick-Off Event happening on 8th Jan 2024, and we want YOU to be a part of the excitement!<h3>🚀 Embark on a New Journey: Our Kick-Off Event is Here!</h3>Join us for an inspiring kick-off event that marks the beginning of a remarkable journey toward success and excellence. This event is not just a starting point; it is a celebration of collaboration, innovation, and the potential to achieve greatness together.<h2>🎉 What to Expect:</h2>Engaging Activities: Team-building exercises and fun-filled activities to boost morale and foster a sense of camaraderie.Insights from the Best: Learn from top advisors and experts who will share their insights and strategies for success.A Vision for Excellence: Discover our vision for the future and how each one of you plays a crucial role in building a bright future in insurance excellence.Inspiring Guest Speakers: Be motivated and inspired by our guest speaker Mr Ismail Gafoor who bring a wealth of experience and wisdom to the table.<h3>📅 Event Details:</h3>Date: 8th Jan 2024Time: 9AM – 5 PM<h3>Lunch Is Provided</h3>Location: NUSS Guild House @ Suntec, 3 Temasek Blvd, Tower 5, #02-401/402 Suntec City Mall, Singapore 038983<h3>CDP Hours: 4 hours</h3>Do not miss out on this opportunity to connect, learn, and set the stage for a successful journey ahead. Your presence will make a significant difference!<h3>Let's kick off this journey together and make it a memorable start.</h3>

PRODUCTIVE. COLLABORATIVE. INNOVATIVE

Dear all,

We are thrilled to announce our Kick-Off Event happening on 8th Jan 2024, and we want YOU to be a part of the excitement!

🚀 Embark on a New Journey: Our Kick-Off Event is Here!

Join us for an inspiring kick-off event that marks the beginning of a remarkable journey toward success and excellence. This event is not just a starting point; it is a celebration of collaboration, innovation, and the potential to achieve greatness together.

🎉 What to Expect:

Engaging Activities: Team-building exercises and fun-filled activities to boost morale and foster a sense of camaraderie.

Insights from the Best: Learn from top advisors and experts who will share their insights and strategies for success.

A Vision for Excellence: Discover our vision for the future and how each one of you plays a crucial role in building a bright future in insurance excellence.

Inspiring Guest Speakers: Be motivated and inspired by our guest speaker Mr Ismail Gafoor who bring a wealth of experience and wisdom to the table.

📅 Event Details:

Date: 8th Jan 2024

Time: 9AM – 5 PM

Lunch Is Provided

Location: NUSS Guild House @ Suntec, 3 Temasek Blvd, Tower 5, #02-401/402 Suntec City Mall, Singapore 038983

CDP Hours: 4 hours

Do not miss out on this opportunity to connect, learn, and set the stage for a successful journey ahead. Your presence will make a significant difference!

Let's kick off this journey together and make it a memorable start.

Come be a part of an engaging experience featuring team-building activities, enjoyable moments, valuable insights from top advisors, and an inspiring session with guest speakers.

SingCapital Kick-OFF 2024

SINGCAPITAL KICK-OFF 2024

<div class="iframe-wrapper"><iframe src="https://www.youtube.com/embed/fsnOGOm48tM?feature=oembed" width="640" height="360" frameborder="0" allowfullscreen="true"></iframe></div><h3>Safeguarding Your Real Estate Business through Risk Mitigation</h3>2 PROFESSIONAL CPD CREDITS<ul><li>• MOU Signing between SEAA &amp; The Law Society of Singapore, SEAA &amp; Estate Agencies (selected)</li><li>• "Pledge of the Commitment in the Fight Against Scams" a Collaboration between Singapore Police Force (SPF), National Crime Prevention Council (NCPC), CEA and SEAA</li><li>• Scams and the Property IndustryMs Michelle Foo, Head, Anti-Scam Investigation Branch, SPF</li><li>• Guarding your Real Estate Business through Professional Indemnity InsuranceMr Alfred Chia, CEO, SingCapital</li><li>• Anti-Money Laundering (AML) and Property Transactions - What Real Estate Salespersons Need to Know?Ms Sharon Lin, Partner (Litigation and Arbitration), Withers KhattarWong LLP</li><li>• Panel Discussion: Safeguarding Your Real Estate Business through Risk Mitigation</li></ul>REGISTER NOW<h3>1:30-5:00PM 14 NOV</h3><h3>TUESDAY</h3><h3>$45 WITH REFRESHMENTS</h3>Lifelong Learning Institute Lecture Theatre (Lvl 2) 11 Eunos Rd 8 S408601<h3>Scan to Register</h3><a href="https://tinyurl.com/KEOConf23">https://tinyurl.com/KEOConf23</a>

Safeguarding Your Real Estate Business through Risk Mitigation

2 PROFESSIONAL CPD CREDITS

• MOU Signing between SEAA & The Law Society of Singapore, SEAA & Estate Agencies (selected)

• "Pledge of the Commitment in the Fight Against Scams" a Collaboration between Singapore Police Force (SPF), National Crime Prevention Council (NCPC), CEA and SEAA

• Scams and the Property Industry

Ms Michelle Foo, Head, Anti-Scam Investigation Branch, SPF

• Guarding your Real Estate Business through Professional Indemnity Insurance

Mr Alfred Chia, CEO, SingCapital

• Anti-Money Laundering (AML) and Property Transactions - What Real Estate Salespersons Need to Know?

Ms Sharon Lin, Partner (Litigation and Arbitration), Withers KhattarWong LLP

• Panel Discussion: Safeguarding Your Real Estate Business through Risk Mitigation

REGISTER NOW

1:30-5:00PM 14 NOV

TUESDAY

$45 WITH REFRESHMENTS

Lifelong Learning Institute Lecture Theatre (Lvl 2) 11 Eunos Rd 8 S408601

Scan to Register

https://tinyurl.com/KEOConf23

Singapore KEOS and Leaders Conference 2023

SEAA Singapore KEOS and Leaders Conference 2023

<div class="iframe-wrapper"><iframe src="https://www.youtube.com/embed/QFp-hgyt3O0?feature=oembed" width="640" height="360" frameborder="0" allowfullscreen="[object Object]"></iframe></div>A good retirement plan isn’t just about finances. Planning for your retirement has many important aspects beyond financial planning: from taking care of your family, staying healthy, to giving back to others.Together with MoneySense, we have put together a line-up of talks and activity booths to cover all these and more –Join us and re-imagine all the possibilities for your future! Here’s a preview of what’s happening;<figure><a href="https://cdn.bloghunch.com/uploads/er080qGUtRPcpche.webp"><img src="https://cdn.bloghunch.com/uploads/er080qGUtRPcpche.webp" mediatype="img" alt="ready-for-life-festival-2023" width="797" height="219.175" dataalign="left" caption="" link="" class="image-left"></a></figure>Opening forum:Hear from our panel of distinguished speakers as they share personal stories and valuable tips on how to pursue your passions, find purpose, and make the most of your time and finances.Small actions, big impact: discovering purpose through volunteerism:How do you be the change you want to see? Find out how with our partners from Repair Kopitiam on living a more sustainable life and be inspired by the changemakers behind Citizen Adventure and SmilesSalamSG as they share how they have found purpose through volunteering.Self-awareness, the key to effective career planning:In today’s evolving job market, taking charge of your career growth cannot be overstated. Learn how to tap on the transformative power of self-awareness in crafting a purposeful career plan.Travelling with family without breaking the bank:Join The Travel Intern in exploring the joys of travelling with family and learn tips to maximise your holidays while&nbsp;saving&nbsp;money.CPF Board and MoneySense are jointly organising the "Ready for Life" Festival 2023.Date: 7 October 2023 (Saturday), 10 am to 6 pmVenue: Marina Bay Sands, Sands Expo &amp; Convention CentreGuest-of-honour: Mr Ong Ye Kung, Minister for HealthAn exciting line-up of financial and wellness talks, as well as activity booths, has been prepared for all participants to help them discover their passions and re-imagine retirement as an active and vibrant phase of life.Limited slots are available, so register for free at<a href="https://www.gevme.com/90700119/registration/order/form">https://www.gevme.com/90700119/registration/order/form</a> now!More details for the event here: <a href="https://www.cpf.gov.sg/member/infohub/ready-for-life">https://www.cpf.gov.sg/member/infohub/ready-for-life</a><h2>Attendees Feedback to the CEO of SingCapital after the Ready for Life Festival event</h2><figure><a href="https://cdn.bloghunch.com/uploads/EVQSbie2NFgS1opq.webp"><img src="https://cdn.bloghunch.com/uploads/EVQSbie2NFgS1opq.webp" mediatype="img" alt="ready-for-life-events-feedback" width="800" height="450" dataalign="left" caption="" link="" class=""></a></figure><blockquote>Yes, the speakers' sound advice which we could relate to, and humor, made this session very fun and informative. Acronyms and advice are easy to remember too. DHL, LESS, don't procrastinate, retire and refire! - Female, 50-59 years old</blockquote><blockquote>Mc was very humorous and speakers were great! - Male, 30-39 years old</blockquote><blockquote>Enlightening &amp; inspiring. New perspectives on purposes in a retirement life - Male, 60 65 years old</blockquote><blockquote>Awesome and engaging chats! It's totally enjoyable and interesting. Thank you speakers! - Female, 40-49 years old</blockquote><h3>With 516 attendees, the session featuring Mr. Alfred Chia was rated 4.7 out of 5 and 98% of respondents would recommend the Festival after attending Mr. Alfred Chia's session!</h3>Thank you for trusting and Inviting SingCapital's CEO Alfred Chia, Your Trusted Financial Advisory Firm!To watch the full event, visit here: <a rel="" href="https://www.youtube.com/playlist?list=PLPQXfbBXFMvymoR300mbPPJpxDfMYpvAC">Ready for Life Festival event</a>

A good retirement plan isn’t just about finances. Planning for your retirement has many important aspects beyond financial planning: from taking care of your family, staying healthy, to giving back to others.

Together with MoneySense, we have put together a line-up of talks and activity booths to cover all these and more –

Join us and re-imagine all the possibilities for your future! Here’s a preview of what’s happening;

Opening forum:

Hear from our panel of distinguished speakers as they share personal stories and valuable tips on how to pursue your passions, find purpose, and make the most of your time and finances.

Small actions, big impact: discovering purpose through volunteerism:

How do you be the change you want to see? Find out how with our partners from Repair Kopitiam on living a more sustainable life and be inspired by the changemakers behind Citizen Adventure and SmilesSalamSG as they share how they have found purpose through volunteering.

Self-awareness, the key to effective career planning:

In today’s evolving job market, taking charge of your career growth cannot be overstated. Learn how to tap on the transformative power of self-awareness in crafting a purposeful career plan.

Travelling with family without breaking the bank:

Join The Travel Intern in exploring the joys of travelling with family and learn tips to maximise your holidays while saving money.

CPF Board and MoneySense are jointly organising the "Ready for Life" Festival 2023.

Date: 7 October 2023 (Saturday), 10 am to 6 pm

Venue: Marina Bay Sands, Sands Expo & Convention Centre

Guest-of-honour: Mr Ong Ye Kung, Minister for Health

An exciting line-up of financial and wellness talks, as well as activity booths, has been prepared for all participants to help them discover their passions and re-imagine retirement as an active and vibrant phase of life.

Limited slots are available, so register for free at

https://www.gevme.com/90700119/registration/order/form now!

More details for the event here: https://www.cpf.gov.sg/member/infohub/ready-for-life

Attendees Feedback to the CEO of SingCapital after the Ready for Life Festival event

Yes, the speakers' sound advice which we could relate to, and humor, made this session very fun and informative. Acronyms and advice are easy to remember too. DHL, LESS, don't procrastinate, retire and refire! - Female, 50-59 years old

Mc was very humorous and speakers were great! - Male, 30-39 years old

Enlightening & inspiring. New perspectives on purposes in a retirement life - Male, 60 65 years old

Awesome and engaging chats! It's totally enjoyable and interesting. Thank you speakers! - Female, 40-49 years old

With 516 attendees, the session featuring Mr. Alfred Chia was rated 4.7 out of 5 and 98% of respondents would recommend the Festival after attending Mr. Alfred Chia's session!

Thank you for trusting and Inviting SingCapital's CEO Alfred Chia, Your Trusted Financial Advisory Firm!

To watch the full event, visit here: Ready for Life Festival event



Ready For Life Festival 2023 | SingCapital 

SingCapital CEO Alfred Chia invited as panelist in "Ready for Life" Festival 2023

<div class="iframe-wrapper"><iframe src="https://www.youtube.com/embed/FXf3DaKgQHM?feature=oembed" width="640" height="360" frameborder="0" allowfullscreen="true"></iframe></div><h2>Beyond Walls and Roofs</h2><h2>Embrace The Joy Of Home Ownership</h2><figure><a href="https://cdn.bloghunch.com/uploads/ziQtM18AGjDEzPeN.webp"><img src="https://cdn.bloghunch.com/uploads/ziQtM18AGjDEzPeN.webp" mediatype="img" alt="alfred-chia-in-home-owners-expo-event" width="800" height="749.0909090909091" dataalign="left" caption="" link="" class=""></a></figure>Are you about to collect the keys to your new condominium? We extend a warm invitation to join us at the Singapore T.O.P Condo XPO, your ultimate portal to a world of home services, products, and professional advice tailored just for you.<h3>Special Offers and Exclusive Deals</h3><figure><a href="https://cdn.bloghunch.com/uploads/QyMC87oYAOFqjUWN.webp"><img src="https://cdn.bloghunch.com/uploads/QyMC87oYAOFqjUWN.webp" mediatype="img" alt="home-owners-expo-event" width="800" height="504" dataalign="left" caption="" link="" class=""></a></figure>Exclusive Deals at Singapore T.O.P Condo XPO! Save on furniture, appliances, and home services exclusively for new condo owners. Maximize savings and make your transition into your new home delightful.<h3>Engage with the Experts</h3><figure><a href="https://cdn.bloghunch.com/uploads/qVkrljkrs39jLEuV.webp"><img src="https://cdn.bloghunch.com/uploads/qVkrljkrs39jLEuV.webp" mediatype="img" alt="expo-event" width="800" height="504" dataalign="left" caption="" link="" class=""></a></figure>Learn and make informed decisions about home renovation, energy efficiency, and more. Join us to celebrate this milestone and begin your new life at your dream home. Mark your calendar and register now!<h3>Home Solutions</h3><figure><a href="https://cdn.bloghunch.com/uploads/7zBMTJwd4wyj6lPr.webp"><img src="https://cdn.bloghunch.com/uploads/7zBMTJwd4wyj6lPr.webp" mediatype="img" alt="alfred-chia-in-home-owners-expo-event" width="800" height="504" dataalign="left" caption="" link="" class=""></a></figure>Unveil a broad spectrum of home solutions all under one roof: interior design, furnishings, home appliances, smart home technologies, cleaning services, security systems, and so much more.<figure><a href="https://cdn.bloghunch.com/uploads/38EladSC0nvw8oU2.webp"><img src="https://cdn.bloghunch.com/uploads/38EladSC0nvw8oU2.webp" mediatype="img" alt="event-itinerary" width="800" height="800" dataalign="center" caption="" link="" class="image-center"></a></figure><h2>To Register the Singapore T.O.P Condo XPO please visit: <a target="_blank" rel="" href="https://www.propnex.com/new-homeowners-xpo">Propnex.com</a></h2>

Beyond Walls and Roofs

Embrace The Joy Of Home Ownership

Are you about to collect the keys to your new condominium? We extend a warm invitation to join us at the Singapore T.O.P Condo XPO, your ultimate portal to a world of home services, products, and professional advice tailored just for you.

Special Offers and Exclusive Deals

Exclusive Deals at Singapore T.O.P Condo XPO! Save on furniture, appliances, and home services exclusively for new condo owners. Maximize savings and make your transition into your new home delightful.

Engage with the Experts

Learn and make informed decisions about home renovation, energy efficiency, and more. Join us to celebrate this milestone and begin your new life at your dream home. Mark your calendar and register now!

Home Solutions

Unveil a broad spectrum of home solutions all under one roof: interior design, furnishings, home appliances, smart home technologies, cleaning services, security systems, and so much more.

To Register the Singapore T.O.P Condo XPO please visit: Propnex.com

Register and join us at the Singapore New Homeowners XPO. Be part of this exclusive event aimed at guiding you in beginning your new life at your new home. 

Singapore New Homeowners XPO 2023

Register and join us at the Singapore New Homeowners XPO. Be part of this exclusive event aimed at guiding you in beginning your new life at your new home.

Singapore New HomeOwners XPO 
August 12, 2023

<h2>Event Description</h2>Guest Training: Impact of rising interest rates and exchange rates for property ownersDate: 25-Jul-2023Time: 3.00pm - 4.00pmRegister now: <a href="https://bit.ly/3XQv7R3">https://bit.ly/3XQv7R3</a><h3>Contact Details</h3>Website: <a href="https://bit.ly/3XQv7R3">https://bit.ly/3XQv7R3</a>Email: <a href="mailto:support@theedgeproperty.com.sg">support@theedgeproperty.com.sg</a>Telephone: 69707793A training link will be provided upon successful registration. Please check the confirmation email.Source: <a rel="" href="https://www.edgeprop.sg/property-events/ep-guest-training-impact-rising-interest-rates-and-exchange-rates-property-owners">Edgeprop.sg</a>

Event Description

Guest Training: Impact of rising interest rates and exchange rates for property owners

Date: 25-Jul-2023

Time: 3.00pm - 4.00pm

Register now: https://bit.ly/3XQv7R3

Contact Details

Website:
https://bit.ly/3XQv7R3

Email:
support@theedgeproperty.com.sg

Telephone:
69707793

A training link will be provided upon successful registration. Please check the confirmation email.

Source: Edgeprop.sg

EP Guest Training: Impact of rising interest rates and exchange rates for property owners

<h2>Purpose of the event</h2>Elevate Your Professional Growth. Develop new strategies and insights into single family office and business cyber-security with industry experts! Join us for a unique event designed to help you propel your real estate career forward and be better prepared to serve your client's needs.Register now to elevate your professional development - [Real Estate Leaders Forum: Cyber-Security &amp; Single Family Office Edition].Jointly Organised By SEAA &amp; SingCapital.WHEN: August 23,2023 - 2:00-5:00pmVENUE: Event Hall @ Lifelong Learning Institute, 11 Eunos Rd 8, Singapore 408601Speaker: Alfred Chia, CEO of SingCapital and Mr. Sebastian Phua, Regional Underwriting ManagerFEE for SEAA Member/ SingCapital Client: $20FEE for non-member: $40

Purpose of the event

Elevate Your Professional Growth. Develop new strategies and insights into single family office and business cyber-security with industry experts! Join us for a unique event designed to help you propel your real estate career forward and be better prepared to serve your client's needs.

Register now to elevate your professional development - [Real Estate Leaders Forum: Cyber-Security & Single Family Office Edition].

Jointly Organised By SEAA & SingCapital.

WHEN: August 23,2023 - 2:00-5:00pm

VENUE: Event Hall @ Lifelong Learning Institute, 11 Eunos Rd 8, Singapore 408601

Speaker: Alfred Chia, CEO of SingCapital and Mr. Sebastian Phua, Regional Underwriting Manager

FEE for SEAA Member/ SingCapital Client: $20

FEE for non-member: $40



Real Estate Industry Leaders Forum

2023 Real Estate Industry Leaders Forum

<figure><a href="https://cdn.bloghunch.com/uploads/24Bx6w1xK2H4ok16.webp"><img src="https://cdn.bloghunch.com/uploads/24Bx6w1xK2H4ok16.webp" mediatype="img" alt="Edutrip-to-surabaya" width="800" height="800" dataalign="center" caption="" link="" class="image-center"></a></figure><h2>EduTrip to Surabaya 2023</h2><h3>Broaden your estate planning expertise, grow your network in Indonesia!</h3><h3>Purpose of the event:</h3><ol><li>Understand the Indonesian market</li><li>Understand Indonesian taxes relating to estate planning</li><li>Update to Indonesian inheritance</li><li>Understand wealthy Indonesian families</li><li>Legacy, succession and estate planning for HNWIs and business owners</li><li>Family office</li><li>International estate and succession planning trends and impact with latest regulatory updates</li></ol>When: July 19-21, 2023Venue: Surabaya Indonesia<h3>Speakers:</h3>Mr. Lee Chiwi, Chief Executive Officer,PreceptsGroup International Pte.Ltd, Advocate &amp; Solicitor,ChT,TEPTri Djoko, Santoso,CFP,ChFC,CLU,Chief Executive Officer,LN Conculting global networkingMr. Edwan, Khow,CPA,CFP,AEPP,KAP Juliawati<figure><a href="https://cdn.bloghunch.com/uploads/uo8ROxH2VBzipyVI.webp"><img src="https://cdn.bloghunch.com/uploads/uo8ROxH2VBzipyVI.webp" mediatype="img" alt="Edutrip-to-surabaya-indonesia-speakers" width="800" height="1131.3180169286577" dataalign="center" caption="" link="" class="image-center"></a></figure><h3>Speakers:</h3>Mr. Muhamad Ichsan, ChFC,CFP,MsFin,Chief Executive Officer,FPSB IndonesiaMr. Henra Sensei, CFP,CFP Ambassadors,Licensed NLP Coaching TrainerMs. Rinasari, CFP,Founder of Sadar Financial<figure><a href="https://cdn.bloghunch.com/uploads/VyciaClv9qZejDOw.webp"><img src="https://cdn.bloghunch.com/uploads/VyciaClv9qZejDOw.webp" mediatype="img" alt="Edutrip-to-surabaya-indonesia-speakers" width="800" height="1131.3180169286577" dataalign="center" caption="" link="" class="image-center"></a></figure><h3>Speakers:</h3>Mr. David Koay, Group Chief Executive Officer,British &amp; Malayan Holdings LimitedMr. Ethan Lim, Advisor, Paragon Capital Singapore Private LimitedMr. Alan Wong, Principal Consultant, W3 Consultancy Pte Ltd<figure><a href="https://cdn.bloghunch.com/uploads/o0WLvJsR4okRg22V.webp"><img src="https://cdn.bloghunch.com/uploads/o0WLvJsR4okRg22V.webp" mediatype="img" alt="Edutrip-to-surabaya-indonesia-speakers" width="800" height="1131.3180169286577" dataalign="center" caption="" link="" class="image-center"></a></figure><h3>Speakers:</h3>Mr. Alfred Chia, BSc,CFP,FChFP,SAMP,Affiliate of STEP, IBF Fellow, Chief Executive Officer,SingCapital Pte Ltd<figure><a href="https://cdn.bloghunch.com/uploads/y5SAx3jHbLhN8gJa.webp"><img src="https://cdn.bloghunch.com/uploads/y5SAx3jHbLhN8gJa.webp" mediatype="img" alt="Edutrip-to-surabaya-indonesia-speakers" width="800" height="1131.3180169286577" dataalign="center" caption="" link="" class="image-center"></a></figure><h2>Why Surabaya?</h2><h3>Explore Indonesian historical and Sight Seeing Tours in Surabaya</h3>The city of Surabaya, which serves as the gateway to East Java and is the second largest city after Jakarta.Surabaya is a port city on the Indonesian island of Java. A vibrant, sprawling metropolis, it mixes modern skyscrapers with canals and buildings from its Dutch colonial past.<figure><a href="https://cdn.bloghunch.com/uploads/L3zEPdQ2FQG7tJvD.webp"><img src="https://cdn.bloghunch.com/uploads/L3zEPdQ2FQG7tJvD.webp" mediatype="img" alt="Surabaya" width="800" height="1131.3180169286577" dataalign="center" caption="" link="" class="image-center"></a></figure>

EduTrip to Surabaya 2023

Broaden your estate planning expertise, grow your network in Indonesia!

Purpose of the event:

Understand the Indonesian market

Understand Indonesian taxes relating to estate planning

Update to Indonesian inheritance

Understand wealthy Indonesian families

Legacy, succession and estate planning for HNWIs and business owners

Family office

International estate and succession planning trends and impact with latest regulatory updates

When: July 19-21, 2023

Venue: Surabaya Indonesia

Speakers:

Mr. Lee Chiwi, Chief Executive Officer,PreceptsGroup International Pte.Ltd, Advocate & Solicitor,ChT,TEP

Tri Djoko, Santoso,CFP,ChFC,CLU,Chief Executive Officer,LN Conculting global networking

Mr. Edwan, Khow,CPA,CFP,AEPP,KAP Juliawati

Speakers:

Mr. Muhamad Ichsan, ChFC,CFP,MsFin,Chief Executive Officer,FPSB Indonesia

Mr. Henra Sensei, CFP,CFP Ambassadors,Licensed NLP Coaching Trainer

Ms. Rinasari, CFP,Founder of Sadar Financial

Speakers:

Mr. David Koay, Group Chief Executive Officer,British & Malayan Holdings Limited

Mr. Ethan Lim, Advisor, Paragon Capital Singapore Private Limited

Mr. Alan Wong, Principal Consultant, W3 Consultancy Pte Ltd

Speakers:

Mr. Alfred Chia, BSc,CFP,FChFP,SAMP,Affiliate of STEP, IBF Fellow, Chief Executive Officer,SingCapital Pte Ltd

Why Surabaya?

Explore Indonesian historical and Sight Seeing Tours in Surabaya

The city of Surabaya, which serves as the gateway to East Java and is the second largest city after Jakarta.

Surabaya is a port city on the Indonesian island of Java. A vibrant, sprawling metropolis, it mixes modern skyscrapers with canals and buildings from its Dutch colonial past.



CEO Alfred Chia has been invited to speak at an upcoming overseas event in Indonesia

<figure><a href="https://cdn.bloghunch.com/uploads/ozdVmjyxFhc3vdfM.webp"><img src="https://cdn.bloghunch.com/uploads/ozdVmjyxFhc3vdfM.webp" mediatype="img" alt="family-fun-challenge-monopoly" width="800" height="600" dataalign="left" caption="" link="" class=""></a></figure>When: June 3-4, 2023 - 10am-8pmVenue: Our Tampines Hub, Community Auditorium (level 3) Propnex monopoly booth<figure><a href="https://cdn.bloghunch.com/uploads/74OyEu86mmXANOWw.webp"><img src="https://cdn.bloghunch.com/uploads/74OyEu86mmXANOWw.webp" mediatype="img" alt="family-fun-challenge" width="800" height="600" dataalign="left" caption="" link="" class=""></a></figure>And have the chance to win a $100 participation prize for a family of 4<figure><a href="https://cdn.bloghunch.com/uploads/N8NQKeSplRP2fsHu.webp"><img src="https://cdn.bloghunch.com/uploads/N8NQKeSplRP2fsHu.webp" mediatype="img" alt="monopoly" width="800" height="600" dataalign="left" caption="" link="" class=""></a></figure>Note: This is open to 8 years old and above. Any child under 10 years old to be accompanied by an adult.

When: June 3-4, 2023 - 10am-8pm

Venue: Our Tampines Hub, Community Auditorium (level 3) Propnex monopoly booth

And have the chance to win a $100 participation prize for a family of 4

Note: This is open to 8 years old and above. Any child under 10 years old to be accompanied by an adult.



Family Fun Challenge

<h2>Purpose of the event</h2>Reviews are important because your personal situation might have changed, your lifestyle and financial goals might have been altered. Your insurance needs may evolve or your debts may not be effectively managed. How does upgrading to a private condo affect your financial situations?We see many individuals after attending an investment outlook event freeze to make decisions or make the wrong decision by following advice blindly without considering their own financial situation and goals. It is my intention to help individuals see the importance of holistic financial management as well as highlight key elements on developing their own financial plan.Leading the workshop is Alfred Chia, CEO of SingCapital with more than 25 years of experience and an author of 3 best-selling books in property &amp; financial management<h2>Program Outline</h2><ol><li>Financial Planning Framework Learn our holistic 7-step financial &amp; wealth management framework which you can use for your own planning. Get awareness of your concerns and priorities via our financial fact-find methodology.</li><li>Financial Status &amp; Ratios Learn the essentials of the financial plan which comprises of savings, key financial ratios, income statement, analysis of cashflow statement and net worth statement.</li><li>Protection &amp; Insurance Gaps Understand how we audit protection gaps, and guidelines for you to structure your insurance policies</li><li>Investment &amp; Portfolio Design Acquire a few key competencies in investment management, and portfolio designs and strategies</li><li>Property Investment &amp; Financing Options Review your property mortgage &amp; financing options. Unlock the value of your property as a leverage for further property investment or simply save the cost of interest</li><li>Recognise the importance of legacy and wills planning Understand the key elements in a will which makes it functional and it includes the essential information such as revocation, executor appointment</li><li>Financial Goal Plan Have a good sense to develop your financial plan which highlights your financial concerns and recommendations to achieve goals. Conceptualize financial options.</li></ol><h3>The Speaker</h3><a rel="" href="https://singcapital.com.sg/management-team">Alfred is the CEO of SingCapita</a>l which is a Financial Advisory firm licensed by Monetary Authority of Singapore (MAS). He has more than 25 years of experience in the financial advisory field serving both individuals and corporations, and sits on the board of various real estate funds as independent director and advisory board member. His insights and perspectives on various financial matters are regularly interviewed by numerous media channels from radio to TV including Channel NewsAsia, Channel U, Strait Times and Business Times.As an ardent believer in the power of education, Alfred strives to share his knowledge through as many conduits as possible. He is the Creator and Chief Trainer for the popular program, 'Singapore Accredited Mortgage Planner', for real estate and financial professionals.This passion to share has also prompted Alfred to author 3 books, ‘Mortgage and Grow Rich’, ‘Grow Rich Singapore Style’ and ‘Last Wishes’. The books are dedicated to holistic financial planning towards financial well-being. The Last Wishes entitled “Last Wishes: Financial Planning, Will Planning and Funeral Planning in Singapore” is his latest book.A Comprehensive Financial Planning &amp; Portfolio Management Workshop Date: 23 March 2019 Time: 10am to 12.30pm Venue: Paya Lebar Square next to Paya Lebar MRT Station (60 Paya Lebar Road, Paya Lebar Square, #09-01 Singapore 409051) Contact No.: 6801 4088 Fees: Free Workshop for first 40 participants (worth $138)

Purpose of the event

Reviews are important because your personal situation might have changed, your lifestyle and financial goals might have been altered. Your insurance needs may evolve or your debts may not be effectively managed. How does upgrading to a private condo affect your financial situations?

We see many individuals after attending an investment outlook event freeze to make decisions or make the wrong decision by following advice blindly without considering their own financial situation and goals. It is my intention to help individuals see the importance of holistic financial management as well as highlight key elements on developing their own financial plan.

Leading the workshop is Alfred Chia, CEO of SingCapital with more than 25 years of experience and an author of 3 best-selling books in property & financial management

Program Outline

Financial Planning Framework
Learn our holistic 7-step financial & wealth management framework which you can use for your own planning. Get awareness of your concerns and priorities via our financial fact-find methodology.

Financial Status & Ratios
Learn the essentials of the financial plan which comprises of savings, key financial ratios, income statement, analysis of cashflow statement and net worth statement.

Protection & Insurance Gaps
Understand how we audit protection gaps, and guidelines for you to structure your insurance policies

Investment & Portfolio Design
Acquire a few key competencies in investment management, and portfolio designs and strategies

Property Investment & Financing Options
Review your property mortgage & financing options. Unlock the value of your property as a leverage for further property investment or simply save the cost of interest

Recognise the importance of legacy and wills planning
Understand the key elements in a will which makes it functional and it includes the essential information such as revocation, executor appointment

Financial Goal Plan
Have a good sense to develop your financial plan which highlights your financial concerns and recommendations to achieve goals. Conceptualize financial options.

The Speaker

Alfred is the CEO of SingCapital which is a Financial Advisory firm licensed by Monetary Authority of Singapore (MAS). He has more than 25 years of experience in the financial advisory field serving both individuals and corporations, and sits on the board of various real estate funds as independent director and advisory board member. His insights and perspectives on various financial matters are regularly interviewed by numerous media channels from radio to TV including Channel NewsAsia, Channel U, Strait Times and Business Times.

As an ardent believer in the power of education, Alfred strives to share his knowledge through as many conduits as possible. He is the Creator and Chief Trainer for the popular program, 'Singapore Accredited Mortgage Planner', for real estate and financial professionals.

This passion to share has also prompted Alfred to author 3 books, ‘Mortgage and Grow Rich’, ‘Grow Rich Singapore Style’ and ‘Last Wishes’. The books are dedicated to holistic financial planning towards financial well-being. The Last Wishes entitled “Last Wishes: Financial Planning, Will Planning and Funeral Planning in Singapore” is his latest book.

A Comprehensive Financial Planning & Portfolio Management Workshop


Date: 23 March 2019
Time: 10am to 12.30pm
Venue: Paya Lebar Square next to Paya Lebar MRT Station (60 Paya Lebar Road, Paya Lebar Square, #09-01 Singapore 409051)
Contact No.: 6801 4088
Fees: Free Workshop for first 40 participants (worth $138)




Financial Planning and Portfolio Management Workshop

A Comprehensive Financial Planning and Portfolio Management Workshop

<figure><a href="https://cdn.bloghunch.com/uploads/5vFaPUpaJUz574iq.webp"><img src="https://cdn.bloghunch.com/uploads/5vFaPUpaJUz574iq.webp" mediatype="img" alt="Bridge protection Fwd Singapore Singcapital and PropNex Realty Singapore" width="800" height="124.75067996373527" dataalign="left" caption="" link="" class=""></a></figure><blockquote>More than 11,000 PropNex’s self-employed salespersons and their extended community of friends and family (“PropNex Community”) will enjoy exclusive access and credits for FWD’s Term Life Plus insurance and Big 3 Critical Illness insurance online.</blockquote>Singapore, 16 February 2022&nbsp;– Singapore’s leading digital insurer FWD Singapore (“FWD”) and financial advisory partner SingCapital are pleased to partner PropNex Realty (“PropNex”), Singapore’s largest real estate brokerage agency, in an exclusive tie-up to empower the PropNex community to close their insurance gaps through accessible and affordable solutions.Through this partnership, the PropNex Community can secure their term life and critical illness coverage with FWD’s Term Life Plus insurance and Big 3 Critical Illness insurance online within minutes, without any medical examination.They will also receive a first-year premium credit of up to S$100. For example, for a customer aged 35, with a coverage of S$50,000 for Cancer, Heart Attack and Stroke, a S$100 credit will offset close to 50% of his first-year premium. FWD’s comprehensive term life insurance and critical illness plans provide Self-Employed Persons (“SEPs”) greater financial support and flexibility with a lump-sum payout upon a critical illness, total and permanent disability, or death.The Life Insurance Association of Singapore has highlighted in the 2017 Protection Gap Study that the average protection gap for mortality and critical illnesses for an average economically active adult is around 2 times and 3 times their annual income.FWD Singapore and SingCapital have committed to fund more than S$1,000,000 credits to cater for a growing agency force.Kee Eng Khor,&nbsp;FWD Singapore’s CEO, said “We’re delighted to support an important group of Singapore’s SEPs with accessible and affordable life and critical illness coverage.As a digital-first insurance provider, this partnership is part of our commitment to collaborate with like-minded partners to leverage our capabilities and continue changing the way people feel about insurance.”“PropNex’s philosophy is to constantly add value for our salesforce and this tie-up allows our 11,043 salespersons to enjoy more than S$1,000,000 credits in total for the protection of themselves and even for their loved ones,” remarked&nbsp;Ismail Gafoor, CEO of PropNex Realty.“SingCapital is excited to empower the PropNex Community with more insurance protection options through FWD Singapore,” added&nbsp;Alfred Chia, CEO of SingCapital.____________________________________________________________________________________________<ol><li>Based on male, aged 35, non-smoker with a sum assured of S$50,000 for FWD Big 3 Critical Illness insurance</li><li><a target="_blank" rel="nofollow noopener" href="https://www.lia.org.sg/media/1527/lia_pgs_2017_key_findings_180426.pdf" style="box-sizing: border-box; background-color: transparent; color: rgb(53, 156, 185); text-decoration: none; outline: 0px !important; margin-bottom: 0px;">https://</a><a target="_blank" rel="nofollow" href="https://www.lia.org.sg/media/1527/lia_pgs_2017_key_findings_180426.pdf">www.lia.org.sg/media/1527/lia_pgs_2017_key_findings_180426.pdf</a></li><li>as at 7 February 2022</li></ol>About FWD FWD Group is a pan-Asian life insurance business with approximately 10 million customers across 10 markets, including some of the fastest growing insurance markets in the world.Established in 2013, FWD is focused on making the insurance journey simpler, faster and smoother, with innovative propositions and easy-to-understand products, supported by digital technology. Through this customer-led approach, FWD is committed to changing the way people feel about insurance.FWD Singapore started operations in 2016 and is one of the first fully direct and online life and general insurers, with the capability to also provide offline advisory for customers.For more information, please visit&nbsp;<a target="_blank" rel="nofollow" href="http://www.fwd.com.sg">www.fwd.com.sg</a>About SingCapital SingCapital is one of Singapore’s leading Financial Advisory Firms dedicated to providing quality financial services and solutions for individuals and businesses. Licensed by the Monetary Authority of Singapore (MAS) under the Financial Adviser Act, SingCapital’s personal financial consultants will be able to guide individuals into achieving financial freedom or businesses in corporate risks management, insurance or corporate financial planning.For more information, please visit&nbsp;<a target="_blank" rel="nofollow" href="http://www.singcapital.com">www.singcapital.com</a>About PropNex Realty Singapore PropNex is Singapore’s largest listed homegrown real estate agency with over 11,000 sales professionals leading in the residential property segment, new project launches, HDB resale market and commercial segments.The Group has an established presence in Singapore’s residential market and is continually expanding the brand presence in Indonesia, Malaysia, Vietnam and Cambodia.With a strong commitment to service excellence and quality, PropNex is the proud recipient of numerous accolades and is the recognized leader in real estate agency services.For more information, please visit&nbsp;<a target="_blank" rel="nofollow" href="http://www.propnex.com">www.propnex.com</a>For media enquiries, please contact:PropNex Realty Singapore:Carolyn Goh<a target="_blank" rel="nofollow" href="mailto:Goh￼carolyn@propnex.com"> </a><a target="_blank" rel="nofollow" href="mailto:carolyn@propnex.com">carolyn@propnex.com</a>SingCapital:Alfred Chia<a target="_blank" rel="nofollow" href="mailto:Chia￼alfred@singcapital.com.sg"> alfred@singcapital.com.sg</a>FWD Singapore:Mahima Tankha Marwah<a target="_blank" rel="nofollow" href="mailto:Marwah￼Mahima.marwah@fwd.com"> Mahima.marwah@fwd.com</a>Olivia Lee<a target="_blank" rel="nofollow" href="mailto:Lee￼olivia.lee@fwd.com"> </a><a target="_blank" rel="nofollow" href="mailto:olivia.lee@fwd.com">olivia.lee@fwd.com</a><h2>Frequently Asked Questions</h2><h3>Who is SingCapital?</h3>SingCapital is one of Singapore’s leading Financial Advisory Firms dedicated to providing quality financial services and solutions for individuals and businesses.<h3>Who is PropNex?</h3>PropNex is Singapore’s largest listed homegrown real estate agency with over 11,000 sales professionals leading in the residential property segment, new project launches, HDB resale market and commercial segments.<h3>Who is FWD?</h3>FWD Group is a pan-Asian life insurance business with approximately 10 million customers across 10 markets, including some of the fastest growing insurance markets in the world.<h3>What is the purpose behind this partnership?</h3>Fwd Singapore, Singcapital and PropNex Realty Singapore to Bridge Protection Gap for More Than 11,000 Self-Employed Salespersons with Over S$1 million Credits

More than 11,000 PropNex’s self-employed salespersons and their extended community of friends and family (“PropNex Community”) will enjoy exclusive access and credits for FWD’s Term Life Plus insurance and Big 3 Critical Illness insurance online.

Singapore, 16 February 2022 – Singapore’s leading digital insurer FWD Singapore (“FWD”) and financial advisory partner SingCapital are pleased to partner PropNex Realty (“PropNex”), Singapore’s largest real estate brokerage agency, in an exclusive tie-up to empower the PropNex community to close their insurance gaps through accessible and affordable solutions.

Through this partnership, the PropNex Community can secure their term life and critical illness coverage with FWD’s Term Life Plus insurance and Big 3 Critical Illness insurance online within minutes, without any medical examination.

They will also receive a first-year premium credit of up to S$100. For example, for a customer aged 35, with a coverage of S$50,000 for Cancer, Heart Attack and Stroke, a S$100 credit will offset close to 50% of his first-year premium.


FWD’s comprehensive term life insurance and critical illness plans provide Self-Employed Persons (“SEPs”) greater financial support and flexibility with a lump-sum payout upon a critical illness, total and permanent disability, or death.

The Life Insurance Association of Singapore has highlighted in the 2017 Protection Gap Study that the average protection gap for mortality and critical illnesses for an average economically active adult is around 2 times and 3 times their annual income.

FWD Singapore and SingCapital have committed to fund more than S$1,000,000 credits to cater for a growing agency force.

Kee Eng Khor, FWD Singapore’s CEO, said “We’re delighted to support an important group of Singapore’s SEPs with accessible and affordable life and critical illness coverage.

As a digital-first insurance provider, this partnership is part of our commitment to collaborate with like-minded partners to leverage our capabilities and continue changing the way people feel about insurance.”

“PropNex’s philosophy is to constantly add value for our salesforce and this tie-up allows our 11,043 salespersons to enjoy more than S$1,000,000 credits in total for the protection of themselves and even for their loved ones,” remarked Ismail Gafoor, CEO of PropNex Realty.

“SingCapital is excited to empower the PropNex Community with more insurance protection options through FWD Singapore,” added Alfred Chia, CEO of SingCapital.

____________________________________________________________________________________________

Based on male, aged 35, non-smoker with a sum assured of S$50,000 for FWD Big 3 Critical Illness insurance

https://www.lia.org.sg/media/1527/lia_pgs_2017_key_findings_180426.pdf

as at 7 February 2022

About FWD


FWD Group is a pan-Asian life insurance business with approximately 10 million customers across 10 markets, including some of the fastest growing insurance markets in the world.

Established in 2013, FWD is focused on making the insurance journey simpler, faster and smoother, with innovative propositions and easy-to-understand products, supported by digital technology. Through this customer-led approach, FWD is committed to changing the way people feel about insurance.

FWD Singapore started operations in 2016 and is one of the first fully direct and online life and general insurers, with the capability to also provide offline advisory for customers.

For more information, please visit www.fwd.com.sg

About SingCapital


SingCapital is one of Singapore’s leading Financial Advisory Firms dedicated to providing quality financial services and solutions for individuals and businesses. Licensed by the Monetary Authority of Singapore (MAS) under the Financial Adviser Act, SingCapital’s personal financial consultants will be able to guide individuals into achieving financial freedom or businesses in corporate risks management, insurance or corporate financial planning.

For more information, please visit www.singcapital.com

About PropNex Realty Singapore


PropNex is Singapore’s largest listed homegrown real estate agency with over 11,000 sales professionals leading in the residential property segment, new project launches, HDB resale market and commercial segments.

The Group has an established presence in Singapore’s residential market and is continually expanding the brand presence in Indonesia, Malaysia, Vietnam and Cambodia.

With a strong commitment to service excellence and quality, PropNex is the proud recipient of numerous accolades and is the recognized leader in real estate agency services.

For more information, please visit www.propnex.com

For media enquiries, please contact:

PropNex Realty Singapore:

Carolyn Goh
carolyn@propnex.com

SingCapital:

Alfred Chia
alfred@singcapital.com.sg

FWD Singapore:

Mahima Tankha Marwah
Mahima.marwah@fwd.com

Olivia Lee
olivia.lee@fwd.com

Frequently Asked Questions

Who is SingCapital?

SingCapital is one of Singapore’s leading Financial Advisory Firms dedicated to providing quality financial services and solutions for individuals and businesses.

Who is PropNex?

PropNex is Singapore’s largest listed homegrown real estate agency with over 11,000 sales professionals leading in the residential property segment, new project launches, HDB resale market and commercial segments.

Who is FWD?

FWD Group is a pan-Asian life insurance business with approximately 10 million customers across 10 markets, including some of the fastest growing insurance markets in the world.

What is the purpose behind this partnership?

Fwd Singapore, Singcapital and PropNex Realty Singapore to Bridge Protection Gap for More Than 11,000 Self-Employed Salespersons with Over S$1 million Credits



This partnership showcases commitment to collaborating with compatible partners in Financial Industry and continues to transform people's views on insurance.

Financial Advisory Firm Partnership | SingCapital

FWD Singapore, SingCapital and PropNex Realty Singapore to Bridge Protection Gap for More Than 11,000 Self-Employed Salespersons with Over S$1 million Credits

<h2>Purpose of the event</h2>Global Protectionism is on the rise. COVID-19, import and export tariffs and market access barriers endanger economic growth and jobs worldwide. How will this affect businesses? Join us for the webinar with Dr Li Wenlong and Mr Alfred Chia, where they discuss on the rise of protectionism, its implications to an uncertain environment, and how businesses can adapt and navigate these geopolitical tensions.<h2>About the Speakers</h2><h3>Dr Li Wenlong Chief Economist, Tusheng Technology Senior Economist (China Economy), ASEAN+3 Macroeconomic Research Office (AMRO)</h3>Dr Li Wenlong is the Chief Economist in Tusheng Technology, a leading economic data mining company powered by AI technology. He is a Senior Economist in the ASEAN+3 Macroeconomic Research Office (AMRO). Since September 2014, he has been in charge of the surveillance work for China's Economy, and also contributes to the East Asian region. He was in charge of Japan's economy from February 2012 to August 2014 in AMRO.Dr Li has varied expertise in macroeconomics and policy analysis, as well as international cooperation from working at a central bank and international financial institutions.Before joining AMRO, Dr Li worked for the People's Bank of China, the central bank of the People's Republic of China, for regional economic surveillance and financial cooperation from July 2004 to February 2012.During 2009-2010, Dr Li worked in the Asia and Pacific Department of the International Monetary Fund as special appointee/economist and was involved in surveillance work for East Asia.<h3>Mr Alfred Chia CEO, SingCapital Pte Ltd</h3>Alfred is the CEO of SingCapital, a Financial Advisory firm licensed by Monetary Authority of Singapore (MAS). He has more than 25 years of experience in the financial advisory field serving both individuals and Corporations. He also sits on the board of various real estate funds as independent director and advisory board member. He is currently serving as the President of Financial Planning Association of Singapore(FPAS). He is regularly interviewed by numerous media channels for his insights and perspectives on financial matters<h3>Event date: 23rd July ,2020 – 6:30pm</h3><h3>Venue: Webinar</h3>

Purpose of the event

Global Protectionism is on the rise. COVID-19, import and export tariffs and market access barriers endanger economic growth and jobs worldwide. How will this affect businesses? Join us for the webinar with Dr Li Wenlong and Mr Alfred Chia, where they discuss on the rise of protectionism, its implications to an uncertain environment, and how businesses can adapt and navigate these geopolitical tensions.

About the Speakers

Dr Li Wenlong
Chief Economist, Tusheng Technology
Senior Economist (China Economy), ASEAN+3 Macroeconomic Research Office (AMRO)

Dr Li Wenlong is the Chief Economist in Tusheng Technology, a leading economic data mining company powered by AI technology. He is a Senior Economist in the ASEAN+3 Macroeconomic Research Office (AMRO). Since September 2014, he has been in charge of the surveillance work for China's Economy, and also contributes to the East Asian region. He was in charge of Japan's economy from February 2012 to August 2014 in AMRO.

Dr Li has varied expertise in macroeconomics and policy analysis, as well as international cooperation from working at a central bank and international financial institutions.

Before joining AMRO, Dr Li worked for the People's Bank of China, the central bank of the People's Republic of China, for regional economic surveillance and financial cooperation from July 2004 to February 2012.

During 2009-2010, Dr Li worked in the Asia and Pacific Department of the International Monetary Fund as special appointee/economist and was involved in surveillance work for East Asia.

Mr Alfred Chia
CEO, SingCapital Pte Ltd

Alfred is the CEO of SingCapital, a Financial Advisory firm licensed by Monetary Authority of Singapore (MAS). He has more than 25 years of experience in the financial advisory field serving both individuals and Corporations. He also sits on the board of various real estate funds as independent director and advisory board member. He is currently serving as the President of Financial Planning Association of Singapore(FPAS). He is regularly interviewed by numerous media channels for his insights and perspectives on financial matters

Event date: 23rd July ,2020 – 6:30pm

Venue: Webinar

Global Rise of Protectionism - Implications for Businesses

<h2>Purpose of the event</h2>This is Not a will writing session. We are focusing on the topic of estate planning and why it is more important to put in place a holistic estate plan than simply only doing a will.What is estate planning? Is it simply only about doing up your will, trust, LPA, etc? How do you structure these instruments to properly tie-in with your unique family circumstances? What are some loopholes which are frequently left unaddressed and which you probably might have missed too?The core focus is to take care of loved ones whom we will leave behind (in event of our passing) in the best way possible way and to prevent them from falling into hardships.The only way to achieve this as according to our wishes is through a comprehensive pre-planning approach. In this session, learn through case studies and an interactive environment on how to apply the following course outline to your specific family circumstances. Learn what to look out for in your own pre-planning.<h2>Workshop Outline:</h2><h3>Will Planning</h3>Why do I need a Will? What are the limitations in a Will? Can I include a trust in my will and under what circumstances will I need a trust? How should I keep my will?<h3>Property Succession</h3>How will my property / properties be distributed among my spouse and children? What are the taxes associated with inheritance? How can I address these issues in a way which will maintain harmony in my family?<h3>Planning for Special Needs and Vulnerable Beneficiaries</h3>What if my beneficiary is unable to work and requires a care taker for assistance? What if my beneficiary is unable to make good decisions about money and will spend his / her inheritance very quickly? How much money is required to take care of a vulnerable beneficiary? Will the beneficiary always have a roof over his / her head?<h3>Lasting Power of Attorney (LPA) and Advanced Medical Directive (AMD)</h3>What is the LPA for and when does it kick in? What is the AMD and when does it kick in? Is doing the LPA form 1 sufficient? Under what circumstances will I need to do the LPA form 2? How does the LPA tie in with my overall estate plan?<h3>Testimonials from participants:</h3>“Very Informative” – Edmund Seah “Simple explanation with relevant examples” - Germaine Tan “Clarified doubts and understood more about estate planning” – Andrea Lim<h2>About the Speaker</h2>John Yeo is a Winner at the Singapore FPAS Financial Planner Awards 2019 in the Financial Advisory Open Category for planning for special needs families.Unlike most other awards which are based on sales volume, this achievement focuses on recognizing financial planning quality, excellence and experience that demonstrates the highest level of financial planning skills, professional knowledge and upholding best practices in the industry. As a practitioner, he has advised families with properties inheritance, planning for special needs children and vulnerable beneficiaries and business succession for business owners. He has been featured in the book "Last Wishes", sharing his practical experiences in estate planning.Event date: August 17,2019 – 10:00am-12:30pmVenue: Paya Lebar Square, 60 Paya Lebar Road, #09-01 S(40905)

Purpose of the event

This is Not a will writing session. We are focusing on the topic of estate planning and why it is more important to put in place a holistic estate plan than simply only doing a will.

What is estate planning? Is it simply only about doing up your will, trust, LPA, etc? How do you structure these instruments to properly tie-in with your unique family circumstances? What are some loopholes which are frequently left unaddressed and which you probably might have missed too?

The core focus is to take care of loved ones whom we will leave behind (in event of our passing) in the best way possible way and to prevent them from falling into hardships.

The only way to achieve this as according to our wishes is through a comprehensive pre-planning approach. In this session, learn through case studies and an interactive environment on how to apply the following course outline to your specific family circumstances. Learn what to look out for in your own pre-planning.

Workshop Outline:

Will Planning

Why do I need a Will?
What are the limitations in a Will?
Can I include a trust in my will and under what circumstances will I need a trust?
How should I keep my will?

Property Succession

How will my property / properties be distributed among my spouse and children?
What are the taxes associated with inheritance?
How can I address these issues in a way which will maintain harmony in my family?

Planning for Special Needs and Vulnerable Beneficiaries

What if my beneficiary is unable to work and requires a care taker for assistance?
What if my beneficiary is unable to make good decisions about money and will spend his / her inheritance very quickly?
How much money is required to take care of a vulnerable beneficiary?
Will the beneficiary always have a roof over his / her head?

Lasting Power of Attorney (LPA) and Advanced Medical Directive (AMD)

What is the LPA for and when does it kick in? What is the AMD and when does it kick in?
Is doing the LPA form 1 sufficient?
Under what circumstances will I need to do the LPA form 2?
How does the LPA tie in with my overall estate plan?

Testimonials from participants:

“Very Informative” – Edmund Seah
“Simple explanation with relevant examples” - Germaine Tan
“Clarified doubts and understood more about estate planning” – Andrea Lim

About the Speaker

John Yeo is a Winner at the Singapore FPAS Financial Planner Awards 2019 in the Financial Advisory Open Category for planning for special needs families.

Unlike most other awards which are based on sales volume, this achievement focuses on recognizing financial planning quality, excellence and experience that demonstrates the highest level of financial planning skills, professional knowledge and upholding best practices in the industry.


As a practitioner, he has advised families with properties inheritance, planning for special needs children and vulnerable beneficiaries and business succession for business owners. He has been featured in the book "Last Wishes", sharing his practical experiences in estate planning.

Event date: August 17,2019 – 10:00am-12:30pm

Venue: Paya Lebar Square, 60 Paya Lebar Road, #09-01 S(40905)



Estate Planning Workshop

<h2>Purpose of the event</h2>The Only Holistic Workshop in Singapore to increase your Wisdom in Personal Finance. Practical exercises include tools and templates to manage your money for a lifetime. Different aspects of money like insurances, investments, loans, cash management, Will, etc are covered.This is NOT a Preview. This is NOT a Sales Talk. No Sponsorship. No B.S.<h3>Summary</h3> &nbsp;Learn Practical Strategies &amp; Apply them Immediately. &nbsp;Simple to understand for Beginners. &nbsp;Easy to use for Sophisticated investors. &nbsp;Empower yourself with financial knowledge &amp; skills. &nbsp;Boost your Wealth Quotient to avoid conmen, scams &amp; perhaps some “advisers”.Get the real stuff! We deliver everything in this workshop. Consists of hands-on applications using proprietary models. For this reason, all attendees are required to sign a Non Disclosure Agreement (NDA) with ID verification.<h2>Synopsis</h2><h3>Wealth Basics (Fundamentals of Personal Finance)</h3> Lessons from Rich Dad Poor Dad. How much Emergency Fund should I set aside? How much is too little or too much? Double-Edged Sword of Debt: Effective Use vs Investment Returns Legal Income Tax Reduction Strategies<h3>Wealth Protection (Insurance)</h3> The Worst Person to ask about Insurance is an Insurance Salesman! Are you Insured Effectively or Overpaying for Insurance? Things Your Insurance Adviser Will Never Tell You. What to Buy, How to Buy &amp; Who to Buy from?<h3>Wealth Accumulation &amp; Growth (Investment)</h3> Evaluate the Risks and Returns of Any Investment in the World. How to Identify Potential Scams. Build an All-Weather Investment Portfolio. How to Prepare for the Next Major Crisis and Profit from it.<h3>Wealth Distribution</h3> Estate &amp; Legacy Planning CPF Nomination: Who to Nominate &amp; who to Avoid? How should I Structure my Will? AMD &amp; LPA<h2>About the Speaker</h2> Shawn is a 2-Time Winner at the National FPAS Financial Planner Awards in the most competitive Financial Advisory Open Category. Unlike most other awards which are based on sales volume, this achievement recognises financial planning quality and excellence that demonstrates the highest level of financial planning skills, professional knowledge &amp; uphold the best practices in the industry.<h3>He is also the founder of the Client Owned Adviser® who must fulfil 7 criteria:</h3><h4>1.) Independent Platform</h4><h4>2.) Direct Access</h4><h4>3.) MAS Licensed</h4><h4>4.) Qualified (CFP, ChFC or IBF-A)</h4><h4>5.) ≥ 5 Years’ Holistic Practice in Financial Planning</h4><h4>6.) No Commission-Bias</h4><h4>7.) Provides Professional Advice on a Retainer.</h4>

Purpose of the event

The Only Holistic Workshop in Singapore to increase your Wisdom in Personal Finance. Practical exercises include tools and templates to manage your money for a lifetime. Different aspects of money like insurances, investments, loans, cash management, Will, etc are covered.

This is NOT a Preview.
This is NOT a Sales Talk.
No Sponsorship. No B.S.

Summary


 Learn Practical Strategies & Apply them Immediately.
 Simple to understand for Beginners.
 Easy to use for Sophisticated investors.
 Empower yourself with financial knowledge & skills.
 Boost your Wealth Quotient to avoid conmen, scams & perhaps some “advisers”.

Get the real stuff! We deliver everything in this workshop.
Consists of hands-on applications using proprietary models.
For this reason, all attendees are required to sign a Non Disclosure Agreement (NDA) with ID verification.

Synopsis

Wealth Basics (Fundamentals of Personal Finance)


Lessons from Rich Dad Poor Dad.
How much Emergency Fund should I set aside? How much is too little or too much?
Double-Edged Sword of Debt: Effective Use vs Investment Returns
Legal Income Tax Reduction Strategies

Wealth Protection (Insurance)


The Worst Person to ask about Insurance is an Insurance Salesman!
Are you Insured Effectively or Overpaying for Insurance?
Things Your Insurance Adviser Will Never Tell You.
What to Buy, How to Buy & Who to Buy from?

Wealth Accumulation & Growth (Investment)


Evaluate the Risks and Returns of Any Investment in the World.
How to Identify Potential Scams.
Build an All-Weather Investment Portfolio.
How to Prepare for the Next Major Crisis and Profit from it.

Wealth Distribution


Estate & Legacy Planning
CPF Nomination: Who to Nominate & who to Avoid?
How should I Structure my Will?
AMD & LPA

About the Speaker


Shawn is a 2-Time Winner at the National FPAS Financial Planner Awards in the most competitive Financial Advisory Open Category. Unlike most other awards which are based on sales volume, this achievement recognises financial planning quality and excellence that demonstrates the highest level of financial planning skills, professional knowledge & uphold the best practices in the industry.

He is also the founder of the Client Owned Adviser® who must fulfil 7 criteria:

1.) Independent Platform

2.) Direct Access

3.) MAS Licensed

4.) Qualified (CFP, ChFC or IBF-A)

5.) ≥ 5 Years’ Holistic Practice in Financial Planning

6.) No Commission-Bias

7.) Provides Professional Advice on a Retainer.




Financial Planning Workshop

<h3>By the last wishes Author</h3><h2>Purpose of the event</h2>There has been a growing interest for will planning services. Many have also asked me if simply writing a Will is sufficient. What if one needs to take care of family members who are vulnerable or have special needs. Can a will take care of all their assets?Other questions include property as most of us own a property and it is also the most valuable asset. What is considered a fair way to distribute their property? Should they give equal shares to their family members? What if they have a child who is unmarried and does not own a property?For those who have already done their will, is keeping the will at home or using the bank safe deposit service a more suitable option? Many have asked why can't the will also take care of their affairs in event of unsound mind and what is the difference in a will and lasting power attorney (LPA)? What are the factors to consider in getting a LPA done?In this session, we will be sharing the key elements in a will which makes it functional and it includes the essential information such as revocation, executor appointment etc.Being a MAS Licensed Financial Advisory company, we believe in educating the public in comprehensive financial planning services which includes planning for Will, Trust and LPA. Attend this workshop to learn how to have a will done which will suit your needs and what other planning tools to include to complement your will planning.<h3>Program Outline</h3><ol><li>How to write a will ?</li><li>Limitation of a will</li><li>How to distribute your property fairly?</li><li>Can I include a trust in a will?</li><li>Is Lasting Power Attorney also a will?</li><li>How to keep your will?</li></ol><h3>The Speaker</h3> Alfred is the CEO of SingCapital which is a Financial Advisory firm licensed by Monetary Authority of Singapore (MAS).He has more than 25 years of experience in the financial advisory field serving both individuals and corporations, and sits on the board of various real estate funds as independent director and advisory board member.His insights and perspectives on various financial matters are regularly interviewed by numerous media channels from radio to TV including Channel NewsAsia, Channel U, Strait Times and Business TimesAs an ardent believer in the power of education, Alfred strives to share his knowledge through as many conduits as possible. He is the Creator and Chief Trainer for the popular program, 'Singapore Accredited Mortgage Planner', for real estate and financial professionals.This passion to share has also prompted Alfred to author 3 books, ‘Mortgage and Grow Rich’, ‘Grow Rich Singapore Style’ and ‘Last Wishes’. The books are dedicated to holistic financial planning towards financial well beings. The Last Wishes entitled “Last Wishes: Financial Planning, Will Planning and Funeral Planning in Singapore” is his latest book. Wills Planning Session Date: 23 Feb 2019 Time: 10 am to 12:30 pm Location: Paya Lebar Square next to Paya Lebar MRT Station (60 Paya Lebar Road, Paya Lebar Square, #09-01 Singapore 409051)Contact no : 6801 4088 Workshop Fees: $38. Now Free for the first 50 participants.

By the last wishes Author

Purpose of the event

There has been a growing interest for will planning services. Many have also asked me if simply writing a Will is sufficient. What if one needs to take care of family members who are vulnerable or have special needs. Can a will take care of all their assets?

Other questions include property as most of us own a property and it is also the most valuable asset. What is considered a fair way to distribute their property? Should they give equal shares to their family members? What if they have a child who is unmarried and does not own a property?

For those who have already done their will, is keeping the will at home or using the bank safe deposit service a more suitable option? Many have asked why can't the will also take care of their affairs in event of unsound mind and what is the difference in a will and lasting power attorney (LPA)? What are the factors to consider in getting a LPA done?

In this session, we will be sharing the key elements in a will which makes it functional and it includes the essential information such as revocation, executor appointment etc.

Being a MAS Licensed Financial Advisory company, we believe in educating the public in comprehensive financial planning services which includes planning for Will, Trust and LPA. Attend this workshop to learn how to have a will done which will suit your needs and what other planning tools to include to complement your will planning.

Program Outline

How to write a will ?

Limitation of a will

How to distribute your property fairly?

Can I include a trust in a will?

Is Lasting Power Attorney also a will?

How to keep your will?

The Speaker


Alfred is the CEO of SingCapital which is a Financial Advisory firm licensed by Monetary Authority of Singapore (MAS).

He has more than 25 years of experience in the financial advisory field serving both individuals and corporations, and sits on the board of various real estate funds as independent director and advisory board member.

His insights and perspectives on various financial matters are regularly interviewed by numerous media channels from radio to TV including Channel NewsAsia, Channel U, Strait Times and Business Times

As an ardent believer in the power of education, Alfred strives to share his knowledge through as many conduits as possible. He is the Creator and Chief Trainer for the popular program, 'Singapore Accredited Mortgage Planner', for real estate and financial professionals.

This passion to share has also prompted Alfred to author 3 books, ‘Mortgage and Grow Rich’, ‘Grow Rich Singapore Style’ and ‘Last Wishes’. The books are dedicated to holistic financial planning towards financial well beings. The Last Wishes entitled “Last Wishes: Financial Planning, Will Planning and Funeral Planning in Singapore” is his latest book. Wills Planning Session


Date: 23 Feb 2019
Time: 10 am to 12:30 pm
Location: Paya Lebar Square next to Paya Lebar MRT Station
(60 Paya Lebar Road, Paya Lebar Square, #09-01 Singapore 409051)

Contact no : 6801 4088
Workshop Fees: $38. Now Free for the first 50 participants.





Free Comprehensive Will Planning Workshop

<h2>Purpose of the event</h2>With the rapid digital transformation in the real estate industry, there are rising cyber threats such as phishing attacks, website defacements, and malware infections that Real Estate Agents have to confront.However, there is low awareness on how to identify and defend against such threats. This is the first of such seminar where there will be a live demonstration to showcase such attacks and the various defense strategies.<h3>Event date: January 24,2019 – 2:00-5:00pm</h3><h3>Venue: SingPost Centre Auditorium</h3><h3>Speakers Line-up:</h3> - Lim Ming Cheng &amp; Nelson Mah Managing partners, Ctrl Alt Del Pte Ltd Live Demo on Cyber Threats and Defence by Certified Hackers<h4>- Alfred Chia CEO, SingCapital Last line of Cyber Defence, Cyber Insurance</h4>- Patrick Tan CEO, Fortis Law How Cyber Threats affect your PDPA obligations

Purpose of the event

With the rapid digital transformation in the real estate industry, there are rising cyber threats such as phishing attacks, website defacements, and malware infections that Real Estate Agents have to confront.

However, there is low awareness on how to identify and defend against such threats. This is the first of such seminar where there will be a live demonstration to showcase such attacks and the various defense strategies.

Event date: January 24,2019 – 2:00-5:00pm

Venue: SingPost Centre Auditorium

Speakers Line-up:


- Lim Ming Cheng & Nelson Mah
Managing partners, Ctrl Alt Del Pte Ltd
Live Demo on Cyber Threats and Defence by Certified Hackers

- Alfred Chia
CEO, SingCapital
Last line of Cyber Defence, Cyber Insurance

- Patrick Tan
CEO, Fortis Law
How Cyber Threats affect your PDPA obligations


Cyber Threads to Real Estate Agents

<h3>Strategies to Embrace Property Cooling Measures</h3><h2>Purpose of the event</h2>In support of Real Estate Industry’s continuous strive for Professionalism, Compliance and Profitability, we have invited esteemed speakers for this event to discuss the following:<ul><li>Impact of latest property cooling measures<ul><li>What are the REAL Impact?</li><li>Where are the opportunities</li><li>Tax planning strategies for property investors</li></ul></li><li>How PDPA affects your property agency &amp; ways which you can mitigate these<ul><li>What are the lessons we can draw from these cases relating to “personal data heavy” industries and</li><li>What are the practical steps you can take to manage the risks including using insurance as a mechanism.</li></ul></li><li>Dangers and Risks in Marketing Foreign Properties: Do’s and Don’ts<ul><li>Rising local property prices and the recent changes to the ABSD regime</li><li>Increasing number of estate agents breaching their professional duties in a bid to secure more investment</li><li>Case studies of agents and salespersons have breached their professional duties.</li><li>KEOs to carry out their own due diligence in obtaining information.</li></ul></li></ul><h3>Event date: August 16,2018 – 12:30-5:00pm</h3><h3>Venue: Singpost centre auditorium level 5, 10 Eunos Road 8, Singapore 408600</h3><h3>Trainer: Alfred Chia CEO of SingCapital, Mr. kK Lim, Mr. K. Anparassan</h3>

Strategies to Embrace Property Cooling Measures

Purpose of the event

In support of Real Estate Industry’s continuous strive for Professionalism, Compliance and Profitability, we have invited esteemed speakers for this event to discuss the following:

Impact of latest property cooling measures

What are the REAL Impact?

Where are the opportunities

Tax planning strategies for property investors

How PDPA affects your property agency & ways which you can mitigate these

What are the lessons we can draw from these cases relating to “personal data heavy” industries and

What are the practical steps you can take to manage the risks including using insurance as a mechanism.

Dangers and Risks in Marketing Foreign Properties: Do’s and Don’ts

Rising local property prices and the recent changes to the ABSD regime

Increasing number of estate agents breaching their professional duties in a bid to secure more investment

Case studies of agents and salespersons have breached their professional duties.

KEOs to carry out their own due diligence in obtaining information.

Event date: August 16,2018 – 12:30-5:00pm

Venue: Singpost centre auditorium level 5, 10 Eunos Road 8, Singapore 408600

Trainer: Alfred Chia CEO of SingCapital, Mr. kK Lim, Mr. K. Anparassan

Real Estate Industry Leaders (REIL)Forum 2018

<h2>Purpose of the event</h2>In support of Real Estate Industry’s continuous strive for Professionalism, Compliance and Profitability,we have invited esteemed speakers to discuss on the following: 1.TOPIC: CEA’S PRACTICE GUIDELINES ON DEALING WITH “VULNERABLE CLIENTS” 2.TOPIC: RELEVANCE OF ANTI MONEY LAUNDERING (AML) &amp; TERRORISM (SUPPRESSION OF FINANCING) ACT (TSOFAR) FOR REAL ESTATE INDUSTRY 3. TOPIC: USING TECHNOLOGY TO COMPLY WITH ANTI MONEY LAUNDERING<h3>Event date: January 14,2017 – 1:30-5:00pm</h3><h3>Venue: Hersing Centre Home Auditorium 450 Toa Payoh Lorong 6</h3><h3>Trainer: Alfred Chia CEO of SingCapital, Mr. K. Amparasan, Mr. Shashi Nathan, Mr. William Lai</h3>

Purpose of the event

In support of Real Estate Industry’s continuous strive for Professionalism, Compliance and Profitability,

we have invited esteemed speakers to discuss on the following:


1.TOPIC: CEA’S PRACTICE GUIDELINES ON DEALING WITH “VULNERABLE CLIENTS”
2.TOPIC: RELEVANCE OF ANTI MONEY LAUNDERING (AML) & TERRORISM (SUPPRESSION OF FINANCING) ACT (TSOFAR) FOR REAL ESTATE INDUSTRY
3. TOPIC: USING TECHNOLOGY TO COMPLY WITH ANTI MONEY LAUNDERING

Event date: January 14,2017 – 1:30-5:00pm

Venue: Hersing Centre Home Auditorium 450 Toa Payoh Lorong 6

Trainer: Alfred Chia CEO of SingCapital, Mr. K. Amparasan, Mr. Shashi Nathan, Mr. William Lai




Real Estate Industry Leaders Forum 2017

We are thrilled to invite you to the 2024 Real Estate Industry Leaders Forum, a forum designed to bring together top professionals and innovators from the real estate sector.This event will focus on the following:<h2>Impact of the Interest Rates on Property Investment</h2><ul><li>This talk will cover interest rate movements and their impact on residential and commercial property markets, as well as the implications of the TDSR framework for property buyers.</li></ul><h2>Panel Discussion: Standardizing Co-Broking Arrangements</h2><ul><li>Panelists will discuss standardizing co-broking, common challenges faced by salespersons, advantages of MOUS, legal implications of non-compliance, past disciplinary cases related to co-broking, and the importance of professional indemnity insurance coverage.</li></ul><h3>Event Details:</h3>Date: July 17, 2024 (Wednesday)Time: 2:00 pm - 5.00 pmLocation: @Singpost Auditorium<h3>Payment details:</h3>SingCapital Client: $20Non-member: $40<h3>Register Now!</h3>Secure your spot at the forum by scanning the QR Code below or registering through this link: <a href="https://bit.ly/relf24">https://bit.ly/relf24</a> <figure><a href="https://cdn.bloghunch.com/uploads/U2FGlAhwSgA4xu76.webp"><img src="https://cdn.bloghunch.com/uploads/U2FGlAhwSgA4xu76.webp" mediatype="img" alt="QR code" width="656" height="656" dataalign="left" caption="" link="" class=""></a></figure><h2>Don’t miss this fantastic opportunity to gain valuable insights and network with industry&nbsp;leaders!</h2>PanellistMr. Adam Wang President, SEAAModerator/SpeakerMr. Alfred Chia CEO, SingCapitalPanellistMs. Sharon LinPartner, Withers KhattarWong LLP

We are thrilled to invite you to the 2024 Real Estate Industry Leaders Forum, a forum designed to bring together top professionals and innovators from the real estate sector.

This event will focus on the following:

Impact of the Interest Rates on Property Investment

This talk will cover interest rate movements and their impact on residential and commercial property markets, as well as the implications of the TDSR framework for property buyers.

Panel Discussion: Standardizing Co-Broking Arrangements

Panelists will discuss standardizing co-broking, common challenges faced by salespersons, advantages of MOUS, legal implications of non-compliance, past disciplinary cases related to co-broking, and the importance of professional indemnity insurance coverage.

Event Details:

Date: July 17, 2024 (Wednesday)

Time: 2:00 pm - 5.00 pm

Location: @Singpost Auditorium

Payment details:

SingCapital Client: $20

Non-member: $40

Register Now!

Secure your spot at the forum by scanning the QR Code below or registering through this link: https://bit.ly/relf24  

Don’t miss this fantastic opportunity to gain valuable insights and network with industry leaders!

Panellist

Mr. Adam Wang President, SEAA

Moderator/Speaker

Mr. Alfred Chia CEO, SingCapital

Panellist

Ms. Sharon Lin

Partner, Withers KhattarWong LLP



Discover insights and trends shaping the real estate industry's future at the 2024 forum.

2024 Real Estate Industry Leaders Forum

2024 REAL ESTATE INDUSTRY LEADERS FORUM

<h2>Financial Strategies for Home Buyers</h2><figure><a href="https://cdn.bloghunch.com/uploads/ViesYQsc6lWfBv8H.webp"><img src="https://cdn.bloghunch.com/uploads/ViesYQsc6lWfBv8H.webp" mediatype="img" alt="maximizing investment" width="800" height="600" dataalign="left" caption="" link="" class=""></a></figure>An event dedicated to equipping home buyers with essential financial knowledge and strategies.<figure><a href="https://cdn.bloghunch.com/uploads/CdBbOb4g4gEig0Ez.webp"><img src="https://cdn.bloghunch.com/uploads/CdBbOb4g4gEig0Ez.webp" mediatype="img" alt="financial strategies for home buyers" width="800" height="1066.6666666666667" dataalign="left" caption="" link="" class=""></a></figure>This session covers a crucial topic such as budgeting, mortgage options, interest rates, and tax benefits, ensuring home buyers have the tools to make informed decisions to maximize their investment in today's real estate market.<h3>Event date: May 23,2024 (Thursday)</h3><h3>Event time: 6:30pm</h3><h3>Event Place: Lumina Grand Showflat (Beside Lakeside MRT, Exit C)</h3><figure><a href="https://cdn.bloghunch.com/uploads/1mDrd0japstb5LpC.webp"><img src="https://cdn.bloghunch.com/uploads/1mDrd0japstb5LpC.webp" mediatype="img" alt="financial strategies for home buyers to maximize investment" width="800" height="600" dataalign="left" caption="" link="" class=""></a></figure>

Financial Strategies for Home Buyers

An event dedicated to equipping home buyers with essential financial knowledge and strategies.

This session covers a crucial topic such as budgeting, mortgage options, interest rates, and tax benefits, ensuring home buyers have the tools to make informed decisions to maximize their investment in today's real estate market.

Event date: May 23,2024 (Thursday)

Event time: 6:30pm

Event Place: Lumina Grand Showflat (Beside Lakeside MRT, Exit C)



Discover effective financial strategies to make the most of your home buying investment. Learn how to maximize your returns.

Financial Strategies for Home Buyers

Maximizing Your Investment

<div class="iframe-wrapper"><iframe src="https://www.youtube.com/embed/3gzLxgnjZGk?feature=oembed" width="640" height="360" frameborder="0" allowfullscreen="[object Object]"></iframe></div>In April, gold prices hit a new high of $2,395 per ounce (about $114 per gram), marking a 20% increase over the past year. This has sparked varied reactions from the public on whether to buy gold. Some believe gold's stability makes it a worthwhile investment despite high prices, while others prefer to wait for prices to drop before purchasing.Zhao Liangni and her husband have been exchanging gold bars as birthday gifts for the past two years. Despite the high prices, Zhao continues to buy gold, viewing it as both an investment and a meaningful tradition. They also consider selling their gold bars when prices are high to buy them back later.Gold jewelry remains popular, with no decline in customers over the past six months. Gold is seen as a symbol of wealth, peace, and good fortune, making it a favored gift for occasions like Mother’s Day. Jewelry stores have noted an increase in young customers interested in both modern and traditional gold designs. However, financial planners caution against buying gold jewelry as an investment due to high costs and low returns compared to gold bars.Pawnshops have evolved significantly in Singapore over the years. They offer various services, including pawning gold and other valuables, selling new and second-hand jewelry, and even online interest payments. The pawn industry has grown, driven by both traditional and group-based pawnshops, offering competitive interest rates and expanding to countries like Malaysia and Indonesia.The industry faces challenges, including fluctuating gold prices and competition from other forms of investment. Despite this, pawnshops play a crucial role for many, especially blue-collar and white-collar families needing short-term financial support. Pawnshops also deal in high-value items like luxury watches, which hold significant market value.Overall, gold continues to be a versatile asset for investment, gifts, and financial security, with its market influenced by price fluctuations and consumer trends.

In April, gold prices hit a new high of $2,395 per ounce (about $114 per gram), marking a 20% increase over the past year. This has sparked varied reactions from the public on whether to buy gold. Some believe gold's stability makes it a worthwhile investment despite high prices, while others prefer to wait for prices to drop before purchasing.

Zhao Liangni and her husband have been exchanging gold bars as birthday gifts for the past two years. Despite the high prices, Zhao continues to buy gold, viewing it as both an investment and a meaningful tradition. They also consider selling their gold bars when prices are high to buy them back later.

Gold jewelry remains popular, with no decline in customers over the past six months. Gold is seen as a symbol of wealth, peace, and good fortune, making it a favored gift for occasions like Mother’s Day. Jewelry stores have noted an increase in young customers interested in both modern and traditional gold designs. However, financial planners caution against buying gold jewelry as an investment due to high costs and low returns compared to gold bars.

Pawnshops have evolved significantly in Singapore over the years. They offer various services, including pawning gold and other valuables, selling new and second-hand jewelry, and even online interest payments. The pawn industry has grown, driven by both traditional and group-based pawnshops, offering competitive interest rates and expanding to countries like Malaysia and Indonesia.

The industry faces challenges, including fluctuating gold prices and competition from other forms of investment. Despite this, pawnshops play a crucial role for many, especially blue-collar and white-collar families needing short-term financial support. Pawnshops also deal in high-value items like luxury watches, which hold significant market value.

Overall, gold continues to be a versatile asset for investment, gifts, and financial security, with its market influenced by price fluctuations and consumer trends.

Gold price has been on the rise since March, how does this affect people’s buying of gold? What should one take note of when investing in gold? With gold accessories fetching higher value these days

Frontline 2024-2025

Frontline 2024/2025

<figure><a href="https://cdn.bloghunch.com/uploads/JPJCka9lfkZXh7QO.webp"><img src="https://cdn.bloghunch.com/uploads/JPJCka9lfkZXh7QO.webp" mediatype="img" alt="mortgage and grow rich" width="800" height="600" dataalign="left" caption="" link="" class=""></a></figure>May 19 marked the final day of the Singapore Property Xpo 2024, and the turnout was extraordinary. Organiser were thrilled to announce the winners of the Treasure Hunt and ‘I Can Fly’ lucky draw, who received round-trip tickets to Seoul.<figure><a href="https://cdn.bloghunch.com/uploads/u4Qf73E7jTfqkiL6.webp"><img src="https://cdn.bloghunch.com/uploads/u4Qf73E7jTfqkiL6.webp" mediatype="img" alt="CEO alfred chia speaker of mortgage and grow rich" width="800" height="600" dataalign="left" caption="" link="" class=""></a></figure>Our CEO, Alfred Chia, delivered an engaging presentation on ‘Mortgage &amp; Grow Rich,’ attracting many attendees who sought our advice afterward.We are grateful for the opportunity to assist and welcome new friends interested in their financial planning. The enthusiastic participation reminded us of our purpose this weekend, despite the option to rest at home. We appreciate all the advance bookings for financial planning appointments in the coming week, as this enables us to serve you better and motivates us to excel.A special thank you to <a target="_blank" rel="nofollow noreferrer" class="x1i10hfl xjbqb8w x1ejq31n xd10rxx x1sy0etr x17r0tee x972fbf xcfux6l x1qhh985 xm0m39n x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz x1sur9pj xkrqix3 x1fey0fg" href="https://www.instagram.com/_u/propnexsingapore?fbclid=IwZXh0bgNhZW0CMTAAAR3hZerZBoPUcCYwCRWMSGxDvZNB1gUqxMAhpDOL6IV4JThSY-WbI8HC670_aem_AUo_DiywHyJxvkRs78toufivd7ikxifQOkceZ7kOe-yZR3VhqdtYbQQlx92LtWsWAtoIOAwlx0mg-FxBrlhMyIel" style="color: var(--blue-link); cursor: pointer; text-decoration: none; outline: red dotted 0.14em !important; list-style: none; margin: 0px; text-align: inherit; border-style: none; padding: 0px; border-width: 0px; box-sizing: border-box; background-color: transparent; display: inline-block; -webkit-tap-highlight-color: transparent; touch-action: manipulation; outline-offset: 0.2em; font-family: inherit;">@propnexsingapore</a>and our esteemed partners for contributing to this weekend’s success!

May 19 marked the final day of the Singapore Property Xpo 2024, and the turnout was extraordinary. Organiser were thrilled to announce the winners of the Treasure Hunt and ‘I Can Fly’ lucky draw, who received round-trip tickets to Seoul.

Our CEO, Alfred Chia, delivered an engaging presentation on ‘Mortgage & Grow Rich,’ attracting many attendees who sought our advice afterward.

We are grateful for the opportunity to assist and welcome new friends interested in their financial planning. The enthusiastic participation reminded us of our purpose this weekend, despite the option to rest at home. We appreciate all the advance bookings for financial planning appointments in the coming week, as this enables us to serve you better and motivates us to excel.

A special thank you to @propnexsingapore

and our esteemed partners for contributing to this weekend’s success!

Mortgage and Grow Rich

Dear all,We trust this message finds you in high spirits. Brace yourself for an exciting exploration into the future of investments!🌟 We are thrilled to extend a special invitation to our highly anticipated Investment Outlook Seminar 2024, and we invite you to join us on 20th January 2024!<h3>📅 Event Details:</h3>Date: 20th January 2024Time: 2 PM to 5 PMRegistration Time: 1:30 PMVenue: Lobby A Level 5, 20 Kallang Ave, Pico Creative Centre, 339411CDP Hours: ProvidedLight Refreshment: 3:30 PM<h2>🎙 Distinguished Speakers:</h2>Alfred ChiaIsmail GafoorTan Teck LengThis seminar promises an enlightening experience, providing a comprehensive overview of the investment landscape in 2024. Our esteemed speakers will delve into market trends, emerging opportunities, and strategic insights to empower you in making informed investment decisions.<h3>🌐 Inviting Your Clients:</h3>We encourage you to extend this invitation to your clients who would benefit from gaining valuable insights into the 2024 investment landscape. Your presence, along with your clients, will contribute to the diversity of perspectives during our&nbsp;discussions.<h3>🔑 Key Topics:</h3>Investment Outlook 2024: Uncover trends and seize opportunities that will shape your financial success in the coming year.Property Outlook 2024: Gain valuable insights into anticipated changes and growth, ensuring you stay ahead in the dynamic property market.<h2>🌟 Why Attend:</h2>Gain insights from industry leaders 🌐Network with fellow investors 🤝Stay ahead of market trends 📈Access valuable resources for your investment journey 🧠<h2>🎫 Registration for You and Your Clients:</h2>Secure a spot for you and your clients by registering via the link below. Limited seats are available,&nbsp;so&nbsp;act&nbsp;fast!<h3>For public (Admission fee of S$18 required):</h3><a href="https://survey.singcapital.com.sg/investment-outlook-tix-g0lXgdgOR3enfhw5ETULhQ?v=l">https://survey.singcapital.com.sg/investment-outlook-tix-g0lXgdgOR3enfhw5ETULhQ?v=l</a>We eagerly anticipate your presence at the Investment Outlook Seminar 2024.Together, let's unlock the future&nbsp;of&nbsp;investments!<h2>Meanwhile, let's watch this video as SingCapital was interviewed on market&nbsp;outlook&nbsp;2024</h2><div class="iframe-wrapper"><iframe src="https://www.youtube.com/embed/_1X58hDe2n4?feature=oembed" width="640" height="360" frameborder="0" allowfullscreen="[object Object]"></iframe></div>

Dear all,

We trust this message finds you in high spirits. Brace yourself for an exciting exploration into the future of investments!

🌟 We are thrilled to extend a special invitation to our highly anticipated Investment Outlook Seminar 2024, and we invite you to join us on 20th January 2024!

📅 Event Details:

Date: 20th January 2024

Time: 2 PM to 5 PM

Registration Time: 1:30 PM

Venue: Lobby A Level 5, 20 Kallang Ave, Pico Creative Centre, 339411

CDP Hours: Provided

Light Refreshment: 3:30 PM

🎙 Distinguished Speakers:

Alfred Chia

Ismail Gafoor

Tan Teck Leng

This seminar promises an enlightening experience, providing a comprehensive overview of the investment landscape in 2024. Our esteemed speakers will delve into market trends, emerging opportunities, and strategic insights to empower you in making informed investment decisions.

🌐 Inviting Your Clients:

We encourage you to extend this invitation to your clients who would benefit from gaining valuable insights into the 2024 investment landscape. Your presence, along with your clients, will contribute to the diversity of perspectives during our discussions.

🔑 Key Topics:

Investment Outlook 2024: Uncover trends and seize opportunities that will shape your financial success in the coming year.

Property Outlook 2024: Gain valuable insights into anticipated changes and growth, ensuring you stay ahead in the dynamic property market.

🌟 Why Attend:

Gain insights from industry leaders 🌐

Network with fellow investors 🤝

Stay ahead of market trends 📈

Access valuable resources for your investment journey 🧠

🎫 Registration for You and Your Clients:

Secure a spot for you and your clients by registering via the link below. Limited seats are available, so act fast!

For public (Admission fee of S$18 required):

https://survey.singcapital.com.sg/investment-outlook-tix-g0lXgdgOR3enfhw5ETULhQ?v=l

We eagerly anticipate your presence at the Investment Outlook Seminar 2024.

Together, let's unlock the future of investments!

Meanwhile, let's watch this video as SingCapital was interviewed on market outlook 2024



Investment Outlook Seminar 2024

<h2>CPF Board</h2>Hey and welcome to Let's Talk CPF, a podcast where we bring conversations on CPF to your ears. Brought to you by the CPF Board, this podcast will answer common questions, offer tips, and feature interviews with industry experts on CPF and financial planning. Thanks for listening, and let's get straight into today's episode.<h2>Yu Zhen</h2>Hello, I'm Yu Zhen from CPF Board, and today we are delving deeper into retirement adequacy and planning for it, specifically for decumulation. We all know we have to save and plan to secure financial security for our retirement. This is known as the accumulation phase, where not only do we work, we also make our money work harder to beat inflation and harness the power of compounding. But when we retire, we need to move our focus from accumulating wealth to starting to draw down from our retirement funds. This is the decumulation phase, and we're excited to have Lorna Tan from DBS join us today to share her expertise on effective decumulation. Lorna is a seasoned financial educator and is currently Head of Financial Planning Literacy at DBS bank. Beyond her day job at the bank, she also educates young adults at the NUS business school as an adjunct professor on personal finance and is a best selling author of four books on financial literacy. Hello, Lorna!<h2>Lorna</h2>Hello Yu Zhen, I'm happy to be here today and excited to talk about retirement planning. Decumulation is not merely about spending wisely, but also converting assets into income streams. As you may know, our life expectancies are increasing. So lifelong income streams are an extremely important part of retirement planning.<h2>Yu Zhen</h2>Can you elaborate more on what you mean by lifetime income streams and how can we obtain it?<h2>Lorna</h2>Effective the accumulation goes beyond receiving monthly payouts from the CPF LIFE annuity scheme. It also includes converting our assets into income streams, some of which would be lifelong. Doing so helps to mitigate against longevity and inflation risks and ensures that I do not outlive my nest egg. As I got closer to retirement, I started building multiple income streams. They include annuity payouts, regular coupon payouts from bonds, dividends from REITs and unit trusts, payouts from income funds, rental income and other investments.<h2>Yu Zhen</h2>But to convert to income streams, we should first go back to the fundamentals of retirement and financial planning, which to me means planning early for my retirement, being a disciplined saver, and constantly upskilling with financial knowledge. We should also understand what we want our retirement lifestyle to look like and how much money we need to support this. Do you have any tips on this, Lorna?<h2>Lorna</h2>I did begin planning in this manner. I started by imagining what my retirement lifestyle will be. I was in my 30s back then. So it was difficult to visualise and project accurately into the future. I found that what made it easier was to plan based on three retirement lifestyles of basic, moderate and luxurious. Back then I used an Excel spreadsheet and quantified the needs and wants and expenses for each lifestyle on the left side of the spreadsheet and review them every year. On the right side of the spreadsheet, I worked out the details of my financial resources such as income savings, CPF, insurance, investments, and others that can be used to meet the expenses.<h2>Yu Zhen</h2>And for those of us who don't want to use Excel, you can also check out the CPF planner, where you can input retirement goals and from there, it will tell you how much more you need in your CPF to achieve your retirement goals. You can find it on our CPF website.<h2>Lorna</h2>Yeah, there weren't any digital financial tools back then.<h2>Yu Zhen</h2>So being in CPF board right retirement planning has always been at the forefront of my mind. But for everyone else, I can imagine how it is very easy to get swept up with live with encounters that steer you away from your goals. So how do you keep yourself on track?<h2>Lorna</h2>Financial Security has always been a top priority for me. During my younger days, I focused on accumulating as much wealth as I can, based on my financial circumstances, risk profile and time horizon. That was my accumulation phase. As I reached my 50s, I built guaranteed and non-guaranteed income flows to fund my future expenses and managed my liabilities so that the housing loan would have been paid up by the time I reach my 50s. Doing so offers greater clarity on how much I require for my retirement.<h2>Yu Zhen</h2>I have heard some say that they don't know how much they need when they are older. How do you even quantify your expenses?<h2>Lorna</h2>I mentioned earlier that I worked out the needs and wants and the likely expenses for three retirement lifestyles, and it is prudent to review this regularly. I realized that as you get older and as circumstances change some wants become needs. For example, we had to stay home during the height of the COVID outbreak, and I started watching Netflix for entertainment. Since then, Netflix went from a want to a need.<h2>Yu Zhen</h2>For me too, traveling has become some sort of a need. I cannot imagine not traveling at least once a year. So how do you ensure there's enough savings to last for as long as the person lives?<h2>Lorna</h2>To ensure that I have enough to last my lifetime, I have to work out my must have income floor. This is the minimum monthly income or my must have amount to fund my needs. They should ideally be funded via more stable income flows, such as CPF LIFE payouts, annuity or retirement income insurance payouts and bond coupons regardless of the state of the economy and whether the market is up or down. I also realised that the older I get the more risk averse I become. Although I have the capacity and capability to take a more investment risk, the need to do so reduces over the years as more wealth is accumulated. This lower risk profile is reflected in a higher must have income floor. It will definitely cover all of my needs and some of my wants too.<h2>Yu Zhen</h2>I see that you mentioned that your must have income floor became higher as you adjusted your aspirations, and as you move to some wants to needs. So do we need to regularly review our retirement plans as we progress in life?<h2>Lorna</h2>Yes, and with inflation, our must have income floor will definitely change as well. So we need to stress test our financial planning. To achieve my desired higher must have income floor, I have accumulated sufficient financial resources to invest in safer products. This is reflected in a higher concentration in fixed income products in my portfolio as I got older. By planning for retirement early and reviewing it every year, I'm able to better allocate my savings into suitable investments to close the gaps.<h2>Yu Zhen</h2>Would you mind sharing your strategies for obtaining income in retirement?<h2>Lorna</h2>I have been focusing on building multiple income streams and they sit in these four pots. They are the decumulation, preservation, growth and legacy. For the decumulation pot, I will be drawing down my investments in this pot till they are depleted. They include payouts from CPF LIFE, supplementary retirement scheme withdrawals and insurance policies. In the preservation pot, the income flows will come from dividends, cash payouts, yields and rental income while keeping the capital some or principal amount intact. The investments include bonds, blue chip shares, REITs, income funds and real estate. The growth pot will comprise long term investments for more variable ones, as I'm looking forward to potentially higher returns in the future. Finally, the legacy pot will include assets for distribution to loved ones when I'm no longer around.<h2>Yu Zhen</h2>Having multiple income flows such as investment, rental income are definitely something to work towards. What about for members who may not have the extra income to start with?<h2>Lorna</h2>For those who have limited financial resources and limited capacity to take investment risks. The worst case scenario is to lose the little that they have. I believe the safest and most viable approach is to rely on CPF to build their nest egg. I would encourage them to understand how to maximise CPF schemes, such as the Matched Retirement Savings Scheme, and the new Majulah Package Earn &amp; Save Bonus. Also, do contribute to CPF special account and retirement account through the CPF Retirement Sum Topping-Up Scheme to leverage the risk free interest rates and reap the benefits of compounding over time. Use tools like the DBS Your CPF feature to project their CPF payouts in the future against the estimated retirement sums of their age cohort. Other tools include CPF planner, and the CPF LIFE estimator to determine which CPF LIFE plan is suitable. Besides maximising the CPF schemes, they can consider investing surplus cash savings in suitable insurance plans and a diversified portfolio of investments that are aligned with the objectives risk profile and time horizon.<h2>Yu Zhen</h2>In addition to CPF and other financial products. I personally also think that it is important that we have cash on hand so that we are always ready for unexpected expenses. I will set aside about six times of monthly expenses for this and we'll continue to do so even when I'm retired.<h2>Lorna</h2>Yes, like you said it's good to ensure liquidity at all times. When I'm retired, I would have about three to six months worth of expenses in cash plus a pot of cash alternatives of another six months of expenses that can be turned into cash within a short period of time. Liquid assets include Singapore Savings Bonds, fixed deposits and balances in higher interest yielding bank accounts and cash management accounts.<h2>Yu Zhen</h2>After setting aside funds for retirement, I find it quite difficult to do a whole 180 degrees to move into spending mode. So how do you deal with it?<h2>Lorna</h2>I started by understanding my own money personality and acknowledging that I am a saver, and that I have an ingrained habit of deferring gratification and making sacrifices for the future. For example, whenever I buy something, I have an inner voice that will ask, is this a need or a want? This is still happening for me today. So it's difficult for me to transit from a saving to a spending mode automatically, just because I have the means to do so now, I have to keep reminding myself that this is the future that I have been working so hard for, and I can afford to relax and spend more than my usual. So I believe if you have done your homework, simulated your income flows under different scenarios, for example, a higher inflation rate and a longer lifespan, and if the math shows that you are financially comfortable, then consider enjoying the fruits of your labour now.<h2>Yu Zhen</h2>So when is a good time to start enjoying the fruits of labour? So for CPF, our payout start age is between 65 and 70. Is there an ideal age to start drawing down? Or should we only do so when we stopped working completely?<h2>Lorna</h2>I realised that to get the most out of life, the three basics that we need to have health, time and money. But for most people, these three seldom come together. When we are younger, most of us will have good health, more free time, but less money. At 65, we may have more money than 45. But our ability to do physical activities is diminished even if we are in great health. This is why I have redefined when my golden years are. They would include a good mix of health and wealth and be the period of maximum potential enjoyment. So these will be the years when I should be spending on what I value or bring happiness instead of delaying gratification and hoarding assets.<h2>Yu Zhen</h2>Thinking of retirement age in terms of the three basics is actually quite a fresh take. I've never thought of it this way. Most of the people I know work as long as they are able to which I understand because work is kind of like an anchor in their life. So it's nice that you have defined retirement like this.<h2>Lorna</h2>I believe that retirement age is not any single absolute number age we should aim towards. Rather this means that for those who have planned well, they ought to start spending their wealth instead of waiting till the CPF payout start age. Drawing down from your financial resources in your redefined golden years doesn't mean that you need to stop working. I like to think of it as easing into retirement in phases whenever we are financially ready, even before the official retirement age by starting to spend more than usual.<h2>Yu Zhen</h2>Spending more than usual even before retiring seems like quite an unconventional take.<h2>Lorna</h2>You can do this in a controlled manner. For instance, make a conscious effort to spend X amount each month or year of the spent budget that you have set aside for this stage of financial freedom. Personally, it doesn't mean having to spend on myself all the time, because I still stick to a simple lifestyle. But my spend can be in terms of better self care, creating memories by giving more treats to loved ones and friends and donating to charity.<h2>Yu Zhen</h2>Before we go, can we hear from you how your retirement plans have changed as you move through life? I personally believe that our financial or retirement planning journey is an iterative process. And being agile is important as we respond quickly to market and policy changes, but also reviewing plans with respect to personal needs as we move through life from new relationships and have different priorities. So Lorna, how have your retirement plans change over the years?<h2>Lorna</h2>One significant milestone in the last five years was turning 55 and having a CPF retirement account. I've been planning for retirement or financial freedom since my 30s. So when I turned 55, and as I moved nearer to my retirement, it is exciting to put into place a system of multiple income flows to fund my golden years with the foundation made up of CPF income flows. I have been topping up my CPF retirement account to the prevailing enhanced retirement sum each year after turning 55.This will mean higher - 6 - monthly CPF LIFE payouts of about $2,300 when I turn 65. I still have a healthy balance in my special account that attracts at least 4% interest per annum. My plan is to use it like an ATM. I will withdraw just the interest component every year, leaving the principal amount in the special account. During the last five years, I paid up my housing loan and car loan so I became debt free. All this time, I continue to stay invested in equities for potentially higher capital appreciation in the future.<h2>Yu Zhen</h2>What about health care and legacy planning?<h2>Lorna</h2>I'm glad you asked this. As part of retirement planning, long term care and legacy planning are important focus areas. I'm enrolled in CareShield Life, and I've also reviewed my will, CPF nominations and the lasting power of attorney. I encourage everyone to get started on estate planning if you have not done so. Besides the financial aspects of retirement, it's important to understand what's your life purpose, and also what you hope to accomplish during your retirement? Well, I plan to spend more time with my aging parents, travel, exercise, and learn how to cook. I've also realised that there are advantages to sticking to a more structured lifestyle and keeping to a routine. I will continue to contribute to the financial literacy space, and stay engaged with the community for mental stimulation via projects and part time work such as workshops and lecturing.<h2>Yu Zhen</h2>Thank you so much, Lorna for sharing these useful tips for decumulation today.<h2>Lorna</h2>Thank you, Yu Zhen. Happy to share!<h2>Yu Zhen</h2>And here are some key takeaways from this session. We can consider a multi prong approach to retire well by redefining your golden years. Empower yourself with financial knowledge, inculcate this discipline to exercise and eat well, and understand what gives you purpose in your life. And with that you have been listening to Let's Talk CPF.

CPF Board

Hey and welcome to Let's Talk CPF, a podcast where we bring conversations on CPF to your ears. Brought to you by the CPF Board, this podcast will answer common questions, offer tips, and feature interviews with industry experts on CPF and financial planning. Thanks for listening, and let's get straight into today's episode.

Yu Zhen

Hello, I'm Yu Zhen from CPF Board, and today we are delving deeper into retirement adequacy and planning for it, specifically for decumulation. We all know we have to save and plan to secure financial security for our retirement. This is known as the accumulation phase, where not only do we work, we also make our money work harder to beat inflation and harness the power of compounding. But when we retire, we need to move our focus from accumulating wealth to starting to draw down from our retirement funds. This is the decumulation phase, and we're excited to have Lorna Tan from DBS join us today to share her expertise on effective decumulation. Lorna is a seasoned financial educator and is currently Head of Financial Planning Literacy at DBS bank. Beyond her day job at the bank, she also educates young adults at the NUS business school as an adjunct professor on personal finance and is a best selling author of four books on financial literacy. Hello, Lorna!

Lorna

Hello Yu Zhen, I'm happy to be here today and excited to talk about retirement planning. Decumulation is not merely about spending wisely, but also converting assets into income streams. As you may know, our life expectancies are increasing. So lifelong income streams are an extremely important part of retirement planning.

Yu Zhen

Can you elaborate more on what you mean by lifetime income streams and how can we obtain it?

Lorna

Effective the accumulation goes beyond receiving monthly payouts from the CPF LIFE annuity scheme. It also includes converting our assets into income streams, some of which would be lifelong. Doing so helps to mitigate against longevity and inflation risks and ensures that I do not outlive my nest egg. As I got closer to retirement, I started building multiple income streams. They include annuity payouts, regular coupon payouts from bonds, dividends from REITs and unit trusts, payouts from income funds, rental income and other investments.

Yu Zhen

But to convert to income streams, we should first go back to the fundamentals of retirement and financial planning, which to me means planning early for my retirement, being a disciplined saver, and constantly upskilling with financial knowledge. We should also understand what we want our retirement lifestyle to look like and how much money we need to support this. Do you have any tips on this, Lorna?

Lorna

I did begin planning in this manner. I started by imagining what my retirement lifestyle will be. I was in my 30s back then. So it was difficult to visualise and project accurately into the future. I found that what made it easier was to plan based on three retirement lifestyles of basic, moderate and luxurious. Back then I used an Excel spreadsheet and quantified the needs and wants and expenses for each lifestyle on the left side of the spreadsheet and review them every year. On the right side of the spreadsheet, I worked out the details of my financial resources such as income savings, CPF, insurance, investments, and others that can be used to meet the expenses.

Yu Zhen

And for those of us who don't want to use Excel, you can also check out the CPF planner, where you can input retirement goals and from there, it will tell you how much more you need in your CPF to achieve your retirement goals. You can find it on our CPF website.

Lorna

Yeah, there weren't any digital financial tools back then.

Yu Zhen

So being in CPF board right retirement planning has always been at the forefront of my mind. But for everyone else, I can imagine how it is very easy to get swept up with live with encounters that steer you away from your goals. So how do you keep yourself on track?

Lorna

Financial Security has always been a top priority for me. During my younger days, I focused on accumulating as much wealth as I can, based on my financial circumstances, risk profile and time horizon. That was my accumulation phase. As I reached my 50s, I built guaranteed and non-guaranteed income flows to fund my future expenses and managed my liabilities so that the housing loan would have been paid up by the time I reach my 50s. Doing so offers greater clarity on how much I require for my retirement.

Yu Zhen

I have heard some say that they don't know how much they need when they are older. How do you even quantify your expenses?

Lorna

I mentioned earlier that I worked out the needs and wants and the likely expenses for three retirement lifestyles, and it is prudent to review this regularly. I realized that as you get older and as circumstances change some wants become needs. For example, we had to stay home during the height of the COVID outbreak, and I started watching Netflix for entertainment. Since then, Netflix went from a want to a need.

Yu Zhen

For me too, traveling has become some sort of a need. I cannot imagine not traveling at least once a year. So how do you ensure there's enough savings to last for as long as the person lives?

Lorna

To ensure that I have enough to last my lifetime, I have to work out my must have income floor. This is the minimum monthly income or my must have amount to fund my needs. They should ideally be funded via more stable income flows, such as CPF LIFE payouts, annuity or retirement income insurance payouts and bond coupons regardless of the state of the economy and whether the market is up or down. I also realised that the older I get the more risk averse I become. Although I have the capacity and capability to take a more investment risk, the need to do so reduces over the years as more wealth is accumulated. This lower risk profile is reflected in a higher must have income floor. It will definitely cover all of my needs and some of my wants too.

Yu Zhen

I see that you mentioned that your must have income floor became higher as you adjusted your aspirations, and as you move to some wants to needs. So do we need to regularly review our retirement plans as we progress in life?

Lorna

Yes, and with inflation, our must have income floor will definitely change as well. So we need to stress test our financial planning. To achieve my desired higher must have income floor, I have accumulated sufficient financial resources to invest in safer products. This is reflected in a higher concentration in fixed income products in my portfolio as I got older. By planning for retirement early and reviewing it every year, I'm able to better allocate my savings into suitable investments to close the gaps.

Yu Zhen

Would you mind sharing your strategies for obtaining income in retirement?

Lorna

I have been focusing on building multiple income streams and they sit in these four pots. They are the decumulation, preservation, growth and legacy. For the decumulation pot, I will be drawing down my investments in this pot till they are depleted. They include payouts from CPF LIFE, supplementary retirement scheme withdrawals and insurance policies. In the preservation pot, the income flows will come from dividends, cash payouts, yields and rental income while keeping the capital some or principal amount intact. The investments include bonds, blue chip shares, REITs, income funds and real estate. The growth pot will comprise long term investments for more variable ones, as I'm looking forward to potentially higher returns in the future. Finally, the legacy pot will include assets for distribution to loved ones when I'm no longer around.

Yu Zhen

Having multiple income flows such as investment, rental income are definitely something to work towards. What about for members who may not have the extra income to start with?

Lorna

For those who have limited financial resources and limited capacity to take investment risks. The worst case scenario is to lose the little that they have. I believe the safest and most viable approach is to rely on CPF to build their nest egg. I would encourage them to understand how to maximise CPF schemes, such as the Matched Retirement Savings Scheme, and the new Majulah Package Earn & Save Bonus. Also, do contribute to CPF special account and retirement account through the CPF Retirement Sum Topping-Up Scheme to leverage the risk free interest rates and reap the benefits of compounding over time. Use tools like the DBS Your CPF feature to project their CPF payouts in the future against the estimated retirement sums of their age cohort. Other tools include CPF planner, and the CPF LIFE estimator to determine which CPF LIFE plan is suitable. Besides maximising the CPF schemes, they can consider investing surplus cash savings in suitable insurance plans and a diversified portfolio of investments that are aligned with the objectives risk profile and time horizon.

Yu Zhen

In addition to CPF and other financial products. I personally also think that it is important that we have cash on hand so that we are always ready for unexpected expenses. I will set aside about six times of monthly expenses for this and we'll continue to do so even when I'm retired.

Lorna

Yes, like you said it's good to ensure liquidity at all times. When I'm retired, I would have about three to six months worth of expenses in cash plus a pot of cash alternatives of another six months of expenses that can be turned into cash within a short period of time. Liquid assets include Singapore Savings Bonds, fixed deposits and balances in higher interest yielding bank accounts and cash management accounts.

Yu Zhen

After setting aside funds for retirement, I find it quite difficult to do a whole 180 degrees to move into spending mode. So how do you deal with it?

Lorna

I started by understanding my own money personality and acknowledging that I am a saver, and that I have an ingrained habit of deferring gratification and making sacrifices for the future. For example, whenever I buy something, I have an inner voice that will ask, is this a need or a want? This is still happening for me today. So it's difficult for me to transit from a saving to a spending mode automatically, just because I have the means to do so now, I have to keep reminding myself that this is the future that I have been working so hard for, and I can afford to relax and spend more than my usual. So I believe if you have done your homework, simulated your income flows under different scenarios, for example, a higher inflation rate and a longer lifespan, and if the math shows that you are financially comfortable, then consider enjoying the fruits of your labour now.

Yu Zhen

So when is a good time to start enjoying the fruits of labour? So for CPF, our payout start age is between 65 and 70. Is there an ideal age to start drawing down? Or should we only do so when we stopped working completely?

Lorna

I realised that to get the most out of life, the three basics that we need to have health, time and money. But for most people, these three seldom come together. When we are younger, most of us will have good health, more free time, but less money. At 65, we may have more money than 45. But our ability to do physical activities is diminished even if we are in great health. This is why I have redefined when my golden years are. They would include a good mix of health and wealth and be the period of maximum potential enjoyment. So these will be the years when I should be spending on what I value or bring happiness instead of delaying gratification and hoarding assets.

Yu Zhen

Thinking of retirement age in terms of the three basics is actually quite a fresh take. I've never thought of it this way. Most of the people I know work as long as they are able to which I understand because work is kind of like an anchor in their life. So it's nice that you have defined retirement like this.

Lorna

I believe that retirement age is not any single absolute number age we should aim towards. Rather this means that for those who have planned well, they ought to start spending their wealth instead of waiting till the CPF payout start age. Drawing down from your financial resources in your redefined golden years doesn't mean that you need to stop working. I like to think of it as easing into retirement in phases whenever we are financially ready, even before the official retirement age by starting to spend more than usual.

Yu Zhen

Spending more than usual even before retiring seems like quite an unconventional take.

Lorna

You can do this in a controlled manner. For instance, make a conscious effort to spend X amount each month or year of the spent budget that you have set aside for this stage of financial freedom. Personally, it doesn't mean having to spend on myself all the time, because I still stick to a simple lifestyle. But my spend can be in terms of better self care, creating memories by giving more treats to loved ones and friends and donating to charity.

Yu Zhen

Before we go, can we hear from you how your retirement plans have changed as you move through life? I personally believe that our financial or retirement planning journey is an iterative process. And being agile is important as we respond quickly to market and policy changes, but also reviewing plans with respect to personal needs as we move through life from new relationships and have different priorities. So Lorna, how have your retirement plans change over the years?

Lorna

One significant milestone in the last five years was turning 55 and having a CPF retirement account. I've been planning for retirement or financial freedom since my 30s. So when I turned 55, and as I moved nearer to my retirement, it is exciting to put into place a system of multiple income flows to fund my golden years with the foundation made up of CPF income flows. I have been topping up my CPF retirement account to the prevailing enhanced retirement sum each year after turning 55.

This will mean higher - 6 - monthly CPF LIFE payouts of about $2,300 when I turn 65. I still have a healthy balance in my special account that attracts at least 4% interest per annum. My plan is to use it like an ATM. I will withdraw just the interest component every year, leaving the principal amount in the special account. During the last five years, I paid up my housing loan and car loan so I became debt free. All this time, I continue to stay invested in equities for potentially higher capital appreciation in the future.

Yu Zhen

What about health care and legacy planning?

Lorna

I'm glad you asked this. As part of retirement planning, long term care and legacy planning are important focus areas. I'm enrolled in CareShield Life, and I've also reviewed my will, CPF nominations and the lasting power of attorney. I encourage everyone to get started on estate planning if you have not done so. Besides the financial aspects of retirement, it's important to understand what's your life purpose, and also what you hope to accomplish during your retirement? Well, I plan to spend more time with my aging parents, travel, exercise, and learn how to cook. I've also realised that there are advantages to sticking to a more structured lifestyle and keeping to a routine. I will continue to contribute to the financial literacy space, and stay engaged with the community for mental stimulation via projects and part time work such as workshops and lecturing.

Yu Zhen

Thank you so much, Lorna for sharing these useful tips for decumulation today.

Lorna

Thank you, Yu Zhen. Happy to share!

Yu Zhen

And here are some key takeaways from this session. We can consider a multi prong approach to retire well by redefining your golden years. Empower yourself with financial knowledge, inculcate this discipline to exercise and eat well, and understand what gives you purpose in your life. And with that you have been listening to Let's Talk CPF.

We have spent most of our lives saving for retirement. But when retirement draws near, many of us do not know where and how to start enjoying the fruits of our labour. 

How do we switch from being a saver to a spender

We have spent most of our lives saving for retirement. But when retirement draws near, many of us do not know where and how to start enjoying the fruits of our labour.

Effective Decumulation - How do we switch from
being a saver to a spender

<div class="iframe-wrapper"><iframe src="https://www.youtube.com/embed/_GQZf4BrMmU?feature=oembed" width="640" height="360" frameborder="0" allowfullscreen="true"></iframe></div>Economists have downgraded Singapore's 2023 growth forecasts and inflation expectations, according to a recent survey by the country's central bank, with spillovers from an external growth slowdown cited as the top risk. So what does the road ahead look like for the Lion City? Can the country's equity and bond markets roar again?Join us for an exclusive event for SingCapital valued clients where we will have 2 seasoned, professional portfolio managers from Nikko Asset Management share their thoughts on the following topics:<h3>Invite your valued Clients to a 3-course western dinner where they are able to listen from the expert views of:</h3>Agenda and Speaker Line-Up6:30 PM – Registration starts7:00 PM – Opening address.Alfred Chia, CEO (Sing Capital)7:20 PM – Navigating in a V.U.C.A (Volatile. Uncertain. Complex. Ambiguous) global environment with fixed income strategies.Bertram Sarmago, Investment Director &amp; Portfolio Manager, Nikko Asset Management Asia Limited7:40 PM – STI – Under The Hood.Lai Yeu Huan, Joint Head of Asian Equity, Nikko Asset Management Asia Limited8:00 PM – Panel Discussion + Question &amp; Answer Session8:30 PM – End of Discussions. Transit to networking / finishing dinner.8.45PM -- Networking&nbsp;and&nbsp;mingle.<h3>Register Now!</h3>

Economists have downgraded Singapore's 2023 growth forecasts and inflation expectations, according to a recent survey by the country's central bank, with spillovers from an external growth slowdown cited as the top risk. So what does the road ahead look like for the Lion City? Can the country's equity and bond markets roar again?

Join us for an exclusive event for SingCapital valued clients where we will have 2 seasoned, professional portfolio managers from Nikko Asset Management share their thoughts on the following topics:

Invite your valued Clients to a 3-course western dinner where they are able to listen from the expert views of:

Agenda and Speaker Line-Up

6:30 PM – Registration starts

7:00 PM – Opening address.

Alfred Chia, CEO (Sing Capital)

7:20 PM – Navigating in a V.U.C.A (Volatile. Uncertain. Complex. Ambiguous) global environment with fixed income strategies.

Bertram Sarmago, Investment Director & Portfolio Manager, Nikko Asset Management Asia Limited

7:40 PM – STI – Under The Hood.

Lai Yeu Huan, Joint Head of Asian Equity, Nikko Asset Management Asia Limited

8:00 PM – Panel Discussion + Question & Answer Session

8:30 PM – End of Discussions. Transit to networking / finishing dinner.

8.45PM -- Networking and mingle.

Register Now!

Is the Singapore Market Still Worth Investing In?

Is the Singapore Market Still Worth Investing In?

Investment Seminar
Wednesday
08 November, 2023

The speaker is an entrepreneur who has done business across several different industries in Asia over the span of two decades. He has deep insights into how businesses are conducted in Asia as well as the shift in consumers’ and investors’ sentiments in light of the geopolitical and economic tensions among the superpowers. In recent years, he has started a new venture to bring in foreign students from Asian countries, particularly China. What was initially thought to be a semi-retirement business has now turned out to be more profitable than some of his earlier ventures.In this session, you will learn:1. What is so attractive about the Singapore Education system to a foreigner. ie. Pull factor2. What is happening back in their home country that is detrimental to the next generation. ie. Push factor3. Various options and paths available for foreigners seeking to study in Singapore and their challenges.4. What are their ultimate objectives in Singapore and how it took a drastic change post-Covid (reasons why you must strike while it’s hot)5. What are the long-term needs (wealth management and real estate) of these students and their immediate family<h2>When: 15th August 2023 - 10am</h2><h2>Venue: Blk 190 #02-510 TOA PAYOH LOR 6 S (310190)</h2><h2>Speaker: Mr. Low H Y, Edupreneur</h2><h2>Registration fee for non-SAMP mastermind member: $50</h2>

The speaker is an entrepreneur who has done business across several different industries in Asia over the span of two decades. He has deep insights into how businesses are conducted in Asia as well as the shift in consumers’ and investors’ sentiments in light of the geopolitical and economic tensions among the superpowers. In recent years, he has started a new venture to bring in foreign students from Asian countries, particularly China. What was initially thought to be a semi-retirement business has now turned out to be more profitable than some of his earlier ventures.

In this session, you will learn:

1. What is so attractive about the Singapore Education system to a foreigner. ie. Pull factor

2. What is happening back in their home country that is detrimental to the next generation. ie. Push factor

3. Various options and paths available for foreigners seeking to study in Singapore and their challenges.

4. What are their ultimate objectives in Singapore and how it took a drastic change post-Covid (reasons why you must strike while it’s hot)

5. What are the long-term needs (wealth management and real estate) of these students and their immediate family

When: 15th August 2023 - 10am

Venue: Blk 190 #02-510 TOA PAYOH LOR 6 S (310190)

Speaker: Mr. Low H Y, Edupreneur

Registration fee for non-SAMP mastermind member: $50

The Attraction of Singapore’s Education System for Chinese Parents

Unveiling the Secrets: The Attraction of Singapore’s Education System for Chinese Parents

<figure><a href="https://cdn.bloghunch.com/uploads/6wOruguRJp28ZgLA.webp"><img src="https://cdn.bloghunch.com/uploads/6wOruguRJp28ZgLA.webp" mediatype="img" alt="invest-asia-property-show" width="800" height="504" dataalign="left" caption="" link="" class=""></a></figure>When: Saturday, 29 &amp; 30 July 2023Time: 2:45pm- 3:15pmVenue: Melati Ballroom, Level 4. Marina Bay Sands Expo &amp; Convention CentreSpeaker: Alfred Chia, Ceo of SingCapital<figure><a href="https://cdn.bloghunch.com/uploads/FgghBcRZRnbt8FBD.webp"><img src="https://cdn.bloghunch.com/uploads/FgghBcRZRnbt8FBD.webp" mediatype="img" alt="Speaker-CEO-of-SingCapital-Alfred-Chia" width="800" height="600" dataalign="left" caption="" link="" class=""></a></figure>In the event, Alfred Chia discusses the inflation rate, specifically the US inflation. According to him, The USA inflation rate has reached a high of 9.1%, the highest in their history.<figure><a href="https://cdn.bloghunch.com/uploads/qBUcEBGSoFX0ICNs.webp"><img src="https://cdn.bloghunch.com/uploads/qBUcEBGSoFX0ICNs.webp" mediatype="img" alt="US-inflation-rates" width="800" height="504" dataalign="left" caption="" link="" class=""></a></figure>Over the last 40 years, the US Federal Reserve has been raising interest rates, starting from near zero and currently reaching 5.25% to 5.5%, which is the highest rate in a long time. This increase in interest rates is a response to the alarming inflation and a major concern for the country.

When: Saturday, 29 & 30 July 2023

Time: 2:45pm- 3:15pm

Venue: Melati Ballroom, Level 4. Marina Bay Sands Expo & Convention Centre

Speaker: Alfred Chia, Ceo of SingCapital

In the event, Alfred Chia discusses the inflation rate, specifically the US inflation. According to him, The USA inflation rate has reached a high of 9.1%, the highest in their history.

Over the last 40 years, the US Federal Reserve has been raising interest rates, starting from near zero and currently reaching 5.25% to 5.5%, which is the highest rate in a long time. This increase in interest rates is a response to the alarming inflation and a major concern for the country.

Double-Edged Sword: Singaporean Dollar against Overseas Properties

<figure><a href="https://cdn.bloghunch.com/uploads/khPeL5bmlXgUFAfj.webp"><img src="https://cdn.bloghunch.com/uploads/khPeL5bmlXgUFAfj.webp" mediatype="img" alt="Impact-of-recent-singapore-budget-and-rising-interest-rates" width="714" height="449.82000000000005" dataalign="center" caption="" link="" class="image-center"></a></figure><h2>Purpose of the event</h2>We aim to empower every individual with comprehensive awareness regarding the key policy changes from the Singapore budget that are set to impact investors significantly. Additionally, we strive to equip them with the necessary knowledge and tools to adeptly navigate the challenges arising from the inevitable surge in interest rates.Event date: May 17,2023 – 3:00-5:00pmVenue: HuttonsTrainer: Alfred Chia CEO of SingCapital

Purpose of the event

We aim to empower every individual with comprehensive awareness regarding the key policy changes from the Singapore budget that are set to impact investors significantly. Additionally, we strive to equip them with the necessary knowledge and tools to adeptly navigate the challenges arising from the inevitable surge in interest rates.

Event date: May 17,2023 – 3:00-5:00pm

Venue: Huttons

Trainer: Alfred Chia CEO of SingCapital

Impact of Singapore Budget & Rising Interest Rates on Investors | SingCapital

Impact of Recent Singapore Budget and rising interest rates for investors

<figure><a href="https://cdn.bloghunch.com/uploads/nQPCGJXcI2kSpO4T.webp"><img src="https://cdn.bloghunch.com/uploads/nQPCGJXcI2kSpO4T.webp" mediatype="img" alt="Property-financing-workshop" width="800" height="600" dataalign="center" caption="" link="" class="image-center"></a></figure><h2>About the workshop</h2>In light of the current environment of increasing interest rates and stricter credit policies by banks, it is imperative to undertake a comprehensive evaluation of credit loan options and devise effective property financing strategies to promote asset growth.<h2>Purpose of the workshop</h2><ul><li>To understand TDSR to secure home loan</li><li>To understand how your credit record can affect your loan</li><li>How to use financial assets to get higher housing loan</li><li>How to use CPF to invest in property</li><li>Learn the tax planning for residential and commercial property investment</li><li>Learn the five important factors for prudent financial planning to own your properties</li></ul><h3>Event date: May 13,2023 – 9:30-12:30pm</h3><h3>Venue: LMA training centre 190 lorong 6, Toa Payoh</h3><h3>Trainer: Alfred Chia CEO of SingCapital</h3>

About the workshop

In light of the current environment of increasing interest rates and stricter credit policies by banks, it is imperative to undertake a comprehensive evaluation of credit loan options and devise effective property financing strategies to promote asset growth.

Purpose of the workshop

To understand TDSR to secure home loan

To understand how your credit record can affect your loan

How to use financial assets to get higher housing loan

How to use CPF to invest in property

Learn the tax planning for residential and commercial property investment

Learn the five important factors for prudent financial planning to own your properties

Event date: May 13,2023 – 9:30-12:30pm

Venue: LMA training centre 190 lorong 6, Toa Payoh

Trainer: Alfred Chia CEO of SingCapital

Property Financing Workshop

<h2>Purpose of the event</h2>SingCapital will be holding our Investment Outlook Seminar 2020 on 8th February 2020, Saturday!Do join us in this annual seminar and hear from our expert speakers on whether if this is the right time to invest amidst the US-China trade tensions and updates on the Singapore Property Market.<h3>Where are the investment opportunities?</h3><ul><li>What are the risks?</li><li>Impact of lowering interest rate</li><li>Singapore Property Market</li><li>Financial strategies for Chinese Zodiac Year of Rat!</li></ul><h3>Details of the Seminar:</h3> Date: 8th February 2020, Saturday Time: 2pm to 5pm, registration starts from 1.30pm Venue: Lifelong Learning Institute (Event Hall 1-1 and 1-2), 3 mins from Paya Lebar MRT Address: 11 Eunos Road 8, S 408601 Admission Fee: $20

Purpose of the event

SingCapital will be holding our Investment Outlook Seminar 2020 on 8th February 2020, Saturday!

Do join us in this annual seminar and hear from our expert speakers on whether if this is the right time to invest amidst the US-China trade tensions and updates on the Singapore Property Market.

Where are the investment opportunities?

What are the risks?

Impact of lowering interest rate

Singapore Property Market

Financial strategies for Chinese Zodiac Year of Rat!

Details of the Seminar:


Date: 8th February 2020, Saturday
Time: 2pm to 5pm, registration starts from 1.30pm
Venue: Lifelong Learning Institute (Event Hall 1-1 and 1-2), 3 mins from Paya Lebar MRT
Address: 11 Eunos Road 8, S 408601
Admission Fee: $20




SingCapital Investment Outlook Seminar 2020

<h2>Purpose of the event</h2>Many property owners make use of CPF for their property purchase. It will be important for Real Estate Salespersons to understand the various CPF policies that will impact their property purchase.Join us and CPF Board at this seminar to get latest updates and clarification on CPF policies for property purchases.Highlights of the talk:<ul><li>Latest Guidelines on the use of CPF for property purchase</li><li>Use of CPF for multiple properties purchase</li><li>Calculation of required CPF refunds for above age 55</li><li>Maximizing CPF for Self-Employed</li><li>Important Financial Planning Strategies for Home Owners</li><li>Q&amp;A session with CPF Officer</li></ul><h3>Speakers:</h3> Mr Wong Koon Yin Assistant Director (Outreach and Partnership) Central Provident Fund BoardMr Alfred Chia CEO, SingCapital Pte Ltd<h3>Event date: October 8,2019 – 1:30-5:00pm</h3><h3>Venue: Event halls and trainings Rooms, lifelong learning institute, 11 Eunos road 8 Singapore</h3>

Purpose of the event

Many property owners make use of CPF for their property purchase. It will be important for Real Estate Salespersons to understand the various CPF policies that will impact their property purchase.

Join us and CPF Board at this seminar to get latest updates and clarification on CPF policies for property purchases.

Highlights of the talk:

Latest Guidelines on the use of CPF for property purchase

Use of CPF for multiple properties purchase

Calculation of required CPF refunds for above age 55

Maximizing CPF for Self-Employed

Important Financial Planning Strategies for Home Owners

Q&A session with CPF Officer

Speakers:


Mr Wong Koon Yin
Assistant Director (Outreach and Partnership) Central Provident Fund Board

Mr Alfred Chia
CEO, SingCapital Pte Ltd

Event date: October 8,2019 – 1:30-5:00pm

Venue: Event halls and trainings Rooms, lifelong learning institute, 11 Eunos road 8 Singapore




CPF Policies which can Impact Property Purchase

<h2>Purpose of the event</h2>In this Seminar, you will learn and understand the various CPF schemes to maximise your CPF such as:<ol><li>CPF Life – How to maximise the life time pay check from this scheme!</li><li>CPF to invest in 2nd Property – How to leverage on this? Can I share with unrelated friends?</li><li>CPF Medishield Life – Can I rely on this for my family hospital care?</li></ol><h2>About the Speaker:</h2> Alfred is the CEO of SingCapital which is a Financial Advisory firm licensed by Monetary Authority of Singapore (MAS).He has more than 25 years of experience in the financial advisory field serving both individuals and corporations. He also sits on the board of various real estate funds as independent director and advisory board member. He is currently serving as the President of Financial Planning Association of Singapore (FPAS)His insights and perspectives on various financial matters are regularly interviewed by numerous media channels from radio to TV.Alfred’s passion to share has also prompted him to author 3 books, ‘Mortgage and Grow Rich’, ‘Grow Rich Singapore Style’ and ‘Last Wishes’. The books are dedicated to holistic financial planning towards financial well beings.Date: 10th July 2019 (Wednesday) Time: Registration starts at 6.30 pm, and will begin by 7 pm sharp Venue: Presentation Room 250 North Bridge Road #06-00, Raffles City Tower Singapore 179101

Purpose of the event

In this Seminar, you will learn and understand the various CPF schemes to maximise your CPF such as:

CPF Life – How to maximise the life time pay check from this scheme!

CPF to invest in 2nd Property – How to leverage on this? Can I share with unrelated friends?

CPF Medishield Life – Can I rely on this for my family hospital care?

About the Speaker:


Alfred is the CEO of SingCapital which is a Financial Advisory firm licensed by Monetary Authority of Singapore (MAS).

He has more than 25 years of experience in the financial advisory field serving both individuals and corporations.
He also sits on the board of various real estate funds as independent director and advisory board member.
He is currently serving as the President of Financial Planning Association of Singapore (FPAS)

His insights and perspectives on various financial matters are regularly interviewed by numerous media channels from radio to TV.

Alfred’s passion to share has also prompted him to author 3 books, ‘Mortgage and Grow Rich’, ‘Grow Rich Singapore Style’ and ‘Last Wishes’. The books are dedicated to holistic financial planning towards financial well beings.

Date: 10th July 2019 (Wednesday)
Time: Registration starts at 6.30 pm, and will begin by 7 pm sharp
Venue: Presentation Room
250 North Bridge Road
#06-00, Raffles City Tower
Singapore 179101




How to manage your CPF effectively?

<h2>Purpose of the event</h2>2018 has been a turbulent year for many investors, with global financial markets receiving many surprises from interest rate and trade tariff hikes. Let our experts help you to stay ahead of your investment journey.We have assembled 6 top financial &amp; property influencers from CIMB, SingCapital, Propnex, Societe Generale, iBillionaire and China Galaxy International Galaxy. These experts would give you a preview of 2019 trends and outlook. RSVP now to gain insights into the investment opportunities in Singapore, the United States, China and Hong Kong.Join us for a preview of 2019 trends and outlook to empower your business in the new year!Key Sharings to start your 2019 investment:<ol><li>Emerging markets – Is it time to invest?</li><li>What you should do in risky periods – trade wars, the global growth slowdown</li><li>Rising interest rates and the possible impacts</li><li>Find out if en-bloc deals are fizzling out after the last hike on Additional Buyer’s Stamp Duty</li><li>How you can seek opportunities in Property investment in Singapore despite the cooling measures</li></ol>Equip with market knowledge to make better inform decisions on that might impact their financial situation or portfolio.<h3>Event date: January 12,2019 – 10:00am-2:00pm</h3><h3>Venue: School of the Arts, Singapore</h3><h3>Trainer: Team CIMB</h3>

Purpose of the event

2018 has been a turbulent year for many investors, with global financial markets receiving many surprises from interest rate and trade tariff hikes. Let our experts help you to stay ahead of your investment journey.

We have assembled 6 top financial & property influencers from CIMB, SingCapital, Propnex, Societe Generale, iBillionaire and China Galaxy International Galaxy. These experts would give you a preview of 2019 trends and outlook. RSVP now to gain insights into the investment opportunities in Singapore, the United States, China and Hong Kong.

Join us for a preview of 2019 trends and outlook to empower your business in the new year!

Key Sharings to start your 2019 investment:

Emerging markets – Is it time to invest?

What you should do in risky periods – trade wars, the global growth slowdown

Rising interest rates and the possible impacts

Find out if en-bloc deals are fizzling out after the last hike on Additional Buyer’s Stamp Duty

How you can seek opportunities in Property investment in Singapore despite the cooling measures

Equip with market knowledge to make better inform decisions on that might impact their financial situation or portfolio.

Event date: January 12,2019 – 10:00am-2:00pm

Venue: School of the Arts, Singapore

Trainer: Team CIMB




2019 Global Investment Outlook with CGSCIMB

<h2>Impact of EN Bloc Sales</h2><h3>Purpose of the event </h3>En Bloc sales are strong in 2017 crossing the S$9 Billion mark. This have impacted property owners and investors in significant ways. Do not miss out investment outlook seminar where we will answer the many questions from property owners and investors.This seminar not to be missed where our expert speakers will address the questions and analyse;<ul><li>Impact of EN bloc sales</li><li>Investment opportunities from ‘EN bloc sales’</li><li>Singapore Property Market Outlook</li><li>Creating effective investment portfolio strategies</li></ul><h3>Event date: February 10,2018 – 1:45-5:00pm</h3><h3>Venue: Lifelong Learning Institute</h3><h3>Trainer: Alfred Chia CEO of SingCapital, Mr. Ismail Gafoor and Mr. Vikrant Pandey</h3>

Impact of EN Bloc Sales

Purpose of the event


En Bloc sales are strong in 2017 crossing the S$9 Billion mark. This have impacted property owners and investors in significant ways.
Do not miss out investment outlook seminar where we will answer the many questions from property owners and investors.

This seminar not to be missed where our expert speakers will address the questions and analyse;

Impact of EN bloc sales

Investment opportunities from ‘EN bloc sales’

Singapore Property Market Outlook

Creating effective investment portfolio strategies

Event date: February 10,2018 – 1:45-5:00pm

Venue: Lifelong Learning Institute

Trainer: Alfred Chia CEO of SingCapital, Mr. Ismail Gafoor and Mr. Vikrant Pandey

Investment Outlook 2018

Investment Outlook Seminar 2018

<h2>Opportunities of “CHANGE”</h2><h2>Purpose of the event</h2>2016 was a year of ‘CHANGE’ with events such as Britain’s Brexit and Donald Trump’s victory in the US Presidential Election. Anxiety levels amongst investors have seesawed along with the ups and downs in the market.OPEC and Non-OPEC countries have agreed to production cuts which have push oil prices pass the $50 mark after hovering between $26 and $50 for the past year. Looking at Q3/2016 year on year, private property transactions have increased by 15% but overall price has dropped by 3%.<h3>With all these ‘CHANGE’, how will it impact Equities, Bonds, Currencies, Commodities and Real Estate Markets?</h3>This is a seminar not to be missed where our Expert Speakers will analyse; • Investment Opportunities from ‘CHANGE’ • Impact of Rising in Interest Rates • Understanding Potential Risks • Singapore Property Market Outlook • Creating Effective Investment Portfolio Strategies&nbsp;<h3>Event date: January 14,2017 – 1:30-5:00pm</h3><h3>Venue: Lifelong learning Institue</h3><h3>Trainer: Alfred Chia CEO of SingCapital and Mohamed Ismail Gafoor CEO of Propnex</h3>

Opportunities of “CHANGE”

Purpose of the event

2016 was a year of ‘CHANGE’ with events such as Britain’s Brexit and Donald Trump’s victory in the US Presidential Election. Anxiety levels amongst investors have seesawed along with the ups and downs in the market.

OPEC and Non-OPEC countries have agreed to production cuts which have push oil prices pass the $50 mark after hovering between $26 and $50 for the past year. Looking at Q3/2016 year on year, private property transactions have increased by 15% but overall price has dropped by 3%.

With all these ‘CHANGE’, how will it impact Equities, Bonds, Currencies, Commodities and Real Estate Markets?

This is a seminar not to be missed where our Expert Speakers will analyse;


• Investment Opportunities from ‘CHANGE’
• Impact of Rising in Interest Rates
• Understanding Potential Risks
• Singapore Property Market Outlook
• Creating Effective Investment Portfolio Strategies 

Event date: January 14,2017 – 1:30-5:00pm

Venue: Lifelong learning Institue

Trainer: Alfred Chia CEO of SingCapital and Mohamed Ismail Gafoor CEO of Propnex

Investment Outlook 2017

Investment Outlook Seminar 2017

<h2>Purpose of the event</h2>For Investors who can stomach roller coaster rides, the China market has definitely put them through their paces. After rising by 154% from July 2014 to June 2015, it fell to prices that put Investors back where they started.The sudden devaluation of the Chinese Yuan then added to the uncertainty already plaguing the global market.Away from the Dragon, the Eagle of the West also added to Singaporean’s financial stress. With unceasing speculation that the US will hike up their interest rates, the expectations drove Singapore’s Interest and exchange rates to fluctuate.After close to 7 years of near zero rates, the US Federal Reserve has finally begin its road to interest rate normalisation when it hiked rates up to a range of 0.25% to 0.50% on 16th December 2015.<h3>How should Home Owners and Investors respond?</h3>At home, Property Investors have not seen easy days either. Since Q2/2012, our property transactions have fallen by 93%, while the overall property prices have eased by 8% since reaching a peak in Q3/2013.Will the downward local property trend continue?Do not miss this opportunity to come and learn from the experts, who will share their thoughts on: • The Impact of the rising Interest Rates; • The Impact of the strong Singapore Dollar; • The Outlook of the Property Market; and • Global Investment Opportunities for 2016<h3>Event date: January 16,2016 – 1:30-5:00pm</h3><h3>Venue: Lifelong learning Institue</h3><h3>Trainer: Alfred Chia CEO of SingCapital and Mohamed Ismail Gafoor CEO of Propnex</h3>

Purpose of the event

For Investors who can stomach roller coaster rides, the China market has definitely put them through their paces. After rising by 154% from July 2014 to June 2015, it fell to prices that put Investors back where they started.

The sudden devaluation of the Chinese Yuan then added to the uncertainty already plaguing the global market.

Away from the Dragon, the Eagle of the West also added to Singaporean’s financial stress. With unceasing speculation that the US will hike up their interest rates, the expectations drove Singapore’s Interest and exchange rates to fluctuate.

After close to 7 years of near zero rates, the US Federal Reserve has finally begin its road to interest rate normalisation when it hiked rates up to a range of 0.25% to 0.50% on 16th December 2015.

How should Home Owners and Investors respond?

At home, Property Investors have not seen easy days either. Since Q2/2012, our property transactions have fallen by 93%, while the overall property prices have eased by 8% since reaching a peak in Q3/2013.

Will the downward local property trend continue?

Do not miss this opportunity to come and learn from the experts, who will share their thoughts on:


• The Impact of the rising Interest Rates;
• The Impact of the strong Singapore Dollar;
• The Outlook of the Property Market; and
• Global Investment Opportunities for 2016

Event date: January 16,2016 – 1:30-5:00pm

Venue: Lifelong learning Institue

Trainer: Alfred Chia CEO of SingCapital and Mohamed Ismail Gafoor CEO of Propnex




Seizing opportunities with Rising Volatility

<h2>Purpose of the event</h2>We aim to share the secrets and strategies on how you can grow rich Singapore style with our three successful speacker of local entrepreneurs namely Alfred Chia CEO of SingCapital, Vinod Nair CEO of Moneysmart, Mohamed Ismail Gafoor CEO of Propnex<h3>Event date: August 30,2014 – 1:30-5:00pm</h3><h3>Venue: NTUC Auditorium, Marine boulevard</h3><h3>Trainer: Alfred Chia CEO of SingCapital, Vinod Nair CEO of Moneysmart, Mohamed Ismail Gafoor CEO of Propnex</h3>

Purpose of the event

We aim to share the secrets and strategies on how you can grow rich Singapore style with our three successful speacker of local entrepreneurs namely Alfred Chia CEO of SingCapital, Vinod Nair CEO of Moneysmart, Mohamed Ismail Gafoor CEO of Propnex

Event date: August 30,2014 – 1:30-5:00pm

Venue: NTUC Auditorium, Marine boulevard

Trainer: Alfred Chia CEO of SingCapital, Vinod Nair CEO of Moneysmart, Mohamed Ismail Gafoor CEO of Propnex





Grow Rich Singapore Style

Grow Rich Singapore Style
Wealth management seminar 2014

Now, Singapore today, with Lance Alexander and Daniel Martin, Singapore lender UoB saysit's lowering the interest rates for its flagship savings account from next month, makingit the first local bank to do so it comes as market expectations build up for the possibility of rate cuts.By the U.S. Federal Reserve in the next few months, UoB's one account provides tiered interestrates, similar to the flagship savings accounts offered by DBS and OCBC.What are the implications of this, our banks forecasting interest rate cuts in the future?Does this have implications for your housing loan as well?Getting insights from Alfred Chia CEO of SingCapital, a financial advisory firm.So this is interesting.You will be sent out the letter to its customers and may the announcement of their social pages as well.Is the first local bank to lower its interest rates for its savings account?What does this mean?Is this a sign that the lender is expecting the Fed to cut interest rates in the coming months?Well, if you take a step back to look at what is the bank's essential business, which is to land out their deposit.So therefore, they will always need to balance their cost of supply, which is the deposit.And then, of course, the loans that they can actually give it up to.And of course, one big chunk of the loans that banks give up to is housing loan.And the property transaction has actually been quite slow over the last few months.So this could also be an indication that the banks have too much deposit and they need to manage their costs.And at the same time, maybe they are not able to land out the deposit as much as they want to.Or they could be actually signaling that they are trying to start a very attractive loan package for homeowners.OK, so you will be the first one to jump.Do you think other banks in Singapore will follow suit?I think it all depends on the respective banks' strategies and whether they are ableto land out their deposit effectively to their targeted groups.I mean, in addition to housing loan generally, the business loan side has also been slow.Banks are a bit reluctant to land out to businesses because of certain uncertaintiesor certain sectors that were actually not able to fulfill the bank's requirements.So therefore, it's really something that we need to monitor.That's the macro perspective, Alfred.But on the individual level, people might be saying, I am going to be earning less money from my deposits.This is not very good.Like, what does it mean for the individual?Well, I think the banking sector is really very competitive.I mean, you will be would have their strategic reasons to making their cards.But there are also the new players like the digital banks.They are also offering very attractive deposit rates.And at the same time, they have less conditions, unlike the local banks.Because you need to do salary credit things.You need to swipe your credit cards, minimum amount.At the same time, you must purchase investment.So it may not actually get those kinds of interest rate that they publish.OK, a lot of people are hoping that the Fed will cut its rates in 2024, maybe three times.So do you think people should be waiting a little longer for a better bank interest rate if they want to borrow?Now, it's very difficult to predict the interest rate trend, right?I mean, of course, early this year, market consensus is that no Fed is going to cut threetimes in the second half of the years.But we have been actually questioning our clients, right?Not to put in too much of such expectation.Because inflation rate is still high in the US.And in fact, the February data has shown that yes, actually, each higher.So and of course, US Federal Reserve have also indicated that they are actually not in a hurry to cut the interest rate.So it's our opinion that this year interest rate will stay high.That could probably be one or two cards by the second half of the year, right, in orderfor them to, you know, engineer a soft landing of the economy.And I think the expectation of a big card, I think, is not very practical.Okay, Alfred Chia, he is CEO of SingCapital, which is a financial advisory firm.Before making any decisions based on the information in our programme, please consultyour own financial advisors to take into account your investment objectives, financialsituation and individual needs.source: <a target="_blank" rel="" href="https://www.channelnewsasia.com/listen/daily-cuts/impact-revised-interest-rates-bank-customers-4237156">CNA</a>

Now, Singapore today, with Lance Alexander and Daniel Martin, Singapore lender UoB says

it's lowering the interest rates for its flagship savings account from next month, making

it the first local bank to do so it comes as market expectations build up for the possibility of rate cuts.

By the U.S. Federal Reserve in the next few months, UoB's one account provides tiered interest

rates, similar to the flagship savings accounts offered by DBS and OCBC.

What are the implications of this, our banks forecasting interest rate cuts in the future?

Does this have implications for your housing loan as well?

Getting insights from Alfred Chia CEO of SingCapital, a financial advisory firm.

So this is interesting.

You will be sent out the letter to its customers and may the announcement of their social pages as well.

Is the first local bank to lower its interest rates for its savings account?

What does this mean?

Is this a sign that the lender is expecting the Fed to cut interest rates in the coming months?

Well, if you take a step back to look at what is the bank's essential business, which is to land out their deposit.

So therefore, they will always need to balance their cost of supply, which is the deposit.

And then, of course, the loans that they can actually give it up to.

And of course, one big chunk of the loans that banks give up to is housing loan.

And the property transaction has actually been quite slow over the last few months.

So this could also be an indication that the banks have too much deposit and they need to manage their costs.

And at the same time, maybe they are not able to land out the deposit as much as they want to.

Or they could be actually signaling that they are trying to start a very attractive loan package for homeowners.

OK, so you will be the first one to jump.

Do you think other banks in Singapore will follow suit?

I think it all depends on the respective banks' strategies and whether they are able

to land out their deposit effectively to their targeted groups.

I mean, in addition to housing loan generally, the business loan side has also been slow.

Banks are a bit reluctant to land out to businesses because of certain uncertainties

or certain sectors that were actually not able to fulfill the bank's requirements.

So therefore, it's really something that we need to monitor.

That's the macro perspective, Alfred.

But on the individual level, people might be saying, I am going to be earning less money from my deposits.

This is not very good.

Like, what does it mean for the individual?

Well, I think the banking sector is really very competitive.

I mean, you will be would have their strategic reasons to making their cards.

But there are also the new players like the digital banks.

They are also offering very attractive deposit rates.

And at the same time, they have less conditions, unlike the local banks.

Because you need to do salary credit things.

You need to swipe your credit cards, minimum amount.

At the same time, you must purchase investment.

So it may not actually get those kinds of interest rate that they publish.

OK, a lot of people are hoping that the Fed will cut its rates in 2024, maybe three times.

So do you think people should be waiting a little longer for a better bank interest rate if they want to borrow?

Now, it's very difficult to predict the interest rate trend, right?

I mean, of course, early this year, market consensus is that no Fed is going to cut three

times in the second half of the years.

But we have been actually questioning our clients, right?

Not to put in too much of such expectation.

Because inflation rate is still high in the US.

And in fact, the February data has shown that yes, actually, each higher.

So and of course, US Federal Reserve have also indicated that they are actually not in a hurry to cut the interest rate.

So it's our opinion that this year interest rate will stay high.

That could probably be one or two cards by the second half of the year, right, in order

for them to, you know, engineer a soft landing of the economy.

And I think the expectation of a big card, I think, is not very practical.

Okay, Alfred Chia, he is CEO of SingCapital, which is a financial advisory firm.

Before making any decisions based on the information in our programme, please consult

your own financial advisors to take into account your investment objectives, financial

situation and individual needs.

source: CNA

Singapore Today's Lance Alexander and Daniel Martin spoke with Alfred Chia, CEO, SingCapital, about what revised interest rates could mean for bank customers.

Impact of revised interest rates on bank customers

<div class="iframe-wrapper"><iframe src="https://www.youtube.com/embed/dPXJX391jpY?feature=oembed" width="640" height="360" frameborder="0" allowfullscreen="[object Object]"></iframe></div>Almost half of Singaporeans do not have enough emergency funds to cover them for six months in a crisis, and 45% do not have enough funds for their family needs for the next year.An emergency fund is crucial as it provides a financial safety net for unexpected expenses such as medical emergencies or job loss. The first step is to consider how much you need, which varies with individual circumstances such as job stability or consumption patterns.A general rule of thumb is three to six months of monthly living expenses plus loan commitments. Self-employed individuals with an inconsistent income flow should have six to 12 months of emergency funds. The next step is to decide where to stash the emergency fund.It should not be invested with regular savings for home purchase or retirement planning, as it should provide liquidity and safety. High-yielding accounts, investment platforms with money market solutions, and Singapore government saving bonds are suitable options.People in different stages of life have different requirements for an emergency fund. For instance, families with children and dual incomes need to plan for various scenarios, including the possibility of both losing their income.Self-employed individuals should build their emergency fund early and cater to their critical consumption needs before buying other expenses. Keeping the emergency fund up to date as life priorities evolve is also essential.Source: CNA Insider

Almost half of Singaporeans do not have enough emergency funds to cover them for six months in a crisis, and 45% do not have enough funds for their family needs for the next year.

An emergency fund is crucial as it provides a financial safety net for unexpected expenses such as medical emergencies or job loss. The first step is to consider how much you need, which varies with individual circumstances such as job stability or consumption patterns.

A general rule of thumb is three to six months of monthly living expenses plus loan commitments. Self-employed individuals with an inconsistent income flow should have six to 12 months of emergency funds. The next step is to decide where to stash the emergency fund.

It should not be invested with regular savings for home purchase or retirement planning, as it should provide liquidity and safety. High-yielding accounts, investment platforms with money market solutions, and Singapore government saving bonds are suitable options.

People in different stages of life have different requirements for an emergency fund. For instance, families with children and dual incomes need to plan for various scenarios, including the possibility of both losing their income.

Self-employed individuals should build their emergency fund early and cater to their critical consumption needs before buying other expenses. Keeping the emergency fund up to date as life priorities evolve is also essential.

Source: CNA Insider



Where You Should Stash Your Cash In Case Of A Financial Emergency

<figure><a href="https://cdn.bloghunch.com/uploads/ywZ0VpKPFQ1rtqMR.webp"><img src="https://cdn.bloghunch.com/uploads/ywZ0VpKPFQ1rtqMR.webp" mediatype="img" alt="ssb-fixed-deposits-t-bills" width="800" height="405.078125" dataalign="left" caption="" link="" class=""></a></figure>Inflation is slowing, increasing the likelihood of the United States Federal Reserve pausing interest rate hikes. This means investors will be keeping an eye on Singapore Savings Bonds (SSBs), Treasury bills (T-bills) or fixed deposits as they may still be attractive.If rates do fall, this will reduce borrowing expenses and help the bottom line with cost-effective refinancing for real estate investment trusts (Reits), which often rely on debt for acquisitions. Reits may be favoured over alternative income-generating assets, potentially driving up trusts’ unit prices and exposing investors to risks of the real estate sector.However, by incorporating Reits within a comprehensive index portfolio, investors can gain the advantages of diversification across various asset classes and sectors. Changes in US central bank rates affects yields of Singapore Government Securities, which influences SSBs and T-bills, as well as fixed deposit rates.Reits can provide relatively higher yields but come with higher risk due to market volatility. Investors need to do more research when considering different Reits as they come from different sectors, leverage levels and geographical areas.Mr. Chia notes that Singapore Savings Bonds (SSBs) are low-risk, government-backed investments with moderate yields suitable for conservative investors or those seeking stability in their portfolios. Fixed deposits also offer fixed, predictable returns and are appropriate for risk-averse investors looking for capital preservation.In addition, T-bills are very low risk and provide liquidity over six and 12 months, with a rate slightly higher than for fixed deposits. Ultimately, deciding on whether to invest in Reits, SSBs, fixed deposits, and T-bills depends on an investor’s financial goals, risk tolerance and time horizon.

Inflation is slowing, increasing the likelihood of the United States Federal Reserve pausing interest rate hikes. This means investors will be keeping an eye on Singapore Savings Bonds (SSBs), Treasury bills (T-bills) or fixed deposits as they may still be attractive.

If rates do fall, this will reduce borrowing expenses and help the bottom line with cost-effective refinancing for real estate investment trusts (Reits), which often rely on debt for acquisitions. Reits may be favoured over alternative income-generating assets, potentially driving up trusts’ unit prices and exposing investors to risks of the real estate sector.

However, by incorporating Reits within a comprehensive index portfolio, investors can gain the advantages of diversification across various asset classes and sectors. Changes in US central bank rates affects yields of Singapore Government Securities, which influences SSBs and T-bills, as well as fixed deposit rates.

Reits can provide relatively higher yields but come with higher risk due to market volatility. Investors need to do more research when considering different Reits as they come from different sectors, leverage levels and geographical areas.

Mr. Chia notes that Singapore Savings Bonds (SSBs) are low-risk, government-backed investments with moderate yields suitable for conservative investors or those seeking stability in their portfolios. Fixed deposits also offer fixed, predictable returns and are appropriate for risk-averse investors looking for capital preservation.

In addition, T-bills are very low risk and provide liquidity over six and 12 months, with a rate slightly higher than for fixed deposits. Ultimately, deciding on whether to invest in Reits, SSBs, fixed deposits, and T-bills depends on an investor’s financial goals, risk tolerance and time horizon.

Discover why investors are still drawn to SSBs, T-bills, and fixed deposits despite ongoing rate stability. Explore the reasons today.

Investors still eyeing SSBs, T-bills and fixed deposits as rates yet to fall

<figure><a href="https://cdn.bloghunch.com/uploads/OS4OUqMHaYv946O0.webp"><img src="https://cdn.bloghunch.com/uploads/OS4OUqMHaYv946O0.webp" mediatype="img" alt="all-about-reits" width="800" height="1230.954169797145" dataalign="left" caption="" link="" class=""></a></figure>There are still clouds over the real estate investment trust (Reit) sec- tor following a spate of earnings results for the period ending June 30. Maybank analyst Krishna Guha said there are challenges from having to reprice debt at higher interest rates, while occupancy is up at some properties but not as strong at others.At least rent reversions- the level at which new leases are signed or renewed - are still positive.Meanwhile, the global economy remains challenging, especially given the hawkish tone taken by Unit- ed States Federal Reserve chairman Jerome Powell at the recent Jackson Hole conference. "Although inflation has moved down from its peak - a welcome development - it remains too high," he said.So while markets were hoping that rate hikes would be eased, the door has now been left open to the possibility of further increases.Phillip Securities Research senior research analyst Darren Chan said the Fed intends to keep rates at a restrictive level until it is sure inflation is significantly trending towards the 2 per cent goal. This stance also signifies the Fed's wilingness to hike rates further.INTEREST RATESThe overriding factor for Reits is the fluid interest rate environment. This means the outlook for costs (including hedging) remains uncertain, said Mr Guha.In general, rising interest rates pose more challenges for Reits than for stocks as Reits tend to have low- er growth and higher gearing. Higher rates tend to depress thevaluation of the properties unless offset by growth in operating income. They also mean increased borrowing costs. As Reits usually take on debt to acquire properties, the higher repayments will eat into distributions.Reits are a popular investment for folk keen on a regular income stream, but they become less popular when rates rise as people can get the same yield elsewhere.SingCapital chief executive Alfred Chia said: "Typically, Reits are sensitive to interest rate movements. As rates rise and stay high, it will affect the distribution per unit and reduce the yield to investors."Still, Reits with strong fundamentals, including well-located proper- ties and stable cash flow, are more resilient to rising rates. Investors would need to do more research to find the suitable ones, he added.HOSPITALITYHospitality is one sector where the outlook is promising, with trusts paying out increased distribution per unit, albeit from a low base in 2022, said Maybank.While there were high hopes for tourism to lift Singapore's economy, the effects have yet to be fully felt. Visitor arrivals are "flatlining" at around 1.1 million a month while the expected surge of arrivals from China has not fully materialised, said Maybank, but longer average stays are helping to offset this.Among the players in this segment is CDL Hospitality Trusts with properties such as Grand Copthorne Waterfront Hotel and W Singa- pore Sentosa Cove.Another is Far East Hospitality Trust, which noted "good demand from corporate groups and further recovery in leisure bookings" when it reported results for the half year to June 30. The trust has properties such as Oasia Hotel Downtown and Elizabeth Hotel, now rebranded as Vibe Hotel Singapore Orchard.Mr Gerald Lee, CEO of Far East H- Trust's Reit manager board, said that with a "further restoration in flight capacity of major carriers in Asia-Pacific and recovery of visitorarrivals to Singapore, supported by a healthy pipeline of events and activities, the portfolio can be expect- ed to benefit from the rebound in the local hospitality sector".But China remains the million- dollar question.Far East H-Trust said: "While the hospitality sector has rebounded to a much healthier state, the return of Chinese travellers to Singapore will form the next phase of recovery. "For June, visitor arrivals from China grew 18 per cent month on month to around 113,300, forming about 37 per cent of 2019's monthly average."Phillip Securities also favours the hospitality sector, as it reckons the increase in revenue per available hotel room from global travel demand can help to mitigate the im- pact of higher interest costs.INDUSTRIALMaybank said the industrial sector, which includes factories, ware- houses and business parks, has cyclical challenges but the structuraloasia hoteldrivers are favourable. These drivers include diversification of supply chains to different countries and omnichannel retail, which involves integrated warehouses and stores. Cyclical head- winds include a manufacturing slowdown, which may lead to slow- er rental growth. At the same time,older assets require capital outlays to upgrade, or be more environmentally friendly.Maybank said. But its older business parks may face reduced occupancy as these assets are refurbished or repositioned. Another risk factor stems from its massive overseas expansion in recent years, which means upcoming renewals will need to be monitored.OFFICEThe office segment is likely to see a slowdown in rental growth due to tech firms right-sizing, said May- bank. But the impact may be offset by sign-ups of smaller spaces at grade-A buildings by tenants such as family offices, legal firms and commodity traders.The segment will still be held back in the midterm by people adopting hybrid work. That said, the supply pipeline is limited and this may support rents. There is further uncertainty after well-known office-sharing firm WeWork raised "substantial doubt" about its ability to continue operating.But Singapore Reits are still showing signs of resilience in their office portfolios, a recent research report from the Singapore Ex- change (SGX) said.Three have some exposure to the New York-headquartered WeWork - CapitaLand Integrated Commer- cial Trust (Cict), Suntec Reit and Mapletree Pan Asia Commercial Trust (Mpact).The report noted that WeWork was one of Cict's top 10 tenants for June, with 2.4 per cent of total gross rent contributing to its total gross rental income.Still, Cict reported a 19.6 per cent year-on-year rise in gross revenue and a 14.8 per cent lift in net proper- ty income for its office portfolio for the first half of the 2023 financial year. It noted healthy demand for its office assets from private wealth and asset management companies, law firms, professional services and government agencies - and a tight- er supply in the Central Business District (CBD).Suntec Reit's Singapore office portfolio reported year-on-year growth of 8.1 per cent in gross revenue and 1.1 per cent in net property income for the first half of the 2023 financial year thanks to higher occupancy and rent at its Suntec City Office and One Raffles Quay.WeWork consisted of 1.9 per cent of Suntec Reit's total monthly office gross rental income in 2022, while co-working spaces accounted for just 3 per cent or so of its office. portfolio as at June 30.Mpact's Mapletree Business City had 95.9 per cent committed occupancy with 7.1 per cent rental reversion. Gross revenue was up 75.6 per cent for the June quarter, while net property income surged 68.0 per cent, with its Singapore properties delivering better performance.Other trusts with office portfolios, like Keppel Reit and OUE Commercial Reit, have also seen consumer sentiment hold up alongside high occupancy and growth in rental reversions, the SGX report said. A recent Knight Frank report found that businesses in Singapore were "not deterred from continuing to seek quality spaces in the CBD, supporting the strong occupancy levels in the office market".

There are still clouds over the real estate investment trust (Reit) sec- tor following a spate of earnings results for the period ending June 30. Maybank analyst Krishna Guha said there are challenges from having to reprice debt at higher interest rates, while occupancy is up at some properties but not as strong at others.

At least rent reversions- the level at which new leases are signed or renewed - are still positive.

Meanwhile, the global economy remains challenging, especially given the hawkish tone taken by Unit- ed States Federal Reserve chairman Jerome Powell at the recent Jackson Hole conference. "Although inflation has moved down from its peak - a welcome development - it remains too high," he said.

So while markets were hoping that rate hikes would be eased, the door has now been left open to the possibility of further increases.

Phillip Securities Research senior research analyst Darren Chan said the Fed intends to keep rates at a restrictive level until it is sure inflation is significantly trending towards the 2 per cent goal. This stance also signifies the Fed's wilingness to hike rates further.

INTEREST RATES

The overriding factor for Reits is the fluid interest rate environment. This means the outlook for costs (including hedging) remains uncertain, said Mr Guha.

In general, rising interest rates pose more challenges for Reits than for stocks as Reits tend to have low- er growth and higher gearing. Higher rates tend to depress the

valuation of the properties unless offset by growth in operating income. They also mean increased borrowing costs. As Reits usually take on debt to acquire properties, the higher repayments will eat into distributions.

Reits are a popular investment for folk keen on a regular income stream, but they become less popular when rates rise as people can get the same yield elsewhere.

SingCapital chief executive Alfred Chia said: "Typically, Reits are sensitive to interest rate movements. As rates rise and stay high, it will affect the distribution per unit and reduce the yield to investors."

Still, Reits with strong fundamentals, including well-located proper- ties and stable cash flow, are more resilient to rising rates. Investors would need to do more research to find the suitable ones, he added.

HOSPITALITY

Hospitality is one sector where the outlook is promising, with trusts paying out increased distribution per unit, albeit from a low base in 2022, said Maybank.

While there were high hopes for tourism to lift Singapore's economy, the effects have yet to be fully felt. Visitor arrivals are "flatlining" at around 1.1 million a month while the expected surge of arrivals from China has not fully materialised, said Maybank, but longer average stays are helping to offset this.

Among the players in this segment is CDL Hospitality Trusts with properties such as Grand Copthorne Waterfront Hotel and W Singa- pore Sentosa Cove.

Another is Far East Hospitality Trust, which noted "good demand from corporate groups and further recovery in leisure bookings" when it reported results for the half year to June 30. The trust has properties such as Oasia Hotel Downtown and Elizabeth Hotel, now rebranded as Vibe Hotel Singapore Orchard.

Mr Gerald Lee, CEO of Far East H- Trust's Reit manager board, said that with a "further restoration in flight capacity of major carriers in Asia-Pacific and recovery of visitor

arrivals to Singapore, supported by a healthy pipeline of events and activities, the portfolio can be expect- ed to benefit from the rebound in the local hospitality sector".

But China remains the million- dollar question.

Far East H-Trust said: "While the hospitality sector has rebounded to a much healthier state, the return of Chinese travellers to Singapore will form the next phase of recovery. "For June, visitor arrivals from China grew 18 per cent month on month to around 113,300, forming about 37 per cent of 2019's monthly average."

Phillip Securities also favours the hospitality sector, as it reckons the increase in revenue per available hotel room from global travel demand can help to mitigate the im- pact of higher interest costs.

INDUSTRIAL

Maybank said the industrial sector, which includes factories, ware- houses and business parks, has cyclical challenges but the structural

oasia hotel

drivers are favourable. These drivers include diversification of supply chains to different countries and omnichannel retail, which involves integrated warehouses and stores. Cyclical head- winds include a manufacturing slowdown, which may lead to slow- er rental growth. At the same time,

older assets require capital outlays to upgrade, or be more environmentally friendly.

Maybank said. But its older business parks may face reduced occupancy as these assets are refurbished or repositioned. Another risk factor stems from its massive overseas expansion in recent years, which means upcoming renewals will need to be monitored.

OFFICE

The office segment is likely to see a slowdown in rental growth due to tech firms right-sizing, said May- bank. But the impact may be offset by sign-ups of smaller spaces at grade-A buildings by tenants such as family offices, legal firms and commodity traders.

The segment will still be held back in the midterm by people adopting hybrid work. That said, the supply pipeline is limited and this may support rents. There is further uncertainty after well-known office-sharing firm WeWork raised "substantial doubt" about its ability to continue operating.

But Singapore Reits are still showing signs of resilience in their office portfolios, a recent research report from the Singapore Ex- change (SGX) said.

Three have some exposure to the New York-headquartered WeWork - CapitaLand Integrated Commer- cial Trust (Cict), Suntec Reit and Mapletree Pan Asia Commercial Trust (Mpact).

The report noted that WeWork was one of Cict's top 10 tenants for June, with 2.4 per cent of total gross rent contributing to its total gross rental income.

Still, Cict reported a 19.6 per cent year-on-year rise in gross revenue and a 14.8 per cent lift in net proper- ty income for its office portfolio for the first half of the 2023 financial year. It noted healthy demand for its office assets from private wealth and asset management companies, law firms, professional services and government agencies - and a tight- er supply in the Central Business District (CBD).

Suntec Reit's Singapore office portfolio reported year-on-year growth of 8.1 per cent in gross revenue and 1.1 per cent in net property income for the first half of the 2023 financial year thanks to higher occupancy and rent at its Suntec City Office and One Raffles Quay.

WeWork consisted of 1.9 per cent of Suntec Reit's total monthly office gross rental income in 2022, while co-working spaces accounted for just 3 per cent or so of its office. portfolio as at June 30.

Mpact's Mapletree Business City had 95.9 per cent committed occupancy with 7.1 per cent rental reversion. Gross revenue was up 75.6 per cent for the June quarter, while net property income surged 68.0 per cent, with its Singapore properties delivering better performance.

Other trusts with office portfolios, like Keppel Reit and OUE Commercial Reit, have also seen consumer sentiment hold up alongside high occupancy and growth in rental reversions, the SGX report said. A recent Knight Frank report found that businesses in Singapore were "not deterred from continuing to seek quality spaces in the CBD, supporting the strong occupancy levels in the office market".

Find out if REITs have overcome their challenges and are a secure investment. Get the latest insights here.

Are Reits out of the woods yet? | SingCapital

Are Reits out of the woods yet?

<div class="iframe-wrapper aspect-w-16 aspect-h-9 w-full"><iframe src="https://www.youtube.com/embed/9XdzLxBhxPM?feature=oembed" width="640" height="360" frameborder="0" allowfullscreen="[object Object]"></iframe></div>Prime Minister Lee has just unveiled the incredible Majulah Package, a groundbreaking initiative designed to support the "Majulah Generation." This package includes a whopping S$7 billion worth of CPF top-ups for our esteemed "young seniors" born in 1973 or earlier.As someone deeply passionate about financial well-being and retirement planning, our CEO Alfred Chia had the honor of sharing his thoughts in a recent interview with Mediacorp Channel 8's 狮城有约 | 十分访谈 segment in Chinese.During the interview, he shared various ways in which our "young seniors" can take charge of their retirement and ensure their golden years are truly golden. As it is a very short interview, you can always reach out to him for more details.The Majulah Package is a significant step towards securing a brighter future for our "Majulah Generation," but remember, financial security is a journey. Let's embark on it together and support each other in achieving a fulfilling and worry-free retirement.!

Prime Minister Lee has just unveiled the incredible Majulah Package, a groundbreaking initiative designed to support the "Majulah Generation." This package includes a whopping S$7 billion worth of CPF top-ups for our esteemed "young seniors" born in 1973 or earlier.

As someone deeply passionate about financial well-being and retirement planning, our CEO Alfred Chia had the honor of sharing his thoughts in a recent interview with Mediacorp Channel 8's 狮城有约 | 十分访谈 segment in Chinese.

During the interview, he shared various ways in which our "young seniors" can take charge of their retirement and ensure their golden years are truly golden. As it is a very short interview, you can always reach out to him for more details.

The Majulah Package is a significant step towards securing a brighter future for our "Majulah Generation," but remember, financial security is a journey. Let's embark on it together and support each other in achieving a fulfilling and worry-free retirement.!



Ten-Minute Interview: New HDB Policies and Retirement Savings with SingCapital CEO Alfred Chia

<figure><a href="https://cdn.bloghunch.com/uploads/ERN1n7YjlemmbAfC.webp"><img src="https://cdn.bloghunch.com/uploads/ERN1n7YjlemmbAfC.webp" mediatype="img" alt="dealing with dementia" width="800" height="1486.9172932330825" dataalign="center" caption="" link="" class="image-center"></a></figure>Dementia is a heart-wrenching health crisis that affects not just individuals and their entire families. However, it’s not just the emotional toll that’s devastating; the financial strain it brings can be equally overwhelming. but the financial strain it brings can be equally devastating.Our financial projection has revealed a stark reality: dementia can cost a family over $1 million over a decade based on fundamental assumptions. But here’s the catch – every family’s situation is unique, and emotion runs deep in this journey.The financial impact of dementia serves as a stark reminder of the importance of preparing for the unexpected. It’s not just about the numbers; it’s about safeguarding your loved ones’ well-being and ensuring their financial security in times of crisis.Stay tuned for more insights and strategies on how to navigate this challenging journey and secure your family’s future.

Dementia is a heart-wrenching health crisis that affects not just individuals and their entire families. However, it’s not just the emotional toll that’s devastating; the financial strain it brings can be equally overwhelming. but the financial strain it brings can be equally devastating.

Our financial projection has revealed a stark reality: dementia can cost a family over $1 million over a decade based on fundamental assumptions. But here’s the catch – every family’s situation is unique, and emotion runs deep in this journey.

The financial impact of dementia serves as a stark reminder of the importance of preparing for the unexpected. It’s not just about the numbers; it’s about safeguarding your loved ones’ well-being and ensuring their financial security in times of crisis.

Stay tuned for more insights and strategies on how to navigate this challenging journey and secure your family’s future.

Dealing with Dementia: A Financial Wake-Up Call

<figure><a href="https://cdn.bloghunch.com/uploads/1knhsjKQ8e2KDRwP.webp"><img src="https://cdn.bloghunch.com/uploads/1knhsjKQ8e2KDRwP.webp" mediatype="img" alt="IPs-for-private-healthcare" width="800" height="524.2937853107344" dataalign="center" caption="" link="" class="image-center"></a></figure><h2>More than half who buy IPs for private healthcare opt for subsidised wards when hospitalized</h2>Data from the Central Provident Fund (CPF) Board's healthcare financing website indicates that 57% of Singaporeans and permanent residents (PRs) with Integrated Shield Plans (IPs) choose subsidised care when they are hospitalised, despite having higher coverage.Reasons for this include uncertainty of final bill sizes and long-term medication or treatment costs. When purchasing an IP, it is important to consider coverage and long-term affordability, as premiums can increase in the future and the basic MediShield Life, together with MediSave, cover bills for 70% of subsidised Singaporean patients.Before making a decision, individuals should review their IP regularly to ensure it fits their health and financial profile.<blockquote>Mr Alfred Chia, chief executive of financial counselling firm SingCapital, said people may go for private care for some conditions, but turn to subsidised care for chronic problems.The IP pays for only the hospital component. If the person requires long-term medication or treatment, this comes from their own cash. Opting for subsidised treatment means they continue to pay subsidised rates for the follow-up, he added.Mr Chia said many people buy their IPs when they are young and the premiums are low. Since premiums are paid by MediSave, most do not think about it till they reach the age when they need to top up premiums with cash.He suggested that people review their IP regularly to see if it still fits their health and financial profile.</blockquote>The CPF Board has stated that it would be economically beneficial for some individuals to purchase a lower-tier healthcare plan. Prof Lim has suggested that additional steps, such as the sharing of data, be taken in order to resolve the conflicting behaviour regarding future healthcare&nbsp;needs.Source: <a target="_blank" rel="" href="https://www.straitstimes.com/singapore/more-than-half-who-buy-ips-for-private-healthcare-opt-for-subsidised-wards-when-hospitalised">THE STRAITSTIMES</a>

More than half who buy IPs for private healthcare opt for subsidised wards when hospitalized

Data from the Central Provident Fund (CPF) Board's healthcare financing website indicates that 57% of Singaporeans and permanent residents (PRs) with Integrated Shield Plans (IPs) choose subsidised care when they are hospitalised, despite having higher coverage.

Reasons for this include uncertainty of final bill sizes and long-term medication or treatment costs. When purchasing an IP, it is important to consider coverage and long-term affordability, as premiums can increase in the future and the basic MediShield Life, together with MediSave, cover bills for 70% of subsidised Singaporean patients.

Before making a decision, individuals should review their IP regularly to ensure it fits their health and financial profile.

Mr Alfred Chia, chief executive of financial counselling firm SingCapital, said people may go for private care for some conditions, but turn to subsidised care for chronic problems.

The IP pays for only the hospital component. If the person requires long-term medication or treatment, this comes from their own cash. Opting for subsidised treatment means they continue to pay subsidised rates for the follow-up, he added.

Mr Chia said many people buy their IPs when they are young and the premiums are low. Since premiums are paid by MediSave, most do not think about it till they reach the age when they need to top up premiums with cash.

He suggested that people review their IP regularly to see if it still fits their health and financial profile.

The CPF Board has stated that it would be economically beneficial for some individuals to purchase a lower-tier healthcare plan. Prof Lim has suggested that additional steps, such as the sharing of data, be taken in order to resolve the conflicting behaviour regarding future healthcare needs.

Source: THE STRAITSTIMES

SingCapital CEO Alfred Chia shared his views on Integrated Shield Plans (IPs) for private healthcare

<div class="iframe-wrapper aspect-w-16 aspect-h-9 w-full"><iframe src="https://www.youtube.com/embed/Ps541KnNwqM?feature=oembed" width="640" height="360" frameborder="0" allowfullscreen="[object Object]"></iframe></div><h2 style="text-align: start">More than 200,000 users manage money through the SGFinDex platform</h2>The government launched the financial data exchange platform SGFinDex two and a half years ago, and over 200,000 users have utilized the platform for financial management, representing a 25% year-on-year increase.<blockquote>SingCapital CEO Alfred Chia said: I hope that other general insurance companies can be included, such as car insurance, house insurance, etc., and even travel insurance. You can know at a glance what you have bought and what you still lack.</blockquote>Alfred Chia also believes that as global interest rates will remain high and the outlook for future economic growth is uncertain, the public needs to discuss financial conditions to better understand income and expenses.release:17/07/2023Source: <a target="_blank" rel="" href="https://www.8world.com/singapore/sgfindex-2023-2187676">8world.com</a>

More than 200,000 users manage money through the SGFinDex platform

The government launched the financial data exchange platform SGFinDex two and a half years ago, and over 200,000 users have utilized the platform for financial management, representing a 25% year-on-year increase.

SingCapital CEO Alfred Chia said: I hope that other general insurance companies can be included, such as car insurance, house insurance, etc., and even travel insurance. You can know at a glance what you have bought and what you still lack.

Alfred Chia also believes that as global interest rates will remain high and the outlook for future economic growth is uncertain, the public needs to discuss financial conditions to better understand income and expenses.

release:17/07/2023

Source: 8world.com

Financial Data Exchange SGFinDex

Mr. Alfred Chia provides his insights on the Financial Data Exchange platform SGFinDex

<div class="iframe-wrapper aspect-w-16 aspect-h-9 w-full"><iframe src="https://www.youtube.com/embed/Qauo1fAEdIA?feature=oembed" width="640" height="360" frameborder="0" allowfullscreen="[object Object]"></iframe></div><h2 style="text-align: start">Date in Lion City | Ten Interview: Inflation and Disposable Income</h2>release: 21/06/2023According to a survey, 70% of consumers worry that inflation will affect future spending. If you feel that your spending power has become weaker, what should you pay attention to when planning your finances? How will the Fed's suspension of interest rate hikes affect the public?The KR cut-ins are predicted to have a sales increase of 4% in the upcoming year. Lin Shou-ru, the former professor of the Department of Education, and Alfred Chia, CEO of SingCapital, discussed the worries of the 7-year-old consumers regarding the shopping mall and its impact on their finances. It was found that the primary concerns were the increase in cost of living, such as the financial aid, housing, rent, and transportation costs, as well as a decrease in their purchasing power and living quality. Alfred Chia also discussed the observed decrease in personal income, as well as the uncertainties in the global economic aspect and the commercial environment which will lead to businesses being more cautious in the direction of the people's trust.Recent economic turmoil has had a negative impact on many individuals and businesses. This includes those who have not seen a growth in salary, people with a house and mortgage, and those renting a house. Personal income growth has been somewhat restored, but the same-term personal savings rate has increased to 37.6%. Additionally, the rate of return on fixed income products such as government support funds and savings points has increased. To better manage finances, it is recommended to spend no more than 40% of the income on loans, 30% on monthly expenses, and 20% on savings.It is recommended to use the 4.3.2-dollar budget to make more effective personal financial plans, such as securing a housing loan or planning for retirement. Additionally, 10% of the budget should be allocated to purchasing insurance, in order to guarantee financial stability in the event of any irregularities.Aired on 20/06/2023Source: <a target="_blank" rel="" href="https://www.8world.com/stories/hello-singapore/straight-talk-inflation-and-financial-planning-2164741?fbclid=IwAR0lak-WrL_DlunvAcuzkxp78UhAF3hVzzYUfnmC_FMhFKc_1OWXMmzWMJk">8world.com</a>

Date in Lion City | Ten Interview: Inflation and Disposable Income

release: 21/06/2023

According to a survey, 70% of consumers worry that inflation will affect future spending. If you feel that your spending power has become weaker, what should you pay attention to when planning your finances? How will the Fed's suspension of interest rate hikes affect the public?

The KR cut-ins are predicted to have a sales increase of 4% in the upcoming year. Lin Shou-ru, the former professor of the Department of Education, and Alfred Chia, CEO of SingCapital, discussed the worries of the 7-year-old consumers regarding the shopping mall and its impact on their finances. It was found that the primary concerns were the increase in cost of living, such as the financial aid, housing, rent, and transportation costs, as well as a decrease in their purchasing power and living quality. Alfred Chia also discussed the observed decrease in personal income, as well as the uncertainties in the global economic aspect and the commercial environment which will lead to businesses being more cautious in the direction of the people's trust.

Recent economic turmoil has had a negative impact on many individuals and businesses. This includes those who have not seen a growth in salary, people with a house and mortgage, and those renting a house. Personal income growth has been somewhat restored, but the same-term personal savings rate has increased to 37.6%. 

Additionally, the rate of return on fixed income products such as government support funds and savings points has increased. To better manage finances, it is recommended to spend no more than 40% of the income on loans, 30% on monthly expenses, and 20% on savings.

It is recommended to use the 4.3.2-dollar budget to make more effective personal financial plans, such as securing a housing loan or planning for retirement. 

Additionally, 10% of the budget should be allocated to purchasing insurance, in order to guarantee financial stability in the event of any irregularities.

Aired on 20/06/2023

Source: 8world.com

Ten Interview: Inflation and Disposable Income

Alfred Chia CEO of SingCapital contributed his views on inflation and disposable income

<div class="iframe-wrapper aspect-w-16 aspect-h-9 w-full"><iframe src="https://www.youtube.com/embed/ojlWLF86cCQ?feature=oembed" width="640" height="360" frameborder="0" allowfullscreen="[object Object]"></iframe></div><h2>Mr. Alfred Chia provides insights on Floating, Fixed, or Flexible: How to Save Money on Your Home Loan</h2><h4 style="text-align: start"></h4>The US Fed has signaled that interest rates will continue to rise, causing some uncertainty among mortgage rates in Singapore. Mortgage brokers are seeing those who took advantage of low rates during the pandemic coming to the end of their lock-in period. To manage individual risk profiles, it may be beneficial to stick with a fixed rate for the next two years. Flexible packages are also being offered by banks, such as the option to reprice the loan after 12 months or packages with higher fixed rates for the first year in line with market expectations. Ultimately, it is up to the individual's preference on how to manage their finances in regards to interest rates.Mortgage holders should consider adjusting the tenure of their loan if their goal is to reduce monthly payments. Extending the tenure from 65 to 75 years can reduce monthly installments, however, the loan will need to be paid for an additional eight to ten years. For those looking to save more money, shortening the tenure may be beneficial; for example, if a loan of 500,000 is shortened by eight years, monthly payments will increase, but the total savings over the loan period will be 90,000. It is important to review available loan packages every two to three years to ensure that the best deal is secured prior to the lock-in period ending. With the current market, it is essential to assess financial requirements and tailor mortgage packages to suit evolving needs.Source: <a rel="" href="https://www.youtube.com/watch?v=ojlWLF86cCQ">CNA Insider</a>

Mr. Alfred Chia provides insights on Floating, Fixed, or Flexible: How to Save Money on Your Home Loan

The US Fed has signaled that interest rates will continue to rise, causing some uncertainty among mortgage rates in Singapore. Mortgage brokers are seeing those who took advantage of low rates during the pandemic coming to the end of their lock-in period. 

To manage individual risk profiles, it may be beneficial to stick with a fixed rate for the next two years. Flexible packages are also being offered by banks, such as the option to reprice the loan after 12 months or packages with higher fixed rates for the first year in line with market expectations. 

Ultimately, it is up to the individual's preference on how to manage their finances in regards to interest rates.

Mortgage holders should consider adjusting the tenure of their loan if their goal is to reduce monthly payments. Extending the tenure from 65 to 75 years can reduce monthly installments, however, the loan will need to be paid for an additional eight to ten years. 

For those looking to save more money, shortening the tenure may be beneficial; for example, if a loan of 500,000 is shortened by eight years, monthly payments will increase, but the total savings over the loan period will be 90,000. 

It is important to review available loan packages every two to three years to ensure that the best deal is secured prior to the lock-in period ending. 

With the current market, it is essential to assess financial requirements and tailor mortgage packages to suit evolving needs.

Source: CNA Insider

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