Singapore Financial Planners

AIA Pro Achiever is an investment-linked insurance plan (ILP) . It is a brilliant way to accumulate your wealth and gives you a head-start from the word go. You get open access to a simplified and diversified portfolio from the start. Criteria You need to be between 0-70 years old for the ILP to be issued to you Minimum investment amount is S$200 monthly General Features The features of the AIA Pro Achiever are as follows: Premium Payment Terms & Options The table here shows the minimum regular premiums for each premium payment frequency. Premium Payment Frequency Minimum Premium Amount Yearly S$2,400 Half-yearly S$1,200 Quarterly S$600 Monthly S$200 AIA has the right to make changes to the minimum amounts at any point in time. Premium Allocation The table below shows the premium allocations rates for conversion into fund units if you choose to invest with AIA Pro Achiever. Fund units are purchased with your premium payments at their bid prices

Financial investments are an essential part of your retirement planning. In Singapore, many are well educated and thus probe and analyse financial instruments so that they can be understood better. Bonds are one such type of investment. Developing a better understanding of what bonds are will undoubtedly take you a long way when investing. If you’ve been reading up on bonds, you’d probably know that it’s a great source of income while being relatively low risk. Thankfully, the bonds investing process in Singapore is simple and straightforward to understand. We have prepared a step-by-step guide to bond investing in Singapore. Let us break it down for you and help you in understanding more about these fixed income securities. What are bonds and how do they work? In simple words, bonds are a way companies and government agencies borrow money. The corporations decide how many bonds they would like to issue, the coupon rate, and the maturity period. These bonds are then sold on broke

Imagine doing months and months of research to ensure that you don’t make the wrong financial decisions. Just to make sure that you don’t blindly follow the advice of financial advisors and end up paying more than what you need. Sounds great, doesn’t it? But what if, during the point of research, something unfortunate happens to you or your family? Are you sufficiently covered? Do you enough savings to sustain you through tough times? Will you be able to feed your family? That’s the consequence of having analysis paralysis. What is analysis paralysis? Huh? What analysis paralysis? Analysis paralysis is when a person over-thinks and over-analyses a situation so much that making a decision can come to a total halt, which means that the plan has become paralysed. No solution or resolution has been decided upon. Whenever we make plans for a situation, we tend to look forward to the outcome, whether good or bad. We also try to prepare ourselves for any adverse effects, and if we an

Are you new to stock investments or confused about how to invest in stocks? Here’s our guide to help you through stock investing in Singapore. What are stocks/shares? Stocks are also called equities, which is the ownership of a company’s assets. This ownership means that they (the stockholder) get to own a select portion of the company’s gains, assets, and votes. Almost every company in the world has one or more than one owner. And when we say ‘company,’ it doesn’t mean only multinational or high-end companies; even boutiques, restaurants, hotels, etc., are companies and can feature joint ownership. For example, if you and a friend open a restaurant together, you may take 50% ownership while your friend takes the other 50%. Thus, when the restaurant makes profits, you get 50% of it, and even the rest of the restaurant’s assets get shared in the same way. Similarly, companies create shares of their various assets, which people can buy and hold. Whenever profits arrive, the shareh

With a variety of securities available for you to choose from, it can be challenging to choose one to begin with. If you’re new to investing and wish to look into beginner-friendly financial instruments, Exchange Traded Funds (ETFs) might be the choice for you. Here’s our guide to investing in ETFs in Singapore. What is an ETF, and how does it work? An exchange-traded fund — most commonly known only as “ETF” — is a fund that pools money from various investors to purchase a basket of assets that aims to track a selected market index. This collection of assets is created and passively managed by fund managers before being purchased by the general public through brokerages. Since ETFs are available to the public, you can purchase them in different ways like margins, short sales, or even keep them for a longer-term by holding them. Investing in ETFs allows you to diversify your investments to manage risks. It also provides you with comfort as you don’t have to worry about individual

There are many investment tools available for you in Singapore. Many of which are more popular than others. In this article, we’ll cover one of the more infamous tools – unit trusts. What is a unit trust, and how does it work? A unit trust, or a mutual fund, is a portfolio of various investment instruments managed by a professional fund manager. Your money, together with other investors, are pooled together to invest in this fund. The funds may contain a range of asset or a mixture of equities, bonds, and other financial instruments. Depending on the fund objective, the fund manager will decide the investment products to purchase. When you invest in a unit trust, you do not invest in a single company or asset. Instead, you invest in the collective share or percentage of assets allocated to the specific unit trust. When the unit trust assets are diversified, there’s technically less investment risk involved than purchasing individual financial instruments. When the value of these