We were on the verge of the greatest retirement crisis in history and COVID-19 just triggered it. In the decades to come, globally, we will witness hundreds of millions of people slipping into poverty in their retirement years, not because they lost money in the stock market, but because they saved. Why? If you are […]
Latest Blog Posts
If you want to receive Guaranteed Return without locking in your capital for long, you should consider a short-term endowment plan. An endowment plan is the simplest form of investment. You pay a premium to the insurer who promises you a guaranteed return in a fixed number of years. In the past couple of years, […]
Are we drawing down the national reserves too fast? With President Halimah’s assent, Singapore is withdrawing another eye-popping $31 billion from its reserves to fund Covid-19 support packages, you may justifiably wonder: “Is there a limit to this?” By now, Singapore has used close to $100 billion from its reserves to fight the “deepest economic crisis […]
If you were to look only at the stock market and nothing else, you’d probably have no clue that millions of people just lost their jobs, hundreds of global companies are filing bankruptcies and yes, we are still in a global coronavirus pandemic. Why do the stock markets ignore all the bad news? Are we […]
With the global recession triggered by COVID-19, we have seen that the Singapore REITs index has suffered a massive 20% loss. You may be asking, “What would be the impact of COVID-19 on REITs? Is it a good time to buy REITs now?” In this article, I want to help you understand three questions. Why […]
The global stock market has just had an amazing rally in April despite a looming recession ahead. Do you feel puzzled and frustrated by this? Did you sell your stocks in March or were you waiting on the sidelines? The further we get into this global lockdown due to the COVID-19 pandemic, the clearer the […]
What topics are you interested in?
Real Estate Investment Trust, a.k.a. REIT, is a popular income-generating investment nowadays. It is also one of the 5 core Income Generating Assets that I recommend for retirement planning. But the risks of investing in REITs are not well understood. In the course of my work, I realize many …
For most Singaporeans, unit trust is the best investment instrument to start with. But why so many people lost money in unit trust investment? Because most people chose the wrong funds. If you want to make money, you need to know how to choose the right unit trust for yourself. It is unlikely …
If you were to look only at the stock market and nothing else, you’d probably have no clue that millions of people just lost their jobs, hundreds of global companies are filing bankruptcies and yes, we are still in a global coronavirus pandemic. Why do the stock markets ignore all the bad news? …
The only way to retire in Singapore is to own Income Generating Assets. I have discussed how you can use optimally leveraged and discounted property to generate good income for your retirement. However, there is a problem. While Asian investors are still trying to catch the last train of …
Universal life insurance is one of the best solutions for legacy planning and retirement planning. It provides guaranteed returns and liquidity in a volatile time like now. But universal life insurance is a very complexed and highly customizable product too. That is why it is often poorly …
Do you want to pay less income tax and save more for the future? If so, you should pay some attention to Supplementary Retirement Scheme (a.k.a. SRS). Unlike popular CPF retirement scheme, many people have not even heard of SRS. In this article, I will explain What is SRS and what are …
Hello, my name is Ivan. I am a financial consultant, blogger and book author.
Welcome to the world of Ivanism.
As a fee-based financial adviser,
I work to empower people like
you to set sail on your journey towards financial independence and early retirement.
Master your money or your money will master you
Subscribe and empower yourself with the clarity, courage and commitment to your financial freedom journey
Success! Now check your email to confirm your subscription.