Janice Yip
Are you adopting A 'Rojak' Approach to Your Retirement?
Rojak in Malay means mixture. In the Singapore context, it refers to a salad dish tossed with fruits and vegetables that reflects...
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Janice Yip
Jun 95 min read
Why Most People Are Doing Retirement Planning Wrongly
If you are thinking of starting your retirement, most likely your train of thought is you are prepared to set aside $xxxx/month to get...
123 views
Janice Yip
Apr 274 min read
Are you Confusing Wealth Preservation Tools with Wealth Accumulation Tools?
"The return is too low." This is the common concern raised when proposing wealth preservation options to clients. Very often this...
64 views
Janice Yip
Jan 73 min read
Your Retirement Number - Pitfalls To Consider
Recently I met a client who told me he needs $5000/month for his retirement income. So I asked him, how did he derive this figure? He...
92 views
Janice Yip
Mar 3, 20236 min read
Have you solved the million dollar question after you insure your life for $1million?
Do you feel that you did your part as a responsible adult once you insure your life for a million dollars? We often believe that insuring...
98 views
Janice Yip
Feb 19, 20235 min read
Myth: Inheritance Planning Breeds Lazy, Unmotivated 2nd Generation
Whenever I start the topic on estate planning, inheritance distribution, I get response along the lines of "I don't want to leave so much...
98 views
Janice Yip
Feb 4, 20236 min read
Here Is Why Most People Who Neglect Income Protection Are Bad Gamblers
Are you somebody who would be concerned about your loss of income if you suddenly fall critically ill or if you are contributing to the...
74 views
Janice Yip
Oct 22, 20226 min read
If Your Retirement Figure Is $2Mil or Less, You Might Have Omitted These Needs
If you are in your late 50s - 60s reading this, $2million might be enough. If you are any younger, it's likely not going to be enough for...
1,175 views
Janice Yip
Aug 17, 20227 min read
Here's Why Some People Move Up The Wealth Ladder While Others Don't
After close to a decade in this industry, I've reached a conclusion why it's easier to help some groups of individuals improve their...
191 views
Janice Yip
Mar 24, 20225 min read
Is The Fear Of Future Job Insecurity Stopping You From Long Term Investing?
As weird as the title sounds, this concern is real to a certain group of people living in Singapore. This is prevalent in 2 groups of...
73 views
Janice Yip
Jan 30, 20227 min read
3 Reasons I Prefer To Invest For Growth Over Dividends When I'm Young
Having worked as a banker and then a financial consultant, I've the luxury of meeting many different people with varying risk appetite...
209 views
Janice Yip
Dec 9, 20217 min read
4 Financial Takeaways To End 2021 With
It's year end and I am doing my year end reflections as a financial consultant. 2021 has been a rollercoaster year. We got 2 new Covid...
67 views
Janice Yip
Nov 12, 20217 min read
Why Solely Saving Money In The Bank Is Impractical
There's really very little incentive to invest your money or take up any financial instruments when you see your bank balance growing...
208 views
Janice Yip
Oct 14, 20215 min read
Future Proofing Your Insurance Coverage Can Save You Money
It's early Q4 and I've wrapped up my business goals for the year. As a result, I'm spending more time to reflect on 2021 and what are...
138 views
Janice Yip
Sep 19, 20217 min read
How Will Your Hospitalisation Plan Premiums Affect Your Retirement?
Whenever retirement planning is discussed, it is common to assume expenses as what you need to spend on a day to day basis to live your...
215 views
Janice Yip
Sep 4, 20216 min read
Are You Falling Into This High Income Retirement Trap?
According to an AIA study conducted between January 2021 and June 2021, 92% of Singaporeans preferred mode of saving instrument is their...
262 views
Janice Yip
Aug 8, 20216 min read
Are you Missing out On These 3 Lesser Known Benefits In Financial Planning?
Largely due to imperfect information, we often do not know what are our best options available for our life situation until we are...
117 views
Janice Yip
Jul 25, 20218 min read
3 Golden Rules To Save Up For Your First Private Property
Ever wondered how come your peer (earning a similar income as you) might be buying their first private property while you are fretting...
192 views
Janice Yip
Jun 27, 20217 min read
What's your Biggest Money Fear?
With COVID19, we have entered a new normal. The heightened alert situation has also afforded many people more time for reflection and...
179 views
Janice Yip
Jun 13, 20219 min read
4 Money Behaviours Of Comfortably Retired People
The past few months I've been really occupied with helping clients plan their retirements. One interesting observation I encountered with...
1,216 views
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