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
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
Aug 22, 20235 min read
Mathematical Proof Insurance Gives You Freedom To Spend
"I already have your proposed insured amount in the bank, given that I want to shore up my savings, I'll pass up on this insurance." This...
136 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
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...
209 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 18, 20216 min read
Do You Have The What If Syndrome?
One of the biggest reasons people procrastinate making long term financial commitments is largely due to 'what ifs'. More often than not,...
57 views
Janice Yip
Jul 12, 20218 min read
Why Is There So Much Stigma Towards Investment ILPs?
Recently I was asked why does the market have so much stigma towards Investment Linked Policies (ILPs) and if it has its place in the...
746 views
Janice Yip
May 1, 20215 min read
Why The Idea That Financial Solutions Are 'Expensive' Is Terribly Flawed
This is going to be a pretty short article. It's motivated from meeting a number of clients who seem to perceive financial solutions as...
223 views
Janice Yip
Apr 24, 20216 min read
Why Most 'Saving Plans' Are Long Term & Lack Flexibility?
Recently, someone approached me to look into saving solutions and seem to be expecting something with good flexibility while having...
655 views
Janice Yip
Apr 4, 20219 min read
5 Retirement Strategies Common In Singapore
Retirement becomes a growing concern once you enter your 40s. This is why it's very common to see people who started work putting off...
810 views
Janice Yip
Mar 26, 20217 min read
How Good Debt Can Help You & Bad Debt Can Harm You
As a FA, people consult me for all sorts of money issues. In the recent weeks, I encountered this question, "should I take a loan to...
253 views
Janice Yip
Feb 28, 20216 min read
5 Wealth Management Trends That Can Reduce Future Buyer Remorse
Over the Chinese New Year break, I've had some very interesting discussions with friends on 2 topics. Future trends developing in society...
137 views
Janice Yip
Feb 8, 20216 min read
Why Investing As And When You Have Money May Not Be The Best Idea
In my line of work, it's pretty common to meet people who make financial purchases out of convenience. This was especially the case when...
121 views
Janice Yip
Jan 3, 20215 min read
Your Money Mindset Will Influence Your Kids Development
Parents invest heavily in their children nowadays and even though most won't admit it, some view children as their retirement plan....
175 views
Janice Yip
Dec 25, 20206 min read
The Best Christmas Gift For Your Future Self
You always see people asking famous personalities this question, 'if you could give an advice to your younger self, what would you...
121 views
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