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
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
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
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
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
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 13, 20216 min read
Why Planning Retirement Early Makes Your Overall Life Easier
It sounds counter-intuitive. The younger phase of our lives entails a lot of financial commitments. How can it be that life is easier?...
223 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
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 20, 20217 min read
How to Plan Your Retirement Concurrently With Your Other Priorities
One of the most common challenges as a financial advisor is to help clients see the value of starting retirement planning early. Very...
429 views
Janice Yip
Dec 15, 20205 min read
Taking Up Financial Instruments Is Not Equal To Financial Planning
As someone growing up in a family where my parents saved their way to financial freedom, I take wealth management seriously. I have seen...
113 views
Janice Yip
Dec 7, 20206 min read
Potential Problems When One Relies On Inheritance Money As Their Retirement Plan
When a person thinks about inheritance, it's such a wonderful thing right? There are many people who envy those who are left with a hefty...
165 views
Janice Yip
Nov 22, 20206 min read
3 Scenarios To Improve Your Retirement
Recently, this question was posed to me, "if my retirement is settled, I can spend the rest of my money freely right?" In a way, it's...
932 views
Janice Yip
Aug 1, 20207 min read
3 Financial Issues We May Face When We Avoid Talking About Money With Our Family
Talking about money is pretty much taboo within our Asian culture. So many times I've heard clients tell me they let their spouses manage...
348 views
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