Wealth With Derrick

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Wealth With Derrick I believe that financial planning isn’t just about numbers—it’s about people, purpose, and peace of mind.

Founded on principles of trust, integrity, and foresight, I guide individuals and families to make informed decisions.

Global Markets Under Pressure — What's Driving the Sell-Off?AI spending concerns, inflation and economic uncertainty wei...
26/10/2026

Global Markets Under Pressure — What's Driving the Sell-Off?

AI spending concerns, inflation and economic uncertainty weighed on global stock markets last week.

According to the iFAST Financial Weekly Market Update (Week Ending 23 October 2026), several major markets recorded declines as investors reassessed the outlook for technology companies and economic growth.

The full iFAST Weekly Market Update is available here:
https://linktr.ee/wealthwithderrick #609555579

Source: iFAST Financial Pte Ltd — Weekly Market Update, Week Ending 23 October 2026.

This post summarises information from iFAST Financial and is shared for general educational purposes only. It does not constitute financial or investment advice, or a recommendation to buy or sell any securities. Past performance is not indicative of future results.

25/10/2026

I was reading the Three Little Pigs story to my child, and I thought that this story would actually relate to financial planning.

We've probably all heard this childhood story before. But this time, it made me think about something a little deeper.

Are we building our financial lives with straw, sticks or bricks?

The first little pig built his house with straw. It was quick and easy, much like living from paycheck to paycheck without emergency savings or a long-term plan.

The second pig built with sticks. A little stronger, just like someone who has started saving or purchased some insurance, but hasn't really looked at whether everything is sufficient.

The third pig patiently built his house with bricks. One brick at a time, he created a stronger foundation.

And isn't that what financial planning is about?

Managing our expenses, building emergency savings, having suitable insurance protection, planning for retirement, and investing wisely according to our needs and risk tolerance.

Because the Big Bad Wolf in our lives doesn't always come knocking at the door.

Sometimes, he appears as an unexpected illness, a job loss, a financial crisis, or simply the rising cost of living.

Of course, even the strongest financial plan cannot eliminate every risk. But being prepared can make life's challenges a little easier to manage.

You don't need to have a lot of money to start planning. And you don't need to build everything overnight.

Start with one brick. Then another.

After all, financial planning isn't just about growing wealth. It's about creating greater security and peace of mind for ourselves and the people we love.

So, let me ask you…

What is your financial house made of?

If you're unsure where to begin, I'd be happy to have a friendly conversation and help you understand your options.

Wealth with Derrick
https://linktr.ee/wealthwithderrick

20/10/2026

Are You Paying Too Much for Insurance… or Too Little to Stay Protected? 🤔

Spending more doesn't always mean you're better protected. And spending less doesn't necessarily mean you're saving wisely!

So, how much should you spend?

A general guide is 10–15% of your take-home income, but the right amount depends on your needs, responsibilities and life stage.

Insurance should protect your lifestyle, not become a burden on it.

It's not about spending MORE. It's about protecting SMARTER.

Unsure if you're overpaying or underinsured? Let's have a chat!

Link-in-bio https://linktr.ee/wealthwithderrick

Are You Paying Too Much for Insurance… or Risking Too Much by Paying Too Little?Here's something many people don't reali...
20/10/2026

Are You Paying Too Much for Insurance… or Risking Too Much by Paying Too Little?

Here's something many people don't realise:

Spending more on insurance doesn't automatically mean you're better protected.

And spending less doesn't necessarily mean you're making a smarter financial decision.

The real question is: Are you paying the RIGHT amount for the protection you actually NEED?

So, how much of your income should go towards insurance?

As a general budgeting guide, you may consider setting aside around 10–15% of your take-home income for insurance protection.

But remember, this is a guideline, not a one-size-fits-all rule.

Your ideal budget depends on your family responsibilities, financial commitments, existing coverage, and stage of life.

Good financial planning isn't about having the most insurance policies. It's about having the right protection without sacrificing your financial well-being.

Insurance should protect your lifestyle, not compromise it.

After all, what's the point of being well-insured if you're constantly struggling to afford your everyday expenses?

The goal isn't to spend more on protection. It's to protect more wisely.

Not sure if you're overpaying, underinsured, or simply unsure whether your coverage still meets your needs?

Let's have a conversation and review your protection together — no pressure, just clarity.

Link-in-bio: https://linktr.ee/wealthwithderrick

A Fresh New Look, Making Financial Planning Simpler!Financial planning doesn't have to be complicated, and finding helpf...
15/10/2026

A Fresh New Look, Making Financial Planning Simpler!

Financial planning doesn't have to be complicated, and finding helpful information shouldn't be either.

I've recently given my Wealth with Derrick page a little makeover, making it easier for you to explore financial planning services, helpful resources and the latest financial insights, all in one place!

Whether you're looking to protect your loved ones, grow your savings, understand your CPF, prepare for retirement or simply review your existing financial plans, there's something here for you.

You'll also find practical financial guides, my latest market outlook, educational resources and easy ways to get in touch whenever you have questions.

My goal has always been simple: to help you better understand your financial options and make informed decisions with confidence.

Feel free to explore the new menu, discover something useful and share it with friends or family who might benefit too.

Take a look at my revamped page!

https://linktr.ee/wealthwithderrick

And if there's anything you'd like to discuss, I'm always happy to have a friendly conversation.

10/10/2026

Insurance terms can sometimes sound confusing — but they don’t have to be.

I’ve put together this simple guide to explain some common insurance terms in plain English, so it’s easier to understand what they really mean.

From premium and deductible to rider, claim, and grace period, knowing these terms can help you make better and more confident financial decisions for yourself and your family.

I believe financial planning should be clear, practical, and easy to understand — not full of complicated jargon.

If you’ve ever come across an insurance term that made you pause and wonder what it meant, I hope this guide helps make things simpler for you.

If you’d like help understanding your own policy or comparing your options, feel free to message me anytime.

Visit my Linktree for more resources and to connect with me: https://linktr.ee/wealthwithderrick

Join my Wealth with Derrick Telegram channel for financial planning tips, insurance insights, retirement planning ideas and market updates. You can find the Telegram link here: https://t.me/wealthwithderrick

Wealth with Derrick

03/10/2026

October 2026 Market Outlook: What Should Investors Be Watching?

Markets have remained surprisingly resilient, but the environment is changing.

Interest rates are back in focus. Oil prices have risen. AI continues to drive investment and technology demand. And here in Singapore, strong electronics exports continue to benefit from the global AI cycle.

In my October 2026 Monthly Market Outlook, I take a simple look at what has changed and what may matter for investors in the months ahead.

I also address a question many investors may be thinking about.

Download the October 2026 Monthly Market Outlook here:
https://tr.ee/1sUG2ZgrHc

Feel free to share this with someone who may find it useful.

03/10/2026

As a financial adviser, I review different critical illness plans to see how they can support my clients and their families during recovery.

I consider early-stage cover, repeat-claim benefits, cancer support, claim conditions and premiums together.

Ultimately, my aim is to help them understand the differences and find coverage that fits their needs, family commitments and budget.

If you’d like to review your critical illness protection, let’s have a chat.

02/10/2026

Happy Children’s Day!

Small wonders. Endless possibilities.

From their endless questions to the little hands reaching for ours, children remind us how much joy we can find in everyday moments.

Our wish for them is simple: to grow up feeling loved, stay curious, and have the courage to follow their dreams—with someone cheering them on along the way.

Give them love today. Plan for their tomorrow.

Through the time we spend together, the encouragement we offer, and the steps we take for their future, we give their dreams room to grow.

What is your wish for your little one? Complete this sentence in the comments:

“My wish for my child’s future is…”

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