Providend

15/10/2026

“There are many things you can do to make a car ride safer. But that doesn’t mean you need to do all of them.”

In this episode, Bryan, Head of Solutions Team and Jia Ling, Client Adviser, explore why a retirement plan does not have to be 100% certain to be a good one. He shares why retirement projections can create a false sense of precision, why the word “failure” may not tell the full story, and how flexibility can itself be a form of retirement security.

Watch this video to learn more: https://www.youtube.com/watch?v=OIxqA8lMYwE

Rather than spending all our energy chasing the last 5% or 10% of certainty, there are other questions worth asking like "Are you ready for how you will spend your time in the next chapter in life?" In this article, Christopher, our Founder and CEO, shares what you can start thinking about in the years leading up to retirement as a fellow pre-retiree himself: https://providend.com/the-5-year-runway-to-retirement-what-pre-retirees-should-start-doing-now/

When it comes to retirement planning, it is easy to think that the ...

14/10/2026

"Planning for retirement allows me to look forward to giving up the titles I've built over a lifetime to embark on a new adventure and start a new chapter with purpose" – Christopher, CEO & Founder of Providend

Watch the full video here: https://youtu.be/2uXq8Js-k8k

13/10/2026

Singapore is now a super-aged society, with more of us potentially living well into our 80s and 90s. But how do we plan financially when we do not know how long retirement will last, and how much should we really be setting aside for healthcare and long-term care?

As the leading fee-only wealth advisory firm in Southeast Asia, our CEO, Christopher, was on The Morning Report on CNA938, sharing his insights on preparing financially for a longer life, and why retirement planning should be about more than simply reaching a retirement age. He also explored what those already in their 50s or 60s can realistically do if they realise they have not saved enough.

Listen to this interview and share it with a friend:

12/10/2026

When it comes to retirement planning, the desire for certainty can make a more cautious plan seem like the obvious choice. But what if trying to eliminate every possibility of failure means you are saving too much, working too long, and leaving less room to enjoy the life you worked for?

In this episode, Bryan, Head of Solutions Team and Jia Ling, Client Adviser, explore why chasing the last 5% or 10% of certainty may cost more than you think, why the word “failure” may not tell the full story, and how flexibility can be a form of retirement security all in itself.

Bryan also reminds us that retirement planning is not about building a foolproof future. It is about understanding what matters most, knowing what is negotiable and what is not, and having the flexibility to adjust along the way.

Listen to the podcast here: https://providend.com/90-percent-retirement-success-rate-enough/

To better appreciate the discussion, you may wish to begin with Bryan's article, which provides the context behind this conversation: https://providend.com/why-chasing-a-100-retirement-success-rate-may-cost-you-more-than-you-think/

10/10/2026

"If you can set a 40-year retirement goal in your 20s, that's great, but realistically, most people need some flexibility, and not fixed long-term targets." – Christopher, CEO & Founder of Providend

Watch the full video here: https://youtu.be/2uXq8Js-k8k

09/10/2026

“Investors need to be aware that when they buy into what is doing well right now, they are paying a premium for it.”

Having navigated multiple market crises since 2001, our Head of Investment, Chye Hsern, was live on MONEY FM 89.3 to share his insights on the US Federal Reserve’s latest rate hike, the outlook for interest rates, rising Singapore T-bill yields, and what higher rates mean for REITs and our local banks.

He also discusses why gold has come under pressure despite persistent inflation, and whether it still has a place in investors’ portfolios.

Listen to this interview and share it with a friend:

Lance Alexander speaks with Cheng Chye Hsern, Head of Investment, Providend, about the US Federal Reserve’s latest interest rate hike and where rates could be heading next. With Singapore T-bill yields rising, should investors be parking more cash in T-bills, what are the risks, and what other opt...

08/10/2026

“If you pass away before your spouse and CPF LIFE is your only source of retirement income, your spouse’s retirement income would be cut in half."

In this week’s Money Wisdom episode, we continue our ‘The Brain Behind’ series, where our co-host and Associate Adviser, Sudhan, speaks with our CEO, Christopher, about his latest Business Times article, ‘Why the Best Annuity in Singapore Still Isn't Enough on Its Own’.

Watch this video to learn more: https://youtu.be/T_R3B6IJHlk

To better appreciate the discussion, you may wish to begin with Christopher's article, which provides the context behind this conversation: https://providend.com/best-annuity-in-singapore-cpf-life-not-enough/

As trusted advisers to affluent clients for 25 years this year, our...

07/10/2026

“We are just not trained to talk to clients about these aspects.” – Christopher, CEO & Founder of Providend

Watch the full video here: https://youtu.be/2uXq8Js-k8k

06/10/2026

“At the minimum, when you reach 55, you should set aside the Full Retirement Sum (FRS). But beyond the FRS, I wouldn’t put everything into topping up to the Enhanced Retirement Sum (ERS).”

We have long advocated that CPF LIFE is the best annuity in Singapore. However, does that mean retirees should rely solely on CPF LIFE for their retirement income?

As the leading fee-only wealth advisory firm in Southeast Asia, our Founder and CEO, Christopher, was on MONEY FM 89.3, sharing his insights on income gap for the years before CPF LIFE payouts begin at 65, what happens to household income when one spouse passes away, and how cash and private annuities can supplement CPF LIFE in providing a reliable income stream for retirees.

Listen to this interview and share it with a friend:

Lance Alexander speaks with Christopher Tan, CEO of Providend, about why CPF LIFE is a strong foundation for retirement income, and when it may not cover everything you need. How do you fund the years before CPF LIFE payouts begin at 65? What happens to household income when one spouse dies? And whe...

06/10/2026

In today’s world of financial misinformation, it’s easy to feel overwhelmed when trying to find reliable answers on important topics. At Providend, we are committed to being your trusted adviser, offering a safe pair of hands and a second set of eyes to help you steer clear of costly financial mistakes.

As Southeast Asia’s leading fee-only wealth advisory firm, our wealth management philosophy of making ikigai decisions before money decisions, has been shaped by decades of experience navigating financial markets through numerous crises.

We invite you to subscribe to our weekly newsletter, where you’ll receive timely insights, exclusive event invitations, and thought-provoking articles from our team of experts, empowering you to make informed and purposeful life decisions. Join our newsletter here: https://providend.com/ -subscribe

Thank you for being a valued part of our community!