Janice Financial Planning

Looking for a personal accident plan for yourself and your family? IPP recently collaborated with FWD insurance to introduce FWD Life PA, a personal accident plan that offers:
✅ Guaranteed renewals till age 100
✅ Lifetime No Claim Discount of 10%
✅ Unique riders to enhance your accident coverage
T&Cs apply.

From now until 30 November 2024, enjoy 25% off your first-year premium on FWD Life PA.

Apply for this product online using my link: https://www.fwd.com.sg/general/disclaimerRedirect?utm_source=IPP&utm_medium=SMART&utm_campaign=IPP&promoCode=IPPFWD&product=AP1&utm_content=NzAwMDAwMTQ=and

I will receive a fee as introducer upon successful purchase.
Note: This product is sold online by FWD with no financial advice required.

Serious illness can strike anyone of us anytime. Doesn't matter if we eat healthy, exercise. This thing is super random (maybe there's scientific backings but I'm not science trained).

So..keep a healthy mindset. Hope for the best and prepare for the worst 😣

A Singapore stroke survivor’s hard fight towards recovery Stroke is the fourth leading cause of death in Singapore, and one in four who suffers a stroke is under 60 years old. Ahead of World Stroke Day on Oct 29, The Straits Times follows the journey of a stroke survivor.

Embrace the pursuit of perfection, and you'll find excellence along the way!

James Clear, author of Atomic Habits, succinctly captures this essence: “You don’t rise to the level of your goals. You fall to the level of your habits and systems.”

for your sunday breakfast read 🍞🍳☕

Elevating your financial journey with good money habits GOAL-setting is usually the first step in setting up a financial plan. However, while goals can provide direction, simply setting them is not enough. Read more at The Business Times.

🌟 “In today’s dynamic market, where volatility is the norm, strategic decisions matter more than ever. Our IPP Eagle Eye program serves as your vigilant co-pilot, tirelessly monitoring and rebalancing your investment portfolio. Whether it’s optimizing asset allocation, seizing growth opportunities, or mitigating risk, we’ve got you covered. 🐥🙌

Trust us to navigate the turbulence while you focus on your financial goals. 🦅🔍📈

Janice Financial Planning

T-bill yields hit a 30-year high of 4.4 per cent in December 2022 amid a high interest rate environment.
Another 30 year wait?

Latest Singapore 6-month T-bill cut-off yield falls to 3.4% THE cut-off yield on the latest Singapore six-month Treasury bill (T-bill) slid to 3.4 per cent, based on auction results released by the Monetary Authority of Singapore (MAS) on Thursday (Aug 1). Read more at The Business Times.

Effortless is a myth.

Roger Federer Just Gave the Best Graduation Speech I’ve Ever Heard. He Summed It All Up in Just 14 Words In his commencement speech for the 2024 graduating class of Dartmouth College, tennis great Roger Federer gives a master class in emotional intelligence.

📣📣PSA

Dear friends,

Join us for our exclusive webinar, "𝙉𝙖𝙫𝙞𝙜𝙖𝙩𝙞𝙣𝙜 𝙮𝙤𝙪𝙧 𝙞𝙣𝙫𝙚𝙨𝙩𝙢𝙚𝙣𝙩𝙨 𝙞𝙣 2024", and discover the insights and strategies you need to thrive in today's dynamic market.

Let's take control of our wealth and create a brighter financial together 🪄🪄

If you are interested to join, pls pm me for registration link 🙂

"The changes to the CPF system are a wake-up call for everyone to empower themselves with financial knowledge, understand the need to invest, their risk profile and the wide range of investment options.

In addition to leveraging government schemes to grow your nest egg, do reach out to professional wealth planning managers to help close your gaps and boost financial resilience."

Closure of CPF Special Account: What’s next? NEWS that the Special Account (SA) of the Central Provident Fund (CPF) will be closed from early 2025 for those aged 55 and above has thrown a spanner in the retirement plans of some CPF members, particularly those who have substantial SA savings after turning 55. Read more at The Business Times.

https://blog.seedly.sg/true-cost-cancer-treatment-singapore/

Can You Afford Cancer Treatment? An Insight On The True Cost Of Cancer Treatment In Singapore Can you afford the cost of cancer treatment in Singapore? Each year, 16,760 Singaporeans get diagnosed with cancer. How can we help?

Learn the difference between emergency funds and insurance and understand the situations where each can come in handy!

Personally, the cost of a financial crisis can be very hefty. Always ensure we have good insurance to protect for unplanned situations 🧐🧐

Good roundup for 2023!

"2023 did not really play out in the way most investors expected. Stocks were supposed to underperform as policymakers’ aggressive tightening threatened a recession. However, the US economy remained resilient, showing that it has become less sensitive to higher interest rates. Even with a regional banking crisis and rising geopolitical tensions around the world, the economy and financial markets remained firm."

More at the link below:
https://secure.fundsupermart.com/fsmone/article/rcms285622

As always, do look at planning ahead and be prepared to ride through ups and downs for best optimisation for our financial portfolios 🐥👾

Happy to journey with you Financial Planning

Top Equity Funds of 4Q23: The winners (and losers) as stocks ended the year on an unexpected high | FSMOne Singapore We take a look at the best and worst-performing equity funds in 4Q23 and share how you can position your portfolio as the new year unfolds.