Chingyee, 20 Collyer Quay, #01/02, Singapore (2026)

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01/01/2024

2024 has finally begun. What new habits you would like to pick up?

Is it to start heading to the gym, or to save more money, or to having more fun this year?

My 2023, I had great breakthrough in my earning income. I had other breakthroughs in my investment portfolio as well. My communication with Clients and others had improved.

So much so, I can’t wait to start 2024 working on myself. What about you?

As a financial advisor, my role is to understand about money, befriend money. I study my relationship with money and I’d like to make a relationship with you and yours, so we can set up expectations, disciplines and commitments.

All 3 pointers can be easily achieved by setting up a system and following through. There are many opportunities to help money growth.

I was reminded by a Client that it is important to top up CPF tax relief on 1st Jan to maximize interest returns on money. I take notes like these and share with you, in hopes that your relationship with your money prosper.

In 2024, I will be sharing more tips and highlight timely opportunities so that you can benefit safely.

Onward to a smashing New Year!

31/10/2023

I was reading a flyer on housing transaction as I enjoy my morning coffee. It truly amazes me, that a span of 20 years, the transaction prices of house in my area are closing to a million.

Back when I was 24, I had the urge to own my space. Back then I was desperately trying to accumulate $50,000 for the down payment of a HDB 5 room flat. (In fact, this is not as much as it is needed today.) When I realised that my then job would not bring me any closer to my goal, I went searching for a new one.

I was convinced that we have an opportunity due to the age 35 singles ruling that I will have more time to accumulate more money for better choices. By 35, more regulations were in place and more considerations to be thought through.

I was quite worn out. I decided to think less and accept what is needed at this time and age. I became happier, my bandwidth has gone wider to accept more task that needs to be done.

At this point this is what I feel about life: take a breather and enjoy what you have accomplished so far. Do not settle for less and build a life you wish with what you have. Life is too short for regrets.

24/11/2022

I am always trying to manage this 2 perspectives: Expectation(transferring money into an investment platform thinking the all roses are red and beautiful) vs Reality (application of investment strategy and waiting for the strategy to do the work seeing the results).

In life we feel reassured when we know where we are heading and what to expect.

But in the world of investments (which we need), there are many twists and turns. Even long time experienced investors will feel the stress when they need to decide what to do next.

Here’s a good way to start:
Set a goal
List out specific steps to achieve the goal
Follow the guide
Re-evaluate the guide when needed

Here’s the best way to hitting the goals:
Get a professional person you trust to help you out

17/11/2022

As I go through my client's investment portfolio, I feel that if I am not here to give guidance, they perhaps will be in a limbo to decide on what will be the next best choice to make for their investments in the stock market.

Do you feel the same? Faced with the reds, knowing that it is an opportunity for huge discount but not doing the logical move of investing more? Or look at what you have already invested in the past and fail to realize, there are strategies you could use to better set your investment ready for the upcoming bull market?

I have been preparing myself for my clients since the pandemic started. I am excited to see if what I we can reap with each opportunity.

So friends who are reading this, IF you have a portfolio and you felt s**t about it yet not knowing what to do, get someone professional to go through with you. You will see that there are areas you could better prepare your invested funds for the bull.

If you have yet to start. This is the time. Get started.

03/11/2022

"Adulting is hard". Heard that phase before? My question to you will be, how hard can it be when you don't know what is coming for you?

Before you let loose of your mind and crack your brain on what to prepare for, I would always focus on what I have now. Is my income enough to support my daily needs (food, transport, insurance, phone bills, housing bills, wifi bills and of course the daily change of clothes etc.)

Don't think too far ahead. It will paralyze you for sure. Take a breather. Everyone goes through the same course of life. Many made it, some don't and others are still trying.

There is tutition for everything. Looking for a tutor? wink

26/10/2022

I am seating at Joe & Dough minding my own business, sipping on my coffee. But I cannot help hearing conversations that are happening around me at the same time. Those that had my attention are mainly those about life choices, money choices and spending choices. I am not a busybody but my ears have no filter.

Interesting enough, the common conversations surrounds money in bank. There will be daily rants on how the banks are not giving back to their customers. Now that the fix deposit rates look appetising enough, you’d be wondering how much and how long should the tenor be? There are no right or wrong answer. My rule of thumb as always: emergency fund of 3x expenses in the bank, a systematic investment strategy in place (buy stock as and when I like it does not count), the rest can be stored into a fix deposit in today’s time with the minimal tenor. Because with the ever changing human behaviour, opportunities do pop up faster than before.

I read and deal with different money scenarios that perhaps I do have onto your current money pot?

Won’t you like to have a notification when a new opportunity comes?

Address

20 Collyer Quay, #01/02
Singapore
049319

Website

http://pppartners.sg/

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