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Personal Finance

How to rebalance your portfolio for retirement
By Ryan Ong on April 21, 2017
Building your portfolio is not a one-off event. Even if all your investments are passive, the portfolio has to be “tweaked” now and again, to...
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How to choose which CPF LIFE retirement plan is best for you
By Ryan Ong on March 10, 2017
In the past, CPF retirement options were confusing. There used to be 12 different methods of getting your pension which only had subtle differences. This...
5 things Singaporeans must have by the time they’re 50
By Ryan Ong on March 3, 2017
“How much do I need to retire?” That’s the question that makes financial advisors and wealth managers sigh. It’s impossible to answer because it can...
3 ways to make an extra $1,500 a month when you retire
By Ryan Ong on February 21, 2017
When it comes to financial planning, small and specific goals are best. Aspiring to make $15,000 or $25,000 a month without working is all well...
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How hoarding money in the bank can destroy your retirement
By Ryan Ong on February 15, 2017
Despite plenty of better options, many Singaporeans are still stuck with fixed deposits. Some of us are plagued with a “winning by not losing” mentality,...
2

4 common budgeting strategies (that never work)
By Ryan Ong on January 12, 2017
The best way to learn about budgeting is to eat food court Yong Tau Foo three weeks in a row. Because when you’re broke, that’s going...
How to avoid paying your full credit card interest (even if you can’t pay back the full sum)
By Ryan Ong on December 15, 2016
You really shouldn’t have any credit card interest. With just basic financial planning, you can ensure credit cards are only a mode of payment; not...
17

Top 10 ways how billionaires actually make their money
By Adam Wong on December 13, 2016
Forbes 400 did a quick survey to find out how the 400 billionaires on their list actually made their money. Out of these 400, 127 inherited their billions (which...
Budgeting comes second – and other habits of the rich
By Ryan Ong on December 8, 2016
Everyone’s path to wealth is a little bit different. Usain Bolt can sprint his way to fame and fortune, but J.K. Rowling can’t. Then again,...
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6 affordable ways to invest for the average Singaporean
By Ryan Ong on December 1, 2016
We get it, not everyone has $100,000 to sink into a well-diversified portfolio. But you have to start somewhere, or you’ll never be in that...

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