Insights

Where are we? And how did we get here? If you transferred your UK pension(s) into a QROPS (Qualifying Recognised Overseas Pension Scheme) or into a SIPP (Self-Invested Personal Pension) recently, one of the motivations may have been to gain flexibility around how your cash is invested. Equally, if you had excess cash sitting in a bank account, you may have chosen to invest in the hope of making a better return than the interest your bank was offering. If you arranged this investment via a financial adviser, they will have asked you a series of questions to ascertain your

Are You Financially Independent?

Posted on December 7, 2018

Many dream of becoming financially independent but it rarely happens overnight.You can increase your chances of breaking the shackles of “working to live” if you implement these five money habits: 1. Establish Savings Goals Establish an aggressive, enthusiastic and consistent savings regime. 20% or more of gross income saved is not attainable for all. The point is to establish a disciplined savings regime earmarking a significant percentage of your salary.Automate the process using a standing order or giro like other essential contributions that are debited such as rent and utilities, after which whatever is left is yours. The trick –

Protection – why do you need it?

Posted on September 19, 2018

What is Protection? The two most critical types of personal insurance I discuss with clients are life cover and critical illness cover. The former pays a lump sum to named beneficiaries on your death, and the latter pays a single lump sum or multiple lump sums to you if you experience one of the standard list of critical illnesses (as defined by the Life Insurance Association in Singapore). You can think of each as effectively being insurance for your salary, as your salary will stop: Permanently in the event of your untimely death, and For at least an extended period
What is Navigator? Navigator is an investment platform provided by Aviva, a leading insurance and investment company here in Singapore.Navigator provides access to an extensive range of funds from which a client can choose to invest their cash, with the assistance of a licensed Financial Adviser (who will advise on which funds are suitable, based on the client’s priorities and investment profile). What funds are available within Navigator? “Extensive” is a fair description! At the time of writing, over 900 funds are available across equity, fixed income, mixed asset, commodity, money market and property asset classes, and across nine currency

National Insurance for the UK Expat

Posted on May 14, 2018

UK-domiciled expats who have worked previously in the UK and have since left to work/live overseas. Specifically (because I will be focussing on the “new State Pension” in this article): Men born on or after 6th April 1951 Women born on or after 6th April 1953 ** domicile: the country that a person treats as their permanent home, or lives in and has a substantial connection with. For most purposes, you can consider domicile to be your country of birth e.g. most British expats living offshore will still be “UK-domiciled” in the eyes of the UK tax authorities, even if
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Savings & InvestmentsInsurance & ProtectionEducation PlanningRetirement PlanningCPFSIPPPensionTax Strategies