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HWP Sharing

Turning the Page: Smart Financial Moves for Year-End and Beyond

Author: Simon Foo
Date: 26 December 2024

As the year comes to a close, it’s natural to reflect on your accomplishments and look ahead to the opportunities a new year can bring. When it comes to finances, it is especially good to end this year with purpose and start the new year with a strong foundation . Here is a step-by-step guide to wrapping up 2024 and starting 2025 with clarity, focus, and discipline:

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Our Success Story – GI Case Study

Author: Evelyn Lee
Date: 26 December 2024

As the festive season approaches, many are gearing up for their long-awaited trips. 🌏✈️

Here’s a valuable tip: always purchase travel insurance as soon as your flight tickets are confirmed.

No matter the destination, long or short, being prepared makes all the difference.


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Home loan rates not coming down yet but banks offering more flexible mortgage packages

Author: Louis Koay & Evelyn Lee
Date: 28 September 2024

Last week’s significant interest rate cut by the United States will have minimal short-term effects on home loans in Singapore. Local banks noted that the US Federal Reserve’s 50-basis-point reduction was anticipated and has already been factored into fixed-rate mortgage offerings.

Louis Koay, Senior Financial Services Director and Evelyn Lee, Wealth Manager at Phillip Wealth Advisory, share their views on this topic.

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Strategising Your Investment Portfolio in a Changing Interest Rate Landscape

Author: Louis Koay
Date: 29 August 2024

Understanding how to navigate a changing interest rate environment is crucial, as interest rate movements can significantly impact market dynamics. Over the past two years, we’ve experienced a cycle of rate hikes, starting from near 0% in early 2022 to a current risk-free rate of 3% to 4%. This shift has led to substantial inflows into deposits and short-term savings. However, with market sentiment now expecting rate cuts in 2024, it is essential to strategise your portfolio to adapt to this evolving landscape. Here are some key reasons why adjusting your portfolio is important as interest rates peak and are likely to decline soon.
 

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Without Planning, Wealth Transfer can be a Destructive Force

Author: Evelyn Lee
Date: 29 May 2024

Disputes over inheritance, financially strained parents and other complications of wealth transfer are amongst the common challenges families face in Asia.
Evelyn Lee, Wealth Manager at Phillip Wealth Advisory, shares her views on this topic.
 

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Morning Shot: Money Not Enough! Do You Suffer From Money Dysmorphia?

Author: Darien Lee
Date: 1 April 2024

Do you know what money dysmorphia is and whether you suffer from it?
Well, it’s a feeling of financial insecurity and sentiments of inadequacy even when the reality is far from what’s perceived. In fact, a recent survey warns that almost half of Gen Z and millennials experience it!
On this episode of Morning Shot, Darien Lee, Wealth Manager at PhillipCapital shares his insights on this phenomenon and what steps can be considered to prevent yourself from taking the appropriate steps towards achieving your financial goals.

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[SMART Park] Unlock Prosperity with 5 Sure-Fire Financial Instruments!

Author: Darien Lee
Date: 14 February 2024

In Singapore, the concept of guaranteed returns may evoke the spirit of prosperity, reminiscent perhaps of red envelopes received during the Chinese New Year celebrations. Unlike the sense of goodwill received in red envelopes for no effort, guaranteed returns come from investment products or financial instruments we opt. They offer a specified and assured rate of return over a defined period. With that in mind, here are some financial instruments that provide guaranteed returns and evoke a greater sense of security!
 

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[SMART Park] 8 HUAT Secrets to Financial Triumph in 2024!

Author: Alice Tng
Date: 2 February 2024

As we embark on a new year with hopes of new possibilities, many individuals set New Year’s resolutions and goals, for self-motivation.

While health, personal growth, and career objectives often take precedence, it is important not to neglect our financial aspirations. Rest assured, PhillipCapital has you covered with 8 HUAT Secrets for achieving Financial Triumph, to ensure a prosperous beginning to your 2024 journey!

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Are you worth more dead or alive?

Author: Steffi Teo
Date: 8 August 2023

Midway through 2023, we found ourselves persistently grappling with high inflation rates and interest rates. During these hard times, one may begin to question their financial status and wonder: “Are we worth more dead or alive?” Thus, risk planning becomes crucial to boost resilience in this uncertain environment.

So what exactly is risk planning and should we avoid the word “insurance” when we seek answers about our financial portfolio? In our current world of high expenses and rising costs, it’s essential to understand the true significance of insurance and risk management to fully capitalise on its benefits for your portfolio. Some people joke that they are worth more when dead. Shouldn’t our present worth be greater before death? Therefore, one should never over-insure or buy unbeneficial plans plainly out of fear without understanding if the plans fulfil their needs.

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Are Financial Advisors and Stockbrokers still relevant?

Author: Louis Koay
Date: 14 April 2023

Commission-free trading, robo-advisors, free will-writing, commission rebates, free stocks for new account openings. These are the upcoming trends and product features that we have noticed in the last few years. New entrants are slashing commissions and offering freebies to capture a slice of the market share from traditional financial advisors and stockbrokers.

Why pay for traditional financial advisors and stockbrokers when you can do-it-yourself (DIY) at a cheaper price? In this article, I will focus on how I see the future of traditional financial advisors and stockbrokers.

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