Christopher Tan

We treat retirement as a destination, but it is really the beginning of a different kind of life, one that will involve several distinct phases.
MONEY WISDOM

Are you really ready for retirement? Three questions will tell you

Errant investment advice on CPF Life and ILPs could compromise retirement adequacy in the long run.
MONEY WISDOM

The retirement advice that worries me the most

Money is only ever an enabler. Before a financial decision is made, an ikigai decision must be made first. What is the good life you want to live in the next phase?
MONEY WISDOM

The five-year runway – what pre-retirees should start doing

CPF members should note that their savings in the life-cycle portfolios will be invested in financial markets and privately managed.
MONEY WISDOM

Before life-cycle portfolios: A primer on how CPF really works

In the long run, gold’s return profile has lagged stocks and bonds. Over decades, gold’s annualised returns tend to be modest.
MONEY WISDOM

Gold: Is now the time to buy?

Sufficiency is about building enough financial margin to withstand life’s uncertainties; maintaining healthy cash flow; reducing excessive leverage; and becoming resilient.
MONEY WISDOM

How to thrive in a messy world

When spending serves what we value most in life, it becomes an asset, not a liability.
MONEY WISDOM

Taking stock of your return on spending

Legacy and estate planning has evolved from a "lawyer-only" or "trustee-only" model, to a multidisciplinary, team-based approach.
MONEY WISDOM

Beyond the trust deed – a team-based approach to legacy planning

The Higashiyama Niseko Village in Hokkaido, a Ritz-Carlton Reserve property of the Ritz-Carlton group, where the author vacationed.
MONEY WISDOM

When knowing too much makes you poor: A lesson from the Ritz

In an investment-linked insurance policy, high charges may well eat into your "welcome bonus" units.
MONEY WISDOM

Investment-linked insurance plans: That welcome bonus could cost more than you expect