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

2026-06-19T07:00:00.000Z
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

2026-05-22T07:00:00.000Z
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

2026-04-24T07:56:09.000Z
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

2026-03-23T10:55:36.000Z
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?

2026-02-16T03:13:13.000Z
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

2026-01-26T09:07:53.000Z
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

2025-12-22T07:36:34.000Z
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

2025-11-17T05:05:56.000Z
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

2025-10-20T07:51:11.000Z
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

2025-09-22T09:57:51.000Z