Christopher Tan

Markets have climbed a wall of worries, ranging from geopolitical conflicts to inflation. This breeds confidence, but can easily tip into overconfidence.
MONEY WISDOM

Why the best time to build buffers is when everyone is confident

2026-08-14T07:00:00.000Z
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