Mind the Gap

MIND THE GAP

Should you drop your Integrated Shield Plan? This health scare offers insights

A HEALTH scare that my husband suffered last month surfaced some perspectives on why a significant number of people, particularly seniors, may consider giving up their Integrated Shield Plans (IPs).

Hamilton Reiner, JPMAM managing director, believes options should be used for outcomes and not for leverage.
MIND THE GAP

Derivative-income funds offer attractive yields – if you can accept the trade-off

[SEOUL] Vetaran fund manager Hamilton Reiner, who pioneered equity premium income funds for JP Morgan Asset Management (JPMAM), speaks with a kindly, almost professorial cadence that belies his star p...

Morningstar suggests the concept of "dynamic" withdrawals, where a retiree adjusts his amount of withdrawals based on the performance of his portfolio.
MIND THE GAP

New glidepath funds debut, but withdrawal rate in retirement remains a puzzle

Investors have to decide how much to withdraw, and are caught between the fear of outliving their funds or delaying joy too much

Supplements for ElderShield/CareShield Life offered by private insurers cover a range of benefits going well beyond the basic schemes.
MIND THE GAP

CareShield Life supplements: An extra hedge against rising long-term care costs

For ‘super-aged’ Singapore, heavy burden of care falls on public health services, families and personal finances

Prudential posts the strongest returns among insurance participating funds in 2024, but says it would be "wise to be even more prudent" in 2025.
MIND THE GAP

Insurance par funds post robust returns in 2024; cautious stance for the longer term

Interest in such products seems be waning, as a strong equities market boosts appetite for investment-linked products

Erin Browne, Pimco managing director and portfolio manager, says the 60/40 portfolio (60% bonds, 40% stocks) has proved its resilience over more than 30 years.
MIND THE GAP

How reliable is the 60/40 portfolio in downturns? Adding private debt not a panacea

Analysts warn that amid limited fiscal space, a genuine credit default cycle may unfold for the first time in years, catching many investors unprepared

The rising frequency of armed conflicts and military procurement is a sign that a "unipolar" world is ending, says BCA Research.
MIND THE GAP

Grasping the mettle of geopolitics in portfolios

A sustained increase in infrastructure and defence spending can have long-term implications

Trump's tariffs and his on-again off-again approach weigh on US dollar assets. But hedging a weaker USD – the consensus view – is currently costly.
MIND THE GAP

Weighing portfolios’ greenback exposure: US exceptionalism has ‘room to run’

The US dollar’s status as a safe-haven asset is being eroded on tariff and economic uncertainties; the downgrade of the US’ credit rating; and looming questions on the US’ debt sustainability

Global temperatures are rising, and climate commitments are under threat, even as war has intensified carbon emissions.
MIND THE GAP

Are investors hitting the ‘pause’ button on sustainable investing?

Morningstar data shows ‘record-high’ outflows for global sustainable funds mainly in the US, but also, to a more modest degree, in Europe

The S&P 500 ended last week up by 5%, but US Treasuries appear to be pricing in higher recession and inflation risks.
MIND THE GAP

Insights and strategies to help investors hold their nerve

An awareness of history and a disciplined investing approach through dollar-cost averaging could tune out emotions and impulses that can be damaging in the long run