Mind the Gap

MIND THE GAP

Redemption gates in private credit: stress signal or protective feature?

Gating isn’t a denial of investors’ rights, but a mechanism to protect the interests of the fund and investors

Oil prices have shot up and down in the wake of the US-Israeli strikes on Iran and subsequent developments.
MIND THE GAP

How scary is geopolitical risk? Oil price is key

Developments in the Gulf conflict are testing investors’ penchant to buy the dip

Large policies like indexed universal life are a tool in legacy planning as their cash payout makes it possible to equalise the distribution of an estate to heirs, unlike real estate or a business.
MIND THE GAP

Indexed universal life plans hit the sweet spot among wealthy and mass-affluent clients

Demand for such jumbo policies is driven by rising wealth creation in Asia-Pacific

Carlton Crabbe, chief executive of Capital for Life, says most problems in indexed universal life arise not from fees, but from unrealistic expectations or clients failing to fund the policy consistently and on time.

Points to consider before you commit to an indexed universal life plan

It is important to revisit the plan periodically, and ensure that you are able to consistently fund the premiums

The Lifetime Retirement Investment Scheme may finally come to fruition for the CPF, giving an option for those who wish to use their CPF money to invest in a low-cost portfolio to beat inflation and the Ordinary Account interest rate of 2.5%.
MIND THE GAP

Glide-path portfolio for the CPF’s LRIS: an idea whose time has come

Here are six reasons to revive the Lifetime Retirement Investment Scheme with a mechanism that lets investors ratchet up or taper off risk-taking

Traders at Hana Bank in Seoul, South Korea. The country's efforts to improve governance through its Corporate Value-Up Programme has yielded results; the South Korea Value-Up Index recorded an 89.4% gain at end-2025.
MIND THE GAP

Strides in governance could help Asian markets challenge US exceptionalism

But the US’ strength lies in its edge in corporate governance – investors enjoy legal clarity, shareholder empowerment and deep, liquid capital markets

Finances are important, but are not everything. Non-financial and intangible assets arguably go a longer way towards enabling a more fulfilling life, than financial assets alone.
MIND THE GAP

Fancy one or more mini-retirements? Start planning early for a multi-phase life

A recent survey by HSBC finds that most Singaporeans plan for two to three mini-retirements over their lifetime

Singapore's hospital bed crunch is set to ease. Between 2025 and 2030, another 13,600 beds will be added to the healthcare system.
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