Do I need to plan for Retirement till Age 99?

Retirement to me, is when as an individual, I am able to choose whether I “want” to work and not whether I “have” to work. Some people amassed enough to live by, based on their current lifestyle for the rest of their lives, but still remain in the workforce to keep themselves active. To possessContinue reading “Do I need to plan for Retirement till Age 99?”

Defer RSTU cash top-up till Income Level reaches higher tax bracket, yay or nay?

Taxes are essential for nation-building and developing Singapore into a stronger community, a better environment and a more vibrant economy. While it is crucial for the nation to collect more taxes; taxes at the same time is an expense out of the pocket for an individual — reducing the amount of taxes payable through legitContinue reading “Defer RSTU cash top-up till Income Level reaches higher tax bracket, yay or nay?”

Double whammy on retirement plans: No dividends distributed and capital loss on paper

I thought it would be interesting to revisit an actual investment case example that was published in February 2017 and critic on whether it would work today. Everyone loves an inspirational story, will the following work or kill your retirement plans for you today? This article appeared in the Hong Kong Economic Journal on Feb.Continue reading “Double whammy on retirement plans: No dividends distributed and capital loss on paper”