Ultimate Guide to Investing Using SRS Account (2023 Update)
Why investing using SRS is critical to help you save on taxes and make your cash work harder for you. Here are the 10 investments you can make.
April 14, 2023
Personal Finance Sub-Category:
Retirement
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Net worth by age: How much should you have to retire well
Net worth by age: What should your net worth be at each stage of your life so as to be able to retire comfortably?
April 11, 2023
How much to retire in Singapore?
Are retirement expectations too high? Retirement is a pretty touchy topic for most people and here in sunny Singapore, it is no exception. While most of us will like to
September 9, 2021
Saving money could ruin you financially. What you should do instead.
Saving money: Wise or folly? From young, we were taught the virtues of being thrifty and to “save for a rainy day” by our parents. Our parents were taught to
June 14, 2021
How to become a millionaire even with the worst market timing
Worst market timing: Why that does not matter Some NAOF readers are expressing their concerns over the current state of the stock market. The mismatch between economic “reality” and the
January 15, 2021
Early Retirement Plan – A 9-Steps Ultimate Guide
In this article, I will bring you through a step-by-step guide in setting up your early retirement plan. Planning your retirement should not be done when you are in your
November 18, 2020
The IDEAL retirement portfolio structure
The NAOF-DIY portfolio I have written on numerous occasions that the New Academy of Finance (NAOF) retirement portfolio structure, one that works on the premise of the 4% withdrawal rule,
February 25, 2020
Bear market: We could be getting close
Coming to a potential inflection point At 126 months, the US is in its longest economic expansion in history, breaking the record of 120 months of economic growth from march
February 18, 2020
A better alternative to Dollar Cost Averaging?
Dollar-cost vs. Lump-sum Dollar-cost averaging is the strategy of breaking down a large sum of money and periodically deploying these smaller chunks of funds into investable assets such as stocks/bonds
February 5, 2020
Don’t let Sequence of Returns Risk be your retirement pooper
Sequence of Returns Risk could be your major party pooper Imagine a hard-working individual name John who started saving and investing early and amassed a nest egg of $1m in
January 24, 2020
Generating “risk-free” returns using SRS and the art of withdrawal
Supplementary Retirement Scheme (SRS) Plenty has been written on the Supplementary Retirement Scheme (or SRS for short). This is a voluntary scheme that complements one’s CPF savings for retirement. You
January 21, 2020
Is drinking Latte really costing you $1 million and the chance to retire well?
Can we enjoy our Latte and still retire well? If you are like millions of people around the world who spend a $5-6/day, 5 days a week, on a nice
January 13, 2020
Inflation: Don’t ignore this silent retirement killer
Not much has been written about Inflation. However, it is one of the Four Key unknowns that affect one’s retirement plan. Granted that inflationary pressure has been low in the
January 7, 2020
The Recession-Proof Portfolio that wins in ALL scenarios
We have written in a previous article why a 60:40 equity to bond portfolio composition (Portfolio 1) isn’t the ideal structure for a retirement portfolio using the 4% withdrawal rule.
December 26, 2019
Why 60:40 equity/bond allocation isn’t the ideal structure for a 4% withdrawal rule portfolio
Creating the ideal 4% withdrawal rule portfolio I believe that some of you would be familiar with the 4% retirement rule. In a simple nutshell, this is the amount of
December 18, 2019
The Confusing Math behind Retirement Sum Scheme aka CPF LIFE predecessor
I tried to calculate the math behind the Retirement Sum Scheme and unfortunately, that did not work out for me. I hope that some expert can enlighten me on that.
December 16, 2019
