Providend's Money Wisdom

For the past 22 years, our CEO, Christopher Tan, has always been at the front line to share more about the humble beginning of Providend and how we persevered despite all the hardships faced to tirelessly journey along side our clients as their trusted wealth adviser.In this episode (which coincides with our 22nd birthday!), we specially invited two of Providend's founding members, Loh Mei Kuen and Vincent Tey, to share their reflections as they recount their initial experiences at the firm and their hopes for the future of Providend.As mentioned in the episode, we are hosting a webinar titled 'How Providend Ensures Reliable Investment Returns for Your Life Goals' tomorrow on 12 September. If you are interested in joining this webinar, kindly register for it here: https://us06web.zoom.us/meeting/register/tZ0tf--vqjwvEtD2GgFVYZ7pD-eJ_qC3--YXMeanwhile, stay tune for our next episode with a special guest where we discuss further on the value of wealth advice!The host, Christopher Tan, is Chief Executive Officer of Providend, Singapore’s first fee-only wealth advisory firm and author of the book “Money Wisdom: Simple Truths for Financial Wellness”.View the full list of podcast episodes published: https://providend.com/providends-money-wisdom-podcast-season-2/Music courtesy of ItsWatR.

With the recent COE prices reported to be at an all-time high, the idea of owning a car in Singapore has become even harder to justify.In this episode, our Client Adviser, Ray Zheng, shares the deep conversations he had with some of his clients to better help them determine where car ownership ranks in terms of their other important life priorities and key considerations before making a car purchase that can actually make 'financial sense'.Meanwhile, stay tune for a special episode next week in celebration of our 22nd birthday!The host, Isaac Ong, is Associate Adviser at Providend, Singapore’s First Fee-Only Wealth Advisory Firm.View the full list of podcast episodes published: https://providend.com/providends-money-wisdom-podcast-season-2/Music courtesy of ItsWatR.

In this fast-paced financial landscape where businesses are in pursuit of faster revenue, interactions between wealth advisers and clients are highly transactional such that the value is often placed on the sale of products and not actual advice itself.In this episode, our CEO, Christopher Tan, shares what value you should be expecting from your adviser and emphasises the importance of consumers’ demands in improving the overall financial landscape. Meanwhile, stay tune for our next episode where we share our views on buying a car in Singapore, balancing lifestyle goals and financial considerations.The host, Nataly Ong, is Deputy Head of Brand Experience at Providend, the first fee-only wealth advisory firm in Southeast Asia and a leading wealth advisory firm in Asia.View the full list of podcast episodes published: https://providend.com/providends-money-wisdom-podcast-season-2/Music courtesy of ItsWatR.

"When you say people get free advice here, I laughed because in the end when you think about how this world works, nobody works for free. So you are paying for what you are getting somehow.And in my mind, if you’re specifically paying for advice, to me, it’s a much more transparent set up than getting free advice or freebies packaged in some other ways that I don’t fully know. I’m less comfortable with that.”In this episode, Head of Investment Research at Dimensional Fund Advisors, Dr Wei Dai, shares her concerns towards “free advice” and key considerations when finding a suitable wealth adviser, especially as an expert in her field.Meanwhile, stay tune for the next episode where Chris discusses more about his latest article on The Business Times!The host, Christopher Tan, is Chief Executive Officer of Providend, Singapore’s first fee-only wealth advisory firm and author of the book “Money Wisdom: Simple Truths for Financial Wellness”.View the full list of podcast episodes published: https://providend.com/providends-money-wisdom-podcast-season-2/Music courtesy of ItsWatR.

Recession, the pandemic and shifting demographics are intensifying the pressures on the ‘sandwich generation’ – those taking care of both their elderly parents and young children. This can put a strain on not just their finances but on their emotional and time capacity as well.In this episode, our Advisory Team Lead, Loh Yong Cheng, shares his personal challenges balancing the roles, responsibilities and obligations as a sandwich generation and provides useful tips on how to manage these challenges in the various aspects.Meanwhile, stay tune for our next episode with a special guest on the value of advice!The host, Isaac Ong, is Associate Adviser at Providend, Singapore’s First Fee-Only Wealth Advisory Firm.View the full list of podcast episodes published: https://providend.com/providends-money-wisdom-podcast-season-2/Music courtesy of ItsWatR.

Estate planning is an essential component of both life and wealth planning that is often overlooked. Neglecting this critical aspect can lead to dire consequences, leaving loved ones with unnecessary burdens and financial challenges.In this episode, our Head of Solutions, Eddy Cheong shares the three key areas of estate planning – Distribution, Creation and Preservation, as well as considerations when crafting your estate plan so that the transfer of your estate, upon your unfortunate demise, can be transferred to your intended recipients without any unnecessary delay or unexpected situations that may complicate the entire distribution process.Meanwhile, stay tune for our next episode where we share wealth planning tips for the sandwich generation! The host, Isaac Ong, is Associate Adviser at Providend, Singapore’s First Fee-Only Wealth Advisory Firm.View the full list of podcast episodes published: https://providend.com/providends-money-wisdom-podcast-season-2/Music courtesy of ItsWatR.

As we appear to take a 'passive' approach to investing by not doing the typical tactical asset allocation (TAA) or market timing approach, many seem to think that nothing much is done once a client invests with us. So, why should clients pay us an ongoing advisory fee if we take a 'passive' instead of an 'active' approach to investing? In this episode, our CEO, Christopher Tan, explains why Providend uses the Ibbotson-Chen Earnings Model, when crafting our client's wealth plan, to properly estimate the future expected returns of the stock markets and how our investment approach has shined during the market downturn in 2022.Meanwhile, stay tune for our next episode on the 3 main aspects of Estate Planning – Distribution, Creation & Preservation!The host, Nataly Ong, is Deputy Head of Brand Experience at Providend, the first fee-only wealth advisory firm in Southeast Asia and a leading wealth advisory firm in Asia.View the full list of podcast episodes published: https://providend.com/providends-money-wisdom-podcast-season-2/Music courtesy of ItsWatR.

In the past quarter, we have seen multiple trends emerging in the investment market, most notably the buzz around artificial intelligence (AI). Many investors watching the AI trend are curious about how to get exposure, hunting for undervalued opportunities in an overvalued space.In this episode, our Research Analyst, Lim Choon Siong, summarises key market events that happened in the past quarter and explains what long-term investors like us should do to get the returns we truly need.Meanwhile, stay tune for the next episode where Chris discusses more about his latest article on The Business Times!The host, Isaac Ong, is Associate Adviser at Providend, Singapore’s First Fee-Only Wealth Advisory Firm.View the full list of podcast episodes published: https://providend.com/providends-money-wisdom-podcast-season-2/Music courtesy of ItsWatR.

The total cost of university education can range from $100,000 to $1 million in SGD today, depending on many factors such as country, university, academic field, degree level, inflation, and foreign currency exposure. It is not a small amount to set aside and requires a well-considered financial plan to achieve successfully.In this episode, our Solutions Specialist, Tan Choong Hwee, and our Insurance Executive, Ma Jiamin, share their overseas education experience as well as a step-by-step guide to planning for your children’s education.Stay tune for the next episode where we look back at the events that have shaped the markets over the past quarter and share the market outlook for the rest of the year!You can read the 2-parts article titled Wealth Planning for Your Child's Tertiary Education here:Part 1: Setting a Financial GoalPart 2: Achieving the GoalThe host, Isaac Ong, is Associate Adviser at Providend, Singapore’s First Fee-Only Wealth Advisory Firm.View the full list of podcast episodes published: https://providend.com/providends-money-wisdom-podcast-season-2/Music courtesy of ItsWatR.

*Due to unforeseen circumstances, we will be postponing the episode on Investment-linked policies to a later date. Do keep a look out for it in the coming months and meanwhile, we hope you will find this new episode useful!*At Providend, we divide the whole process of planning for our demise into 3 stages – End-of-life planning, Legacy & Estate planning and Administration.In today's episode, Chris delves deeper into the End-of-life planning process where he explains what Advance Medical Directive (AMD), Lasting Power of Attorney (LPA) and Advance Care Plan (ACP) are for and why we need to get these important documents done early, when we are in good health.Stay tune for our next episode where we share tips on how you can plan well ahead for your children’s tertiary education, especially if you intend to send them overseas!The host, Isaac Ong, is Associate Adviser at Providend, Singapore’s First Fee-Only Wealth Advisory Firm.View the full list of podcast episodes published: https://providend.com/providends-money-wisdom-podcast-season-2/Music courtesy of ItsWatR.

One of the most challenging aspects of insurance planning is determining how much coverage you need. Buy too little insurance and you won’t have enough to get through a tough situation when you actually need it to do its job the most. Buy too much insurance and you’re wasting money every month on premiums when you could be saving more for retirement or another long-term goal.In this episode, Mike Zhang, our Insurance Specialist, shares the must-have insurance you need at the different life stages (yes, they vary at every stage and hence it's important to do an insurance review regularly) as well as key considerations to take before you purchase your next insurance policy.Meanwhile, stay tune for the next episode where Mike shares his expert opinions on a relatively debatable topic - Investment-linked Policies (ILP)!The host, Isaac Ong, is Associate Adviser at Providend, Singapore’s First Fee-Only Wealth Advisory Firm.View the full list of podcast episodes published: https://providend.com/providends-money-wisdom-podcast-season-2/Music courtesy of ItsWatR.

Did you know that back in 2013, a panel set up to review the financial advisory industry has rejected an outright ban on commission for financial advisers in Singapore?In this episode, Chris shares his thoughts behind this matter, one that is close to his heart, and also elaborates further as to why the commission-based approach actually makes more economic sense for individuals with less complex needs as well as ways on how we, as consumers, can mitigate this conflict of interest if we choose to engage a commission-based adviser.Meanwhile, stay tune for the next episode where we discuss how your insurance plan differs depending on your life stage.You can find the original article of Mitigating the Conflicts of Interest in the Financial Advisory Industry here.The host, Nataly Ong, is Deputy Head of Brand Experience at Providend, the first fee-only wealth advisory firm in Southeast Asia and a leading wealth advisory firm in Asia.View the full list of podcast episodes published: https://providend.com/providends-money-wisdom-podcast-season-2/Music courtesy of ItsWatR.

"There have been many bad money decisions because I know how to buy (stocks) but I don't know how to sell!"In many industries like healthcare and legal, it is a norm for people to pay for professional advice. However, when it comes to the wealth industry, many are still hesitant to pay a fee for advice.In this episode, our CEO, Christopher Tan, speaks with Lee Soo Chye, Managing Partner of Wee Swee Teow LLP, on his money journey as well as key traits to look out for in a good adviser, be it in the legal, healthcare or wealth industry.Stay tuned for the next episode as Chris shares deeper insights behind his upcoming article in The Business Times! The host, Christopher Tan, is Chief Executive Officer of Providend, Singapore’s first fee-only wealth advisory firm and author of the book “Money Wisdom: Simple Truths for Financial Wellness”.View the full list of podcast episodes published: https://providend.com/providends-money-wisdom-podcast-season-2/Music courtesy of ItsWatR.

Are you making the most of your CPF account? In this episode, Isaac discusses the strategies for optimising your CPF accounts and integrating them into your personal wealth plan with Tan Chin Yu, our Advisory Team Lead. Discover valuable tips and insights that will help working Singaporeans and PRs harness the full potential of their CPF monies. Meanwhile, stay tuned for our upcoming episode featuring a special guest!The host, Isaac Ong, is Associate Adviser at Providend, Singapore’s First Fee-Only Wealth Advisory Firm.View the full list of podcast episodes published: https://providend.com/providends-money-wisdom-podcast-season-2/Music courtesy of ItsWatR.

Aside from conventional investment assets like stocks and bonds, there are other alternative investments that investors can consider. Among these, investing in private equity is deemed to be more sophisticated and while many may have heard about it, not many fully understand how it works.In this episode, Isaac speaks with our Head of Investment, Cheng Chye Hsern, where he shares what investors need to know about private equity and Providend’s view on investing in this asset class.Stay tune for the next episode where we share tips on how you can optimise your CPF monies!The host, Isaac Ong, is Associate Adviser at Providend, Singapore’s First Fee-Only Wealth Advisory Firm.View the full list of podcast episodes published: https://providend.com/providends-money-wisdom-podcast-season-2/Music courtesy of ItsWatR.

With all the buzz surrounding Singapore Treasury Bills (T-Bills) over the past 18 months due to its rising yields, our CEO, Christopher Tan, took the opportunity to explain the nature of these short-term, risk-free instruments in his latest article on The Business Times.In this episode, he further emphasises the opportunity costs involved especially during a high inflation period like now and shares other inflation-protected assets you can consider for the long term.Stay tune for the next episode where our Head of Investment, Chye Hsern, returns to discuss about alternative investments!The host, Nataly Ong, is Deputy Head of Brand Experience at Providend, the first fee-only wealth advisory firm in Southeast Asia and a leading wealth advisory firm in Asia.View the full list of podcast episodes published: https://providend.com/providends-money-wisdom-podcast-season-2/Music courtesy of ItsWatR.

We all know Kyith as the brain behind Investment Moats, Singapore's most well read financial blog, but how much do we know about his motivations and money values that led him to where he is today?In this episode, our CEO, Christopher Tan, walks down memory lane with the Chief Editor of Investment Moats and Providend’s very own Senior Solution Specialist, Kyith Ng, as he shares stories of his growing up years and key things to note when making the switch from a DIY investor to engaging a wealth adviser.Stay tuned for the next episode as Chris shares the brain behind his upcoming article in The Business Times!The host, Christopher Tan, is Chief Executive Officer of Providend, Singapore’s first fee-only wealth advisory firm and author of the book “Money Wisdom: Simple Truths for Financial Wellness”.View the full list of podcast episodes published: https://providend.com/providends-money-wisdom-podcast-season-2/Music courtesy of ItsWatR.

With so many new and exciting investment products on the market now, how do you assess which are suitable to be included in your portfolio? In this episode, our Head of Investment, Cheng Chye Hsern, dives deeper to talk about the careful selection of the fund managers we partner with and the intensive brainwork done behind the scenes to construct our core investment portfolios to effectively capture the returns for our clients in the long run.Stay tune for the next episode where we are joined by a very special guest!The host, Isaac Ong, is Associate Adviser at Providend, Singapore’s First Fee-Only Wealth Advisory Firm.View the full list of podcast episodes published: https://providend.com/providends-money-wisdom-podcast-season-2/Music courtesy of ItsWatR.

In a competitive investment environment where everyone blindly strives for the highest return, Providend firmly believes that our client's needs drive our investment philosophy and hence the rate of return.In this episode, Isaac speaks with our Head of Investment, Cheng Chye Hsern, where he shares more about Providend’s investment philosophy as well as how it guides us in evaluating and seeking out the financial assets that give our clients the highest probability of reaching their financial milestones.Stay tune for the next episode where Chye Hsern dives into how Providend structures our portfolios! The host, Isaac Ong, is Associate Adviser at Providend, Singapore’s First Fee-Only Wealth Advisory Firm.View the full list of podcast episodes published: https://providend.com/providends-money-wisdom-podcast-season-2/Music courtesy of ItsWatR.

In celebration of his 25 years in the financial industry, our CEO, Christopher Tan shared an epiphany he experienced 2 years after the Global Financial Crisis in a recent article he wrote for the Money Wisdom column on The Business Times.In this episode, Christopher further explains how he applies the philosophy of sufficiency to the different aspects of his life and how it can help one achieve true contentment.Stay tune for the next episode as our Head of Investment joins us!You can find the full Achieving Contentment Is the Greatest Gain here.The host, Nataly Ong, is Deputy Head of Brand Experience at Providend, Singapore’s First Fee-Only Wealth Advisory Firm.View the full list of podcast episodes published: https://providend.com/providends-money-wisdom-podcast-season-2/Music courtesy of ItsWatR.

Making the shift from a saver (while you accumulate) to a spender (while you retire) can be a surprisingly hard part of retirement.In this episode, Isaac speaks with our Client Adviser, Bryan Chan, on the various retirement spending strategies, from the commonly known 4% rule to dividend investing and our very own RetireWell™.We hope you enjoy this episode and stay tuned for the next!The host, Isaac Ong, is Associate Adviser at Providend, Singapore’s First Fee-Only Wealth Advisory Firm.View the full list of podcast episodes published: https://providend.com/providends-money-wisdom-podcast-season-2/Music courtesy of ItsWatR.

Local bank stocks slumped in mid-March amid fears of wider financial contagion globally from the collapse of Silicon Valley Bank (SVB) as well as Credit Suisse's downfall.In this episode, our Research Analyst, Lim Choon Siong, summarises key market events that have happened in the last quarter and explained why the short-lived market turbulence that followed the US banking crisis in March did not prevent investor optimism leading US stocks higher over the quarter.The host, Isaac Ong, is Associate Adviser at Providend, Singapore’s First Fee-Only Wealth Advisory Firm.View the full list of podcast episodes published: https://providend.com/providends-money-wisdom-podcast-season-2/Music courtesy of ItsWatR.

4 years ago in 2019, The Woke Salaryman was set up with the intention of helping Singaporeans make better financial and life choices through education.In this episode, our CEO, Christopher Tan, speaks with its founders, He Ruiming (the guy who writes) and Goh Wei Choon (the guy who illustrates), to learn more about their interesting money story and how they view the value of wealth advice.Stay tuned for the next episode as we chat with a special guest from our investment team!The host, Christopher Tan, is Chief Executive Officer of Providend, Singapore’s first fee-only wealth advisory firm and author of the book “Money Wisdom: Simple Truths for Financial Wellness”.View the full list of podcast episodes published: https://providend.com/providends-money-wisdom-podcast-season-2/Music courtesy of ItsWatR.

22 years ago, a group of like-minded people with a conviction to provide conflict-free wealth advice to their clients came together and founded Providend.In this episode, our CEO, Christopher Tan, reminisces the uneasy period to sustain the business in the early years and how we have come so far to where we are today, with a strong corporate culture that emphasises on doing the right thing for our clients.Link to Episode 2: https://providend.com/s2e2-the-past-present-and-future-of-providend/Stay tuned for the next episode!Music courtesy of ItsWatR.

Here comes the FIRST episode of Providend’s Money Wisdom Podcast Season 2!In this episode, you will get to know more about your new co-host - Isaac Ong, as he shares what he does as an Associate Adviser at Providend, his past experiences in the industry, and what brought him to us.You will also gain insights into our advisory philosophy as well as our unique hiring process through his conversation with our CEO, Christopher Tan.Link to Episode 1: https://providend.com/s2e1-meet-your-new-co-host-isaac-ong/We hope you will enjoy this episode 😉 Stay tuned for the next one as we get their chairs switched! https://providend.com/providends-money-wisdom-podcast-season-2/Music courtesy of ItsWatR.

“Focusing on the correct side of your money equation will help you not only be financially successful, but also help you finish well in life.”In this episode, I will elaborate both sides of the money equation - left for short-term financial planning decisions and right for long-term investment decisions. - and my views on the YOLO and FIRE ideologies.Important note: Spend more time on the left side of the money equation instead of the right side.The host, Christopher Tan, is Chief Executive Officer of Providend, Singapore’s first fee-only wealth advisory firm and author of the book “Money Wisdom: Simple Truths for Financial Wellness”. View the full list of podcast episodes published: https://providend.com/providends-money-wisdom-podcast-season-1/ Music courtesy of ItsWatR.

“What would happen to my firm, Providend, and my loved ones if I did not make it home?”In this episode, I will share the two main concerns of business owners and the need to plan for your business as early as you can, especially in the areas of its transfer and continuation plan.Important note: As long as the question of who will be the new owner of the business remains unanswered, the future of the business is at risk.The host, Christopher Tan, is Chief Executive Officer of Providend, Singapore’s first fee-only wealth advisory firm and author of the book “Money Wisdom: Simple Truths for Financial Wellness”. View the full list of podcast episodes published: https://providend.com/providends-money-wisdom-podcast-season-1/ Music courtesy of ItsWatR.

In this episode, I will share a major flaw in how many parents plan for their child's education and his advice on three important questions below:Will what you have already put in place be sufficient to fund your children’s university education?What if your health fails you?What if your kids decide to take a different path?Important note: Think ahead, and if need be, get help from an adviser so you can indeed see your children grow -- from cradle to mortarboard.

In this episode, I will walk you through some of the major considerations of tertiary education in terms of the cost, available courses, education system and more.Important note: Give a child a fish and it will feed him for a day; teach him how to fish and it will feed him for life.The host, Christopher Tan, is Chief Executive Officer of Providend, Singapore’s first fee-only wealth advisory firm and author of the book “Money Wisdom: Simple Truths for Financial Wellness”. View the full list of podcast episodes published: https://providend.com/providends-money-wisdom-podcast-season-1/ Music courtesy of ItsWatR.

In this episode, I will detail the eight money archetypes and why it is essential to find out more about these unconscious patterns, beliefs and behaviours that have made you who you are today.Important note: The key to helping our clients achieve their financial goals is to really ensure that they stick to their wealth or investment plan.The host, Christopher Tan, is Chief Executive Officer of Providend, Singapore’s first fee-only wealth advisory firm and author of the book “Money Wisdom: Simple Truths for Financial Wellness”.View the full list of podcast episodes published: https://providend.com/providends-money-wisdom-podcast-season-1/ Music courtesy of ItsWatR.

In this episode, I will once again delve into issues regarding insurance and investment management to emphasise the significance of having these two aspects managed right.Important note: As a wealth advisory firm, we are not dealing with just people’s money but their lives.The host, Christopher Tan, is Chief Executive Officer of Providend, Singapore’s first fee-only wealth advisory firm and author of the book “Money Wisdom: Simple Truths for Financial Wellness”.View the full list of podcast episodes published: https://providend.com/providends-money-wisdom-podcast-season-1/ Music courtesy of ItsWatR.

In this episode, I will revisit the conviction of our founding members in birthing Providend as a fee-only wealth advisory firm in 2001 and how we have strived and grown to where we are today.Important note: In reality, it is the advisory industry that is not ready, not Singaporeans.The host, Christopher Tan, is Chief Executive Officer of Providend, Singapore’s first fee-only wealth advisory firm and author of the book “Money Wisdom: Simple Truths for Financial Wellness”.View the full list of podcast episodes published: https://providend.com/providends-money-wisdom-podcast-season-1/ Music courtesy of ItsWatR.

In this episode, I will share our philosophy of profitability and why we have transited to using low-cost instruments such as ETFs, index funds and evidence-based funds from Dimensional Fund Advisors for all our investment portfolios.Important note: Low-cost investment instruments have proven to better deliver the expected returns for our clients than high-cost actively managed funds.The host, Christopher Tan, is Chief Executive Officer of Providend, Singapore’s first fee-only wealth advisory firm and author of the book “Money Wisdom: Simple Truths for Financial Wellness”.View the full list of podcast episodes published: https://providend.com/providends-money-wisdom-podcast-season-1/ Music courtesy of ItsWatR.

In this episode, I will share the relationship between the 3 industry players and why most distributors will get you to buy plenty of products, sometimes even with a substantial part of your wealth.Important note: Choose your wealth manager wisely, do not become a victim of bad wealth management practices.The host, Christopher Tan, is Chief Executive Officer of Providend, Singapore’s first fee-only wealth advisory firm and author of the book “Money Wisdom: Simple Truths for Financial Wellness”.View the full list of podcast episodes published: https://providend.com/providends-money-wisdom-podcast-season-1/ Music courtesy of ItsWatR.

In this episode, I will reflect upon the operating processes of the financial planning and wealth management sector as compared to that of fast food production.Important note: Understanding a client’s need for returns as well as his ability and his willingness to bear risks must be done before any recommendations are given.The host, Christopher Tan, is Chief Executive Officer of Providend, Singapore’s first fee-only wealth advisory firm and author of the book “Money Wisdom: Simple Truths for Financial Wellness”. View the full list of podcast episodes published: https://providend.com/providends-money-wisdom-podcast-season-1/ Music courtesy of ItsWatR.

In this episode, I will explain the key differences between an advisory service and a sales business, considering the compensation, the way of prospecting for business and the recruitment approach.The host, Christopher Tan, is Chief Executive Officer of Providend, Singapore’s first fee-only wealth advisory firm and author of the book “Money Wisdom: Simple Truths for Financial Wellness”. View the full list of podcast episodes published: https://providend.com/providends-money-wisdom-podcast-season-1/ Music courtesy of ItsWatR.

In this episode, I will share The New Retirement Mindscape II Study conducted by Ameriprise Financial Inc. in 2010 to understand the retirement journey of individuals which consists of 6 distinct stages.To learn more, download our RetireWell eBook now! https://providend.com/publications/#retirewell(It consists of 11-part articles written by Chris and were featured on The Business Times every month for almost a year in 2017)The host, Christopher Tan, is Chief Executive Officer of Providend, Singapore’s first fee-only wealth advisory firm and author of the book “Money Wisdom: Simple Truths for Financial Wellness”. View the full list of podcast episodes published: https://providend.com/providends-money-wisdom-podcast-season-1/ Music courtesy of ItsWatR.

In this episode, I encourage all of us to first make a life decision and let our wealth decisions follow it. By doing so (and not the opposite!), our life, whether in retirement or not, will finish well.To learn more, download our RetireWell eBook now! https://providend.com/publications/#retirewell(It consists of 11-part articles written by Chris and were featured on The BusinessTimes every month for almost a year in 2017)The host, Christopher Tan, is Chief Executive Officer of Providend, Singapore’s first fee-only wealth advisory firm and author of the book “Money Wisdom: Simple Truths for Financial Wellness”. View the full list of podcast episodes published: https://providend.com/providends-money-wisdom-podcast-season-1/ Music courtesy of ItsWatR.

In this episode, I will explain how retirees can make the investment strategy we have shared in the past few episodes work to get the expected returns.To learn more, download our RetireWell eBook now! https://providend.com/publications/#retirewell(It consists of 11-part articles written by Chris and were featured on The Business Times every month for almost a year in 2017)The host, Christopher Tan, is Chief Executive Officer of Providend, Singapore’s first fee-only wealth advisory firm and author of the book “Money Wisdom: Simple Truths for Financial Wellness”. View the full list of podcast episodes published: https://providend.com/providends-money-wisdom-podcast-season-1/ Music courtesy of ItsWatR.

In this episode, I will share a very important role of CPF LIFE in retirement planning -- to provide retirees with a reliable income stream regardless of the financial market’s performance, for life!To learn more, download our RetireWell eBook now! https://providend.com/publications/#retirewell(It consists of 11-part articles written by Chris and were featured on The Business Times every month for almost a year in 2017)The host, Christopher Tan, is Chief Executive Officer of Providend, Singapore’s first fee-only wealth advisory firm and author of the book “Money Wisdom: Simple Truths for Financial Wellness”. View the full list of podcast episodes published: https://providend.com/providends-money-wisdom-podcast-season-1/ Music courtesy of ItsWatR.

In the event of mismanagement of their retirement monies, retirees might not be able to accumulate sufficient sums for their retirement again because of their advanced age.With that in mind, I will share how our investing approach works for our retiree clients as we hold on to the principle of staying invested (in the right instruments) and not timing the markets.Important note: We use financial instruments that are evidenced-based, boast good performance track records and are low-cost to give retirees a reliable income stream.To learn more, download our RetireWell eBook now! https://providend.com/publications/#retirewell(It consists of 11-part articles written by Chris and were featured on The Business Times every month for almost a year in 2017)

In this episode, I will explain why we use index funds by looking at the risks and costs involved, as well as its alignment with Providend’s planning philosophy.To learn more, download our RetireWell eBook now! https://providend.com/publications/#retirewell(It consists of 11-part articles written by Chris and were featured on The Business Times every month for almost a year in 2017)The host, Christopher Tan, is Chief Executive Officer of Providend, Singapore’s first fee-only wealth advisory firm and author of the book “Money Wisdom: Simple Truths for Financial Wellness”. View the full list of podcast episodes published: https://providend.com/providends-money-wisdom-podcast-season-1/ Music courtesy of ItsWatR.

In this episode and the upcoming ones, I will introduce you to our proprietary retirement planning methodology - RetireWell™, and how it ensures our clients have peace of mind in their retirement.To learn more, download our RetireWell™ eBook now! https://providend.com/publications/#retirewell(It consists of 11-part articles written by Chris and were featured on The Business Times every month for almost a year in 2017)The host, Christopher Tan, is Chief Executive Officer of Providend, Singapore’s first fee-only wealth advisory firm and author of the book “Money Wisdom: Simple Truths for Financial Wellness”. View the full list of podcast episodes published: https://providend.com/providends-money-wisdom-podcast-season-1/ Music courtesy of ItsWatR.

In this episode, I will share a list of works you should (at least) expect from your wealth adviser who is helping you with your investments.The host, Christopher Tan, is Chief Executive Officer of Providend, Singapore’s first fee-only wealth advisory firm and author of the book “Money Wisdom: Simple Truths for Financial Wellness”. View the full list of podcast episodes published: https://providend.com/providends-money-wisdom-podcast-season-1/ Music courtesy of ItsWatR.

In this episode, I will share the main problem associated with actively managed funds and why we have transited to mainly using ETFs, index funds, and evidence-based funds from Dimensional Fund Advisors.The host, Christopher Tan, is Chief Executive Officer of Providend, Singapore’s first fee-only wealth advisory firm and author of the book “Money Wisdom: Simple Truths for Financial Wellness”. View the full list of podcast episodes published: https://providend.com/providends-money-wisdom-podcast-season-1/ Music courtesy of ItsWatR.

In this episode, I will explain what fundamentally drives the prices of commodities and shares a practical strategy one can undertake when deciding to invest in this asset class.The host, Christopher Tan, is Chief Executive Officer of Providend, Singapore’s first fee-only wealth advisory firm and author of the book “Money Wisdom: Simple Truths for Financial Wellness”. View the full list of podcast episodes published: https://providend.com/providends-money-wisdom-podcast-season-1/ Music courtesy of ItsWatR.

In this episode, I will share the 6 key problems with hedge fund indices and explains why Providend has stopped using hedge funds for our clients since a very long time ago.The host, Christopher Tan, is Chief Executive Officer of Providend, Singapore’s first fee-only wealth advisory firm and author of the book “Money Wisdom: Simple Truths for Financial Wellness”. View the full list of podcast episodes published: https://providend.com/providends-money-wisdom-podcast-season-1/ Music courtesy of ItsWatR.

In this episode, I will explain the main driver of long-term stock market returns and why yield curve inversion is not a very reliable tool for predicting stock market crashes.The host, Christopher Tan, is Chief Executive Officer of Providend, Singapore’s first fee-only wealth advisory firm and author of the book “Money Wisdom: Simple Truths for Financial Wellness”. View the full list of podcast episodes published: https://providend.com/providends-money-wisdom-podcast-season-1/ Music courtesy of ItsWatR.

In this episode, I will share a few useful and proven ways we can deal with the risks in investments to ensure that we can sleep peacefully every night.The host, Christopher Tan, is Chief Executive Officer of Providend, Singapore’s first fee-only wealth advisory firm and author of the book “Money Wisdom: Simple Truths for Financial Wellness”. View the full list of podcast episodes published: https://providend.com/providends-money-wisdom-podcast-season-1/ Music courtesy of ItsWatR.

In this very important episode, I will use 3 case studies to take you through the 7-step process of investing in which more than half of it is risk related. Are you ready?The host, Christopher Tan, is Chief Executive Officer of Providend, Singapore’s first fee-only wealth advisory firm and author of the book “Money Wisdom: Simple Truths for Financial Wellness”. View the full list of podcast episodes published: https://providend.com/providends-money-wisdom-podcast-season-1/ Music courtesy of ItsWatR.