Aaron Leow, CFA, ChFC®/S - Seedly
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Aaron Leow, CFA, ChFC®/S

Over a decade in my career, I have helped over 350 families secure a guaranteed income for life. Contact me at aaronleow.com

Aaron Leow, CFA, ChFC®/S

Financial Consultant at Prudential Assurance Company Singapore

About

Over a decade in my career, I have helped over 350 families secure a guaranteed income for life. Contact me at aaronleow.com

Credentials

Financial Consultant at Prudential Assurance Company Singapore

Aaron Leow, CFA, ChFC®/S

Financial Consultant at Prudential Assurance Company Singapore

  • Answers (122)
  • Questions (0)
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Insurance

AIA

Investments

Career

Insurance coverage in Singapore is competitive in the Asean space. Not so much when you compare it with Europe. This is with regards to protection and hospitalization type insurance. If you’re considering making career moves abroad, than it’s important for your consultant to be well versed with the different social security laws abroad. Singapore insurance covers on a global scale - however claims need to be assessed locally with local medical practitioners. Unless it’s death. Investments will depend on your income tax treatments and where you will be taxed. Japan and American income sources will have limitations investing monies here in Singapore. As there are many factors on this, it’s likely you would need one Singapore based consultant as well as a consultant which you will commute too frequently. The best would be to sit down and map out your life plans, and gel it together with your financial goals. Truthfully much of the advice needs to be assessed from a legal mind. This is how I usually work with clients who are expats or clients who have international careers. Domicile laws will affect your plans.
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Investments

S&P 500 Index

ETF

The current framework suggests using a robo advisor and switching out to a SPY once the portfolio hits 0.8% in fees. Which you can do after 1 year of $600 a month. That way you minimize your cost per transaction for both broker and robo advisors.
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CPF

S&P 500 Index

NYSE (New York Stock Exchange)

You go short or buy put options. Defensive equities have somewhat a negative correlation to this situation. Zoom. Walmart. Just to name a few. For CPF funds, best would be to revert back to the CPF basic interest return account. Hariz is correct on the available options now.
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COVID-19

Economics

Mixed feelings. On one hand it’s the correct thing to do due to the situation. On the other hand it’s a sign that times are dire and that there will be more pain ahead. When the revenue streams for government falls, the price will have to be paid somewhere else. Nothing is free in this world. The problem lies in the uncertainty ahead.
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Savings

Lifestyle

COVID-19

3,6,9,12 months of expenses. Some would keep up to 2 years. I hold 5 years because I am extremely conservative, I systematically invest in equity from a valuation standpoint. As such I have only been DCA-ing into the equity market drip by drip, and only recently ramped it up when the market dived by 25%.
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Career

Financial Planners

Finance is a pretty broad sector. Best that you speak to several people in your network to get an idea of what it is about. And you can probably identify what you will be good at. Those who have no networks will start from the ground up, and we all work our way up over the years.
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COVID-19

Property

Payments

Rebates

" Landlords are urged to fully pass on the rebate to tenants by reducing rentals, to directly ease the cash flow and cost pressures faced by tenants. " Not compulsory.
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Stocks Discussion

Investments

S&P 500 Index

Market Correction

Short covering. If I had to guess on second question, likely to head lower. Numbers for next quarter have yet to be realized. I put money where my mouth is by reducing my DCA amounts.
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