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Alvin Teo

Financial Planner specialising in investments through multiple investment vehicles

Alvin Teo

Financial Planner at AXA Insurance Pte Ltd

19Upvotes

About

Financial Planner specialising in investments through multiple investment vehicles

Credentials

Financial Planner at AXA Insurance Pte Ltd

Alvin Teo

Financial Planner at AXA Insurance Pte Ltd

19Upvotes
  • Answers (29)
  • Questions (0)
  • Reviews (0)

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CPF

That’s the rules, no choice. if no accrued interest, everyone will cash out this way and some of not most will squander it away. some people will want to sell their bigger flats to buy smaller apartments to ’cash out’ their flat.

General

Theoretically speaking, if all Chinese nationals decides to slap everyone that’s not from China, almost everyone in the world will get slapped in less than 5 slaps slapped That said, China can be self contained and shut itself out from the world and it will affect the rest of the world more than China itself. But this should affect the rest of the world temporarily as many developing nations will seize this opportunity to prove themselves as a manufacturing powerhouse. US on the other hand functions differently. plus right now, it has a businessman at it’s highest office compared to a career politician everywhere else. this can be a double edge sword.

Savings

Investments

Retirement

Alvin Teo
Alvin Teo, Financial Planner at AXA Insurance Pte Ltd
Level 3. Wonderkid
Answered on 27 May 2019
Short answer: no longer answer: SRS is mainly to reduce taxes so since you have reduced your tax so much, why lock your money as opposed to having liquid cash? You can use liquid cash to buy investments and ice cream, SRS can only buy the former. Assuming you are years away from your retirement, there is various penalties and/or restrictions on your SRS money. maybe when your taxable incomes becomes sizable then parking some money aside to reduce taxable income can be considered. That is not to say you should max out the contributions every time.

Dividends

Stocks

Investments

Alvin Teo
Alvin Teo, Financial Planner at AXA Insurance Pte Ltd
Level 3. Wonderkid
Answered on 13 May 2019
You don’t. no matter how rich a parent, you never know when they will stop giving you pocket money whether they cannot give anymore or they decided to stop giving. If companies cannot give dividends anymore, it may seem bad, but in bad times, this may also mean prudence in managing available funds. again, dividend is another portion of cash flow management. How companies manage dividends at various financial health is a piece of the puzzle that shows the whole picture.

Retirement

Investments

Alvin Teo
Alvin Teo,
Level 3. Wonderkid
Answered on 13 Apr 2019
Since you are newbie, I’ll do what I do best, explain in primary school level. 1) I’ll very honest and blunt in saying that unlike many starting young, you do not have much room for experiments or error. Take about 2-3 months to gather info before buying first investment, you can first learn why people invest into unit trust or ETF. Somehow many people regret their first stock purchases in 2-3 months time. 2) For many reasons, ETFs or index funds are considered safer, its typically based on a basket of stocks rather than bonds but it is not crisis proof. many will argue that you can postpone your retirement 2-3 years and carry on working in case of a financial crisis but what if financial crisis occurs during your retirement, are you going to come out of retirement? 3) Buying ETF/unit trust should just form a portion of your portfolio. The other portion that is missing is the fixed income portion which is either bonds/annuity plans. These fixed Income assets will give you returns even during crisis and may even have capital appreciation. To be clear, SSB is not what I meant as it functions more like a fixed deposit than an actual bond because it doesn’t have capital appreciation. Maybe you have CPF but its not enough and it has diminishing returns. 4) Have fun, and at 42 years old, it‘s not worth to lose sleep over any investments.

Parenting

Investments

Alvin Teo
Alvin Teo,
Level 3. Wonderkid
Answered on 26 Mar 2019
I am always looking for the quiet guy that gets stuff done. of course I have read about warren Buffett but when I delve deeper, I am very inspired by Charlie Munger and Walter Schloss.

Securities

Bonds

Investments

Alvin Teo
Alvin Teo, Financial Planner at AXA Insurance Pte Ltd
Level 3. Wonderkid
Answered on 15 Mar 2019
I think we should also revise what we view as “safe”. Bonds are only as safe as the company that issues them. If the company close shop with no money then there’s no amount of bonds to save it. Bonds are safer compared to common stock of the company. Because of it’s hierarchy in claims, basically bond are the first scavenger to pick the flesh off the bones. Also, in financial crisises, when equities are giving extremely low or negative returns, bonds don’t care, coupons still have to be paid(again, if the company is healthy enough to pay). So during crisis, they are seen to be yielding more than equities. This doesn’t make them safer though, it’s just the mechanism of the bond. But this is typically in times of crisis.

Bonds

Investments

Alvin Teo
Alvin Teo, Financial Planner at AXA Insurance Pte Ltd
Level 3. Wonderkid
Updated on 07 Mar 2019
Generally speaking, at 25, you only need 15% bonds/fixed income in your portfolio. $65k income equals about $24k annual income. you can consider cpf as your bonds up to a certain age because cpf contribution is 37% and only small portion goes to SA. OA is 2.5% not really a high fixed income. And You cannnot count monies you are using for hdb

Investments

Alvin Teo
Alvin Teo, Financial Planner at AXA Insurance Pte Ltd
Level 3. Wonderkid
Answered on 27 Feb 2019
If you believe in the narrative that there’s still growth for china, why not, this is essentially marco-econs right? Unless you are very familiar with china (im guessing you aren‘t hence the question), i wouldn’t restrict myself to geography and focus on the fundamentals surrounding the business and see geography as one of the many factors rather than the key consideration.

Education

Career

Alvin Teo
Alvin Teo,
Level 3. Wonderkid
Answered on 15 Jan 2019
My wife used to be a school teacher, and she was at a crossroads on this too. Someone advised her 莫忘初心. Which means don’t forget your original intent in joining the teaching force. hers is Her love to teach. She is now much happier teaching as a private tutor.
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