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Josh Tan Jian Liang

Financial adviser who is on a mission to inspire young families to improve their financial lives.

Josh Tan Jian Liang

Co-founder https://theastuteparent.com at Promiseland Independent Pte Ltd

About

Financial adviser who is on a mission to inspire young families to improve their financial lives.

Credentials

Co-founder https://theastuteparent.com at Promiseland Independent Pte Ltd

Josh Tan Jian Liang

Co-founder https://theastuteparent.com at Promiseland Independent Pte Ltd

  • Answers (89)
  • Questions (0)
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Stocks Discussion

Investments

(Stocks Discussion) SGX: CapitaLand Mall Trust (SGX: C38U)?
Second quarter 2020 onwards capitalmall trust will start to see the pain. There are also expiring leases in 2020 and 2021 that may be difficult to replace. Will occupancy rate be able to recover to before the pandemic? For F&B businesses in malls, social distancing means less sit in traffic. They are one of the highest PSF tenants. More: https://youtu.be/i-JsD_5uDMI !
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Investments

Stocks Discussion

(Stocks Discussion) SGX: Singapore Airlines Limited (SGX: C6L)?
SINGAPORE AIRLINES SIA released it newest FY19/20 and it had losses. But first, why was Rights and MCB required to save the company? Currently, almost all airlines are looking for a bailout and this is an unprecedented INDUSTRY problem. Delta airlines has been cut to junk and Virgin Australia was also downgraded. SIA actually accounted 0 for the virgin australia equity on its books. We'd cover on 1) Why the singapore airlines rights were priced lower? 2) What are the risks in the singapore airlines MCB? - I share my view in event of share price rise or fall in future. 3) How is the singapore airlines (SIA) retail bond like? There is actually some analysis on the SIA EPS after rights. As well as it being net cash positive after the rights and first round of MCB. More: https://youtu.be/h7C0YAHOBZg !
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Securities

Investments

Stocks Discussion

(Stock Discussion) SGX: Genting Singapore Ltd (SGX: G13)?
Josh Tan Jian Liang
Josh Tan Jian Liang
Level 6. Master
Updated 2w ago
Genting Singapore has seen casino revenues shrink over the years BUT non-gaming segment revenue had been growing. In this video sharing, I'd look at how it's revenue has changed. In 2019, non-gaming revenues increased to 33.6% of overall revenue. RWS 2.0 will be an increase in 50% of the Integrated resort floor space to invest further into this segment. There will be 2 new hotels and their hotel occupancy has been above average for many years. Genting is also bidding for Japan IR in Yokohama. More: https://youtu.be/rY12jyUyaho !
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Insurance

Family

Retirement

Term Life Insurance

Critical Illness (CI)

Health Insurance

My mom is turning 55 this year looking to purchase direct term insurance with a critical illness rider. Which insurer should I go with?
Hi Anon, Engaging an adviser is not necessarily more expensive. This is not just speaking up for me individually but as to all advisers who help their own clients well. Direct purchase plans are not always the cheapest. An Independent financial advisers can help with underwriting with multiple insurers to get the best offer for you especially if your mum has past health conditions. This post may be of help to you https://www.theastuteparent.com/2020/04/online-insurance/ PS: Join our telegram for investment video tutorials and insurance updates: https://t.me/theastuteparent ✅
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Stocks Discussion

COVID-19

Investments

REITs

Online Brokerages

Property

I’m starting my investment journey, looking to buy my first Singapore REITs with a $10k Budget. Any recommendations for this COVID-19 period in June 2020?
Josh Tan Jian Liang
Josh Tan Jian Liang
Level 6. Master
Updated on 06 Jun 2020
Hi Anon, Recommend to consider if company specific risk is ok with first. If not sure, look to diversify and there are actually REIT etfs if you view the sector positively. I've a sharing here and in this video, I'd touch on points on why REITS have been hit badly. https://youtu.be/HS6VYkrhiJE !
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Hospitalisation Insurance (H&S)

Insurance

Healthcare

How can I purchase the NTUC INCOME Health Insurance?
Hi Anon, I have some history on NTUC Incomeshield plus rider rates. Collated from the years of partnering with NTUC as an IFA. Check article below: https://www.theastuteparent.com/2019/02/ntuc-assist-rider-plus-rider/ There are no difference. Apply it accurately and consider the plan options well with a qualified adviser. PS: Sub to our telegram for the latest financial planning ideas, cya there too! https://t.me/theastuteparent
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Stocks Discussion

Investments

Do you think that Amazon share price is overvalued? What do you think is a fair price for it?
Hi Anon, Amazon has outperformed DJIA significantly at this point of sharing and is undoubtly a well-run company. But it is a beast to valuate. AWS which is the most profitable segment of the business may be impacted by this pandemic. Check youtube sharing here which I've summarized more points: https://youtu.be/aLSoteYmR4s PS: Sub to our telegram for the latest financial planning ideas, cya there too! https://t.me/theastuteparent
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Healthcare

Lifestyle

Insurance

Been reading posts advising on having a medical insurance as part of our retirement plan. Being a young and healthy working adult now, is there a need for me to buy medical insurance as young as possible and why?
Dear Anon, Medical insurance can save you on medical liabilities. Indeed it is very important and as young as possible definitely is better. Rule of thumb as an insurance coverage is usually 1. 10X Annual Income as coverage in the event of Death 2. 5-10X Annual Income as coverage in the event of Critical Illness 3. Integrated Shield Plan with Rider Would share more details in this article on what do the insurance coverages help you with. And we have a package to suggest as a starting point for young working adults. ! Read article: https://www.theastuteparent.com/2020/04/no-nonsense-guide-to-getting-insured-for-millennials-2020/ If in doubt drop me an email at [email protected] or contact any qualified adviser. PS: Sub to our telegram for the latest financial planning ideas, cya there too! https://t.me/theastuteparent
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Insurance

Financial Planners

How do we purchase new policies from insurers if cannot meet up with financial Advisors?
Hi Anon, I've been doing online discussions on a daily basis and any applications can be done remotely. https://www.theastuteparent.com/2020/04/online-insurance/ ! Benefits of engaging an adviser you are comfortable with Engaging an adviser is NOT NECESSARILY MORE EXPENSIVE. This is not just speaking up for me individually but as to all advisers who help their own clients well. If you've further queries drop me an email at [email protected] or follow the article PS: Sub to our telegram for the latest financial planning ideas cya there too! https://t.me/theastuteparent
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Insurance

Hospitalisation Insurance (H&S)

AXA Shield Health Insurance

What are the terms to claim from AXA Shield?
Hi Anon Yes. Colonscopy is considered as day surgery procedures and will be covered under shield plans if it is ordered by your doctor during a consultation. In addition AXA shield offers unique value added services for specialist clinic. This is especially useful if in future you don't have a corporate wellness benefit There are 400 specialist clinics. Prices are: (i)Specialist standard consultation at S$100 per consultation (ii)Follow-up standard consultation at S$70 per consultation You can also enjoy preferential rates if you are referred by AXA's panel laboratory if you need to do a diagnostic laboratory investigations. I've this full article to share with you or anyone on AXA shield and why it's one of my preferred recommendations for shield plan https://www.theastuteparent.com/2019/01/axa-shield/ If you've further queries on how colon related conditions are covered with your other insurance plans, drop me an email at [email protected] or contact any qualified adviser PS: Sub to our telegram for the latest financial planning ideas https://t.me/theastuteparent
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