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KT

YP in Local Heartland

Kent Toh

Manager at Kenshoo

About

YP in Local Heartland

Credentials

Manager at Kenshoo

Kent Toh

Manager at Kenshoo

  • Answers (11)
  • Questions (1)
  • Reviews (1)

Career

SG Budget Babe

Salary

KT
Kent Toh, Manager at Kenshoo
Level 4. Prodigy
Answered 4w ago
Wow I'm interested in this topic too. Because everyone seems to wonder if they are paid fairly, or what other colleagues are earning. It generally still remains a taboo topic, not just among singaporeans, but globally at your own workplaces. Sharing salary with colleagues can create tension and/or resentment toward management. It can be demoralizing for both you and your colleague. You also often may have jump to the wrong conclusion because of misinterpretation, lack of information. Of which your HR probably have a lot to say. Such information may also lead you to making wrong or rash decisions. It will be better off to talk to your boss, or HR, and have a clearer insight on how pay decisions and pay structure are made at your company. If you think you should get more, then ask for it! Boss will rationalise with you. If you need benchmarking - then look at forums, industry discussions. Sometimes, you can also ask headhunters. In an age of over-sharing, I will suggest salary comparison should still be kept out of workplace colleague conversations. Although if you remain itchy, you can discuss casually with your friends.

StashAway

Investments

Savings

Robo-Advisors

Promo Codes

KT
Kent Toh, Manager at Kenshoo
Level 4. Prodigy
Updated 4w ago
I didnt know can just share referral links like that! Here is mine: https://www.stashaway.sg/referrals/kianhontxd We both get up to $10,000 SGD managed for free for 6 months! I've used both SRS as well as cash, and I must say I have good confidence of the product. Set up multiple portfolios, set different goals, and different risk index. You can have Income-based, Cash Management, or Goal-based investing. Going up to 36% risk index, I averaged to 17% returns in a year! It gives clear statements, so you are still aware and in control. PLUS, you can actually use Grab rewards to offset fee credits!

Career

Property

Entrepreneurship

KT
Kent Toh, Manager at Kenshoo
Level 4. Prodigy
Answered 4w ago
Singapore market is relatively saturated with both insurance agents and property agents. I think there is oversupply for both sectors, but quantity-wise insurance agents are definitely much higher and more common-place. It is a bigger industry, more players, and more diversification eg. financial planners, investment analysts etc. But simple logic - insurance demands also higher, one person can afford multiple insurance policies, but can only afford one property.

Lifestyle

Entrepreneurship

Career

Education

Undergraduate

SG Budget Babe

KT
Kent Toh, Manager at Kenshoo
Level 4. Prodigy
Answered 4w ago
If you are risk-adverse, then of course having a degree is definitely the way to go. You may not even need to do honours, but you will need a degree for a better-paying regular job. A degree somewhat guarantees that future. However, if you are quite sure that you are making good side income, and it demands more of your time, quitting studies need not be a bad thing. It can be an opportunity cost too. Afterall, you can continue your studies anytime! Also seek opinions of your family, friends, and take considerations such as costs, time, how long more to complete degree and set short term plans.

Supplementary Retirement Scheme (SRS)

Investments

MoneyOwl

Endowus

Stocks Discussion

Robo-Advisors

KT
Kent Toh, Manager at Kenshoo
Level 4. Prodigy
Answered 4w ago
IMHO, I do not think there are much differences to compare amongst robo-advisers, because both pricing and fees are relatively affordable. The differences will lie in the funds, which gets a bit technical for me. I personally use Endowus, and it supposedly has lowest fees among robo platforms that invest in unit trusts. I personally do not find the UI difficult. The dsahboard, tells me my activity & balances. And allows me to see my performance across different timeframes and time-weighted returns. I can easily access portfolio/underlying funds. I also personally like Stashaway, because I can access quickly through its mobile app, see my returns, assets and projections.

Savings

SG Budget Babe

Family

Retirement

KT
Kent Toh, Manager at Kenshoo
Level 4. Prodigy
Answered 4w ago
A typical range can be about 10-20%. But that of course varies alot depending on your income. Give what you can, and try to give what they need. Some parents may require more due to medical conditions, or some parents may have their own retirement/cpf funds to support themselves. Situation-dependent, you could have siblings to help, or you have your own children to feed. I will advise not to compare against others, afterall every family has their own bible. 家家有本难念的经。 No right no wrong.

Lifestyle

Family

SG Budget Babe

Wedding

KT
Kent Toh, Manager at Kenshoo
Level 4. Prodigy
Answered 4w ago
You take into considerations why you need a wedding planner. Most of the time, I guess around 90% of couples plan their own wedding. There are many things to do, but surely there are friends around you who have already did it and most would have survived. With or without wedding planners, the wedding still remains a memorable one. You will need the wedding planners if: 1. You have tight work schedules. Maybe both of you are traveling, work overtime, work on weekends etc. Or you need the wedding to be done in a short time frame, eg. less than 1 month. 2. You have a fantasy, elaborate wedding. Sometimes if you are willing to splurge on a castle-fairy-out-of-this-world theme, then yes a planner can make your dream come true. But not to say that all planners can meet your expectations still. It has to have some reality-check, usually budget constraints. 3. You are looking for fuss-free, no homework, no research wedding. Planner takes care of vendors from gown rental, to wedding venue, decorations, photographers, bridesmaid, timeline, programmes, emcee, entertainment etc. Or you do is just feedback and planner takes care of the rest. In Singapore, the average costs of engaging a wedding planner is around S$3000 to S$5000. Whilst a wedding planner may also save you some costs due to their using their own contacts, usually they are not planning on going down the budget-friendly route. To go about planning own wedding, talk to a married friend, and invite him/her to be a bestman/bridesmaid at the same time! Just listen to people sharing their experiences.

SG Budget Babe

StashAway

Stocks Discussion

KT
Kent Toh, Manager at Kenshoo
Level 4. Prodigy
Answered on 04 Dec 2019
I am just a retail investor and it seems almost definite they simply put 50:50 weight into these two funds. LionGlobal SGD Money Market Fund and LionGlobal SGD Enhanced Liquidity Fund SGD Class I guess there is not much to think about it. If you think these 2 funds are stable enough, and if 1.9% is good enough for you.

SG Budget Babe

Family

KT
Kent Toh, Manager at Kenshoo
Level 4. Prodigy
Answered on 04 Dec 2019
I used to think maybe after you settle down at work, or in your 30s. But I am starting to find that the earlier could be better, even in 20s. True that at this stage you may not have alot of cash on hand and that wedding, house will be 2 big ticket items before starting a family. But then if the priority becomes going for a family unit - these 2 items becomes less important and naturally you save money on them. Take faith that hardwork will allow you to support the family. You have a lot more energy (younger) to work, and you mature quickly. Let the family support itself through hardships, and I am sure your wider family and network will be there to support as well. In the long run, you can retire early as your children grows up, and I think a stronger family unit gets built in the process.
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Level 4. Prodigy
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