Author Archives: kaidi

Site updates

*Got a simple design for logo *Added Bookmark Icon to the site *Changed header image

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Foundation of a balanced financial portfolio

This is a typical basic type of balanced financial portfolio. The items in each sections are examples of types of contents. So for instance, under Protection, you can have only Term Insurance without others. And for the Savings, you can … Continue reading

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Posted in Insurance, Investment | Tagged , , , , | 4 Comments

Income replacement VS Expenses replacement

These 2 methodologies are meant to calculate how much insurance coverage is needed. Expense analysis and replacement is a more robust methodology, but required more data and facts to perform. Whereas Income replacement methodology will be a simpler way to … Continue reading

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Posted in Insurance | Tagged , , , , | 7 Comments

Insurance Quotations (Benefit Illustration) understanding

Simple explanations of Life Insurance Benefit Illustration and Quotations Continue reading

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Interesting Facts and Truths of Insurances

• Nobody will wake up in the morning and realize they need insurance. • Most people who are interested in getting a insurance do not know what they really need. • Most insurance that people first bought was Endowment (without … Continue reading

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Posted in Insurance | Tagged , , , , | 146 Comments

Endowment ~ Saving plans

Endowment is commonly called “Saving Plan” where you save for a time frame of min 5years and up to 30years depending on the plan. It will matured at the end of the time frame and pays you a lump sum … Continue reading

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Posted in Insurance | 17 Comments

Term Insurances

It provides protection coverage for a limited period (normally 5-30years) and has NO cash value. Term insurance is the cheapest protection coverage available. It is usually purchased to cover the financial liabilities of young children, non-working spouse and retired parents. Some … Continue reading

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Posted in Insurance | 4 Comments

Buy term and invest the difference

From Wikipedia, the free encyclopedia Buying term and investing the difference is a concept involving term life insurance and investment strategies that allows individuals to eventually “Self Insure” and provides an alternative to permanent life insurance. Generally speaking term insurance … Continue reading

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Posted in Investment | 9 Comments

Risks and Returns for Investment

Points to note is Risk is always measured against Returns. Investment has to be planned and measured depending on the Capital available, Time horizon and Appetite. To make Efficient investment, we need to reduce Risk while maintaining the Potential Returns. … Continue reading

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Posted in Investment | 3 Comments

Insurance Basics

This article will help you to have a general understanding of Insurance in Singapore as well as some tips and guidelines for choosing and planning for your needs. Insurance Definition A contractual agreement of compensation for specific potential future losses … Continue reading

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Posted in Insurance | 8 Comments