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University Dreams, Parental Regrets: Why Education Planning Can’t Wait

University Dreams, Parental Regrets: Why Education Planning Can’t Wait

by Tiffany Toh

By Rohit Singh For many expat parents living in Singapore, sending their children abroad for university represents more than academic achievement – it symbolises hope, opportunity, and the legacy of a better future. Whether it’s an Ivy League degree in the US, an engineering programme in Australia, or a top-tier business school in the UK, these aspirations come with a steep price tag. Unfortunately, too many parents underestimate how quickly education costs can spiral, or they delay planning in hopes that they’ll “figure it out later.” For some, that delay turns into financial regret. At a time when parents should…

Who Gets Your CPF When You Pass

Who Gets Your CPF When You Pass

by Tiffany Toh

This article originally appeared at – https://singapore.feebasedfinancialadvice.com/who-gets-your-cpf-when-you-pass/ If you’re an Australian expat calling Singapore home, you’ve probably got your head around most of the local systems by now. But here’s something that might surprise you – your CPF savings (Singapore’s version of superannuation) isn’t automatically covered by your Will when you pass away. Yes, you read that right! This means that you need to give some separate thought to your CPF if you’re a Singapore citizen or Permanent Resident and therefore have CPF here. The CPF System: What You Need to Know For my fellow Aussies, think of CPF as…

Deepseek & the Average Expat Investor

Deepseek & the Average Expat Investor

by Tiffany Toh

This blog post originally appeared at – https://singapore.feebasedfinancialadvice.com/deepseek-the-average-expat-investor/ It would have been difficult not to have heard of ChatGPT over the past year or so since its launch, but you may not have heard the buzz about the latest entrant…Deepseek. Last week’s DeepSeek announcement has potentially fundamentally changed the game, and as Australian expats, we need to understand both the market implications and technical innovations driving this shift. The DeepSeek Game-Changer While many of us were enjoying our Australia Day weekend, China’s DeepSeek delivered a technological breakthrough that sent global markets into a spin. Unlike typical market fluctuations, this one’s…

Dividend Reinvestment Plans Explained for Australian Expats

Dividend Reinvestment Plans Explained for Australian Expats

by Tiffany Toh

This blog originally appeared at – https://singapore.feebasedfinancialadvice.com/dividend-reinvestment-plans-explained-for-australian-expats/ If you’re an Australian expat living abroad, especially in a financial hub like Singapore, understanding the best strategies to grow your wealth is essential. One of the popular long-term investment strategies is taking advantage of Dividend Reinvestment Plans, commonly known as DRPs. But here’s the catch – the rules around DRPs differ significantly between Australia and Singapore, and it’s important to know how these differences can impact your finances, particularly when it comes to tax. In this blog post, we’ll dive into how DRPs work, compare the systems in Australia and Singapore, and…

The $3 Million Super Cap Is Coming

The $3 Million Super Cap Is Coming

by Tiffany Toh

This article originally appeared at – https://singapore.feebasedfinancialadvice.com/the-3-million-super-cap-is-coming/ In this blog post, we’re going to discuss an important update that could impact your retirement plans – the $3 million superannuation cap. Let’s break down what this means and how you can prepare for it. Planning for retirement is a crucial aspect of your financial well-being, and superannuation is at the heart of this planning for Australians. Superannuation, often referred to simply as “super,” is a system where money is placed into a fund to provide for your retirement. The primary goal of superannuation is to ensure that you have a source…

Costs of Leaving Singapore to Repatriate to Australia

Costs of Leaving Singapore to Repatriate to Australia

by Tiffany Toh

This article originally appeared at – https://singapore.feebasedfinancialadvice.com/costs-of-leaving-singapore-to-repatriate-to-australia/ Deciding to leave the vibrant city-state of Singapore and return to the familiar shores of Australia is a significant life change. While the prospect of reuniting with family and enjoying the laid-back Aussie lifestyle is exciting, it’s essential to be well-prepared for the financial implications of this transition. From taxes and shipping costs to pet relocation and more, there are various expenses you’ll need to consider. This blog post aims to provide you with a comprehensive guide to understanding these costs, helping you plan effectively for a smooth and financially sound move back…

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