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10 Things to Do Before You Retire - Global Financial Consultants

10 Things To Do Before You Retire

by Global Financial Consultants

[vc_row css_animation=”” row_type=”row” use_row_as_full_screen_section=”no” type=”full_width” angled_section=”no” text_align=”left” background_image_as_pattern=”without_pattern”][vc_column][vc_column_text]To have a comfortable, secure, and enjoyable retirement, there is a need to build up your wealth to provide for the lifestyle that you want. Retirement planning is a multi-step process that takes time and ideally begins in your 20s and throughout your working life. However, far too many people delay planning for their retirement, stating that they will start planning ‘next year’ and perpetually continue to ‘kick the can down the road’. Most Singaporeans and expats plan to retire between 60 and 65 years of age, with many hoping they would have…

Enough - How Much is That

Enough – How Much is That?

by Global Financial Consultants

[vc_row css_animation=”” row_type=”row” use_row_as_full_screen_section=”no” type=”full_width” angled_section=”no” text_align=”left” background_image_as_pattern=”without_pattern”][vc_column][vc_column_text] Article originally appeared at – https://michaeldavidson.life/enough-how-much-is-that/ “Enough is a feast” (Buddhist proverb) Kurt Vonnegut told his friend, Joseph Heller, at a party thrown by a hedge fund manager, that their host had made more money in a single day than Heller had earned from his novel, “Catch 22” over many years.  Vonnegut’s response: “Yes, but I have something that he will never have – enough!”   My own journey towards Enough – guitars As a teenager in the 1980’s, I became enamoured with the electric guitar.  At the time, all I could…

DOLLAR-COST AVERAGING LUMP SUM INVESTING

DOLLAR-COST AVERAGING LUMP SUM INVESTING

by Global Financial Consultants

[vc_row css_animation=”” row_type=”row” use_row_as_full_screen_section=”no” type=”full_width” angled_section=”no” text_align=”left” background_image_as_pattern=”without_pattern”][vc_column][vc_column_text]Should I dollar-cost average or lump sum my investment funds? This is common conundrum investors face at the very beginning of their investment-making process. The short answer is ‘it depends. In this article, we shall discuss methodically the pros and cons of both of these investment approaches with the intention of guiding an investor towards the right direction based on your unique risk tolerance, future market expectations, financial situation, and investment objectives.   Dollar-Cost Averaging Dollar-cost averaging is an investment strategy in which the total sum to be invested is divided up into…

COMPARISON OF ETFs & MUTUAL FUNDS

COMPARISON OF ETFs & MUTUAL FUNDS

by Global Financial Consultants

[vc_row css_animation=”” row_type=”row” use_row_as_full_screen_section=”no” type=”full_width” angled_section=”no” text_align=”left” background_image_as_pattern=”without_pattern”][vc_column][vc_column_text]Exchange-traded Funds (ETF) and Mutual Funds (commonly known as Unit Trusts) originate from the concept of pooled fund investing. They are effective investment products to offer diversification to the market and economies of scale to your portfolio. However, there are fundamental differences that must be taken into consideration when deciding where to allocate your investments. Exchange-Traded Funds (ETFs) An ETF is a type of financial instrument that tracks a specific index, sector, commodity, or even investment strategy. ETFs have benefitted tremendously from the rising popularity of low-cost and diversified index fund management. Per…

THE DANGERS OF IDLE CASH

THE DANGERS OF IDLE CASH

by Global Financial Consultants

[vc_row css_animation=”” row_type=”row” use_row_as_full_screen_section=”no” type=”full_width” angled_section=”no” text_align=”left” background_image_as_pattern=”without_pattern”][vc_column][vc_column_text]Idle cash is money that is merely in a form that does not appreciate in value. Idle cash does not participate in economic markets and is therefore not creating any wealth. Uninvested cash may feel more readily available compared to when it’s invested, however, there is always a better way to manage your funds. Keeping idle cash isn’t as useful as one might believe. Therefore, uninvested funds gradually squander value over time, especially in an economic environment where they fail to keep up with the impacts of inflation. Cash The amount of cash…

Jarrad Brown - Australian Expat Financial Planner - Blog Aug 2021

Australian Expat Travel Exemption Repealed

by Global Financial Consultants

[vc_row css_animation=”” row_type=”row” use_row_as_full_screen_section=”no” type=”full_width” angled_section=”no” text_align=”left” background_image_as_pattern=”without_pattern”][vc_column][vc_column_text]This article originally appeared on: https://singapore.feebasedfinancialadvice.com/automatic-exemption-expat-travel-repealed/ It almost went unnoticed…almost! On 1st August 2021, our Minister for Health and Aged Care, Greg Hunt, amended the Biosecurity Act 2015, which could have serious ramifications for many Australian expats, both those who are currently in Australia visiting friends or family, or those looking to head back for a trip. In simple terms, this amendment to the act, will stop Australian citizens and residents from automatically being allowed to return to their normal country of residence, whether that be Singapore or elsewhere. This change comes into…

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