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How to Avoid or Overcome a Financial Scam

How to Avoid or Overcome a Financial Scam

by Tiffany Toh

Originally appeared – https://singapore.feebasedfinancialadvice.com/how-to-avoid-or-overcome-a-financial-scam/ I recently came across a story whereby a man was scammed out of $75,000 worth of his and his wife’s savings, which they’d accumulated over a period of 3 years. This wasn’t simply a matter of him clicking on the wrong link, but rather being sold a ‘trading system’ that was making ‘risk-free’ returns, and him transferring their hard-earned savings into the account of the scammer. This was a particularly heartbreaking story, as he didn’t know how to tell his wife, or how to deal with the shame of the experience. What’s even more alarming is…

How to Reduce Your Rent in Singapore

How to Reduce Your Rent in Singapore

by Tiffany Toh

Originally appeared – https://singapore.feebasedfinancialadvice.com/how-to-reduce-your-rent-in-singapore/ “Out of the frying pan, into the fire” Many Australian expats in Singapore, along with most others, of course, have navigated through the difficulties that Covid-19 travel, and work restrictions presented, only to now be faced with rapidly rising rental prices as interest rates have surged. The vast majority of Australian expat households that I’m speaking about within Singapore are facing rental increases of 40% to 80%, and in some cases, well into the triple digits when it comes to the lease renewal time. With interest rates rising leading landlords with mortgages to face higher borrowing…

Investor Insight During Rising Inflation

Investor Insight During Rising Inflation

by Tiffany Toh

Originally appeared on https://singapore.feebasedfinancialadvice.com/where-to-next-for-inflation-equities/ Where to Next for Inflation & Equities..? Cash rates globally have increased rapidly since early 2022, and whilst they’re still low by historical standards, it has certainly created a great deal of volatility across equity and fixed-income markets across the globe. With higher inflation expectations looking likely to remain for the short to medium term, and interest rates unlikely to return to the emergency levels that we saw during Covid-19, what does this mean for investors and how should we be looking to position our portfolios? Firstly, let’s take a look at what’s happening in Australia…

Retirement Savings Structures to Choose From For The Aussie Expat

Retirement Savings Structures to Choose From For The Aussie Expat

by Tiffany Toh

I often get clients coming to me with the question, I have extra funds at the moment, should I contribute these funds to Superannuation? Often, I would reply that if you are close to retirement or you have an investment with positive income in Australia then that maybe an option. But there are other tax-effective savings structures apart from superannuation that maybe more effective for Australian working offshore. When we think about planning for retirement we often think about Australian Superannuation.  But as an Expatriate working overseas there is another choice. There are two optimal structures for savings for Retirement. …

Repatriation Checklist for Australian Expats in Singapore

Repatriation Checklist for Australian Expats in Singapore

by Tiffany Toh

This article originally appeared on Whether you’ve been away for one year or ten, repatriation can be an especially emotional and disruptive time. We’ve compiled a checklist of things to consider for a smooth repatriation. It’s best to plan at least 3 months in advance so you have plenty of time to sort out all the details of your move back to Australia. The average Australian expat spends 5 – 7 years living and working abroad in Singapore, which can be a significant amount of time when it comes to planning to relocate your life and family back to Australia….

How Much Super Should I Have At My Age..?

How Much Super Should I Have At My Age..?

by Tiffany Toh

How Much Super Should I Have At My Age..? This article originally appeared on https://singapore.feebasedfinancialadvice.com/how-much-super-should-i-have-at-my-age/ “We only have $X in our superannuation, and we know that this isn’t very much at our age..” This is one of the most common statements that I hear from Australian expats in Singapore and across the globe, particularly from those that have been living and working abroad for some time. Chances are that if they’ve been living and working abroad for some time, particularly without receiving any financial advice, they will have largely ignored their superannuation and won’t have been actively making contributions. However,…

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