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Strategies for a Rising Rate Environment

January 12, 2023 at 09:22 AM — by Tiffany Toh

This article originally appeared at – https://singapore.feebasedfinancialadvice.com/strategies-for-a-rising-rate-environment/ Are you feeling the heat of rising interest rates? It’s natural to be concerned about how changes in the market might impact your finances, particularly with the Reserve Bank of Australia (RBA) lifting rates faster than we’ve seen in over a decade. But it’s important not to stress about these changes, and remember that on a long-term basis, interest rates are still relatively low, debt can be managed, and the volatility we are experiencing is creating opportunities in the market for astute investors. In this article, we’ll arm you with the knowledge and…

New Year, New Financial Plan – How To Make Your Goals Stick

January 4, 2023 at 09:58 AM — by Tiffany Toh

This article originally appeared at – https://singapore.feebasedfinancialadvice.com/new-year-new-financial-plan-how-to-make-your-goals-stick/ Welcome to the new year! It’s the perfect time to set some fresh financial goals and come up with a plan to achieve them. Whether you’re looking to save a few extra dollars, pay off debt, save for your kids’ education, or invest in your future, setting financial goals can help you take control of your dosh and achieve your long-term financial dreams. But it’s important to set goals that are realistic and achievable, rather than setting yourself up for a fall. In this article, we’ll give you a step-by-step guide for creating…

How to Avoid or Overcome a Financial Scam

December 15, 2022 at 09:45 AM — 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

December 7, 2022 at 09:40 AM — 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

November 16, 2022 at 10:55 AM — 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

November 9, 2022 at 10:01 AM — 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. …

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