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Simple Financial Plan to Start Off The Year

January 31, 2023 at 01:35 PM — by Tiffany Toh

When clients ask me how to set out a simple financial plan for the year, I like to suggest that they start and end with two values in mind, which I do each year for my own financial plans. These two are: - How did I start the year Recently I attended an event where I had a chance to talk to a few fellow Australian Expatriates working away from home. In each case, I started the conversation – “Do you know what your current superannuation balance is? Within $5,000?” In most cases, no one did, or they only had…

How to Inflation-Proof Your Portfolio

January 25, 2023 at 10:51 AM — by Tiffany Toh

This article originally appeared at – https://singapore.feebasedfinancialadvice.com/how-to-inflation-proof-your-portfolio/ Inflation is a natural part of any economy, but it can have a significant impact on investments. As prices rise, the purchasing power of your money decreases, and investments that were once profitable can quickly become a losing proposition. This is why it’s crucial to understand the effects of inflation and take steps to inflation-proof your portfolio. The inflation data that we have already seen in both Australia and the United States of America in 2023 is highlighting that whilst we are seeing some pullback in inflation, it remains stubbornly high. This is…

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…

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