Gravitas Assurance

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Want to learn more about yourself and find out 𝐰𝐡𝐚𝐭 𝐚𝐫𝐞 𝐲𝐨𝐮𝐫 𝐜𝐨𝐦𝐩𝐚𝐭𝐢𝐛𝐥𝐞 𝐜𝐚𝐫𝐞𝐞𝐫𝐬? Look no further! Take our quick Big Five personality test and gain deeper insight into your true potential. 🧠✨

Find out which career suits you best and discover new perspectives on your professional journey 🚀💼

🔗 https://bit.ly/3y9X0uY

Share your results with us and your friends! 🥳

Gravitas Assurance Helping you achieve financial dignity 🌻

🏆 MDRTS
📌 𝗚𝗿𝗮𝘃𝗶𝘁𝗮𝘀 𝗧𝗲𝗮𝗺 𝗮𝗻𝗱 𝗔𝗹𝗮𝗻 𝗦𝗶𝗺, 𝗔𝘀𝘀𝗶𝘀𝘁𝗮𝗻𝘁 𝗩𝗶𝗰𝗲 𝗣𝗿𝗲𝘀𝗶𝗱𝗲𝗻𝘁
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Want to learn more about yourself and find out what are your compatible careers? Look no further! Take our quick Big Five personality test and gain deeper insight into your true potential. 🧠✨

Find out which career suits you best and discover new perspectives on your professional journey 🚀💼

🔗 Link available in bio!

Share your results with us and your friends! 🥳

Term insurance policies!

Another solution to meet your protection needs. 📋 Here, we explore what term policies entail, covering the basics of what there is to know about it, and how you can navigate them. 🗺️

INVESTING! 🤔 In this post, we dive into the goods and not-so-good of both lump sum and regular investments.

Investing a lump sum 💰can be a convenient way to set aside your investment all at once and spares you from subsequent inputs. However, it could start to weigh on your mind when the investment fluctuates with the market and that you have to keep monitoring and sell at the right time to make a profit 😥.

On the flip side, regular investments offers multiple entry points into the market and the effect of dollar-cost averaging (DCA). This requires more time in the market and patience to hold on to your investments. However, with preset standing instructions on digital brokerage platforms, you can invest your funds automatically each month without worries. By leveraging both up and down periods in the market 📉📈, it helps reduce risks and steadily grow your money over time. This can pay off handsomely for the disciplined. 🌱

However, make sure to do your research and due diligence adequately before making any quick decisions regarding your investments! Feel free to consult with any of our Gravitas’ advisors. 😊

Whether you're doing your taxes for the first time or finding ways to become better at it, here are a few things to know for your upcoming and future tax filings!

Hope you find the information helpful and better manage your income taxes in the years to come! 🧾📝

𝘛𝘩𝘦 𝘪𝘯𝘧𝘰𝘳𝘮𝘢𝘵𝘪𝘰𝘯 𝘪𝘴 𝘮𝘦𝘢𝘯𝘵 𝘱𝘶𝘳𝘦𝘭𝘺 𝘧𝘰𝘳 𝘪𝘯𝘧𝘰𝘳𝘮𝘢𝘵𝘪𝘰𝘯𝘢𝘭 𝘱𝘶𝘳𝘱𝘰𝘴𝘦𝘴 𝘢𝘯𝘥 𝘴𝘩𝘰𝘶𝘭𝘥 𝘯𝘰𝘵 𝘣𝘦 𝘳𝘦𝘭𝘪𝘦𝘥 𝘶𝘱𝘰𝘯 𝘢𝘴 𝘧𝘪𝘯𝘢𝘯𝘤𝘪𝘢𝘭 𝘢𝘥𝘷𝘪𝘤𝘦.

How can you support yourself financially in the event of a disability?

Here’s a guide on securing a disability income 💵 you will need in the dire times with the government scheme, CareShield Life, as well as additional disability coverage with supplements from private insurance companies, using your Medisave. 🛡️

Check out our previous post on hospitalisation coverage, ➡️ MediShield Life.

𝘛𝘩𝘦 𝘪𝘯𝘧𝘰𝘳𝘮𝘢𝘵𝘪𝘰𝘯 𝘪𝘴 𝘮𝘦𝘢𝘯𝘵 𝘱𝘶𝘳𝘦𝘭𝘺 𝘧𝘰𝘳 𝘪𝘯𝘧𝘰𝘳𝘮𝘢𝘵𝘪𝘰𝘯𝘢𝘭 𝘱𝘶𝘳𝘱𝘰𝘴𝘦𝘴 𝘢𝘯𝘥 𝘴𝘩𝘰𝘶𝘭𝘥 𝘯𝘰𝘵 𝘣𝘦 𝘳𝘦𝘭𝘪𝘦𝘥 𝘶𝘱𝘰𝘯 𝘢𝘴 𝘧𝘪𝘯𝘢𝘯𝘤𝘪𝘢𝘭 𝘢𝘥𝘷𝘪𝘤𝘦.

Embarking on health and financial security and feeling uncertain about what medical coverage there is for you?

Here’s a guide on the basic government hospitalisation scheme, MediShield Life 🏥, as well as how you can further enhance your coverage and protection with Integrated Shield Plans (IPs) with private insurance companies. 🛡️

Check out our next post on disability protection, ➡️ CareShield Life.

𝘛𝘩𝘦 𝘪𝘯𝘧𝘰𝘳𝘮𝘢𝘵𝘪𝘰𝘯 𝘪𝘴 𝘮𝘦𝘢𝘯𝘵 𝘱𝘶𝘳𝘦𝘭𝘺 𝘧𝘰𝘳 𝘪𝘯𝘧𝘰𝘳𝘮𝘢𝘵𝘪𝘰𝘯𝘢𝘭 𝘱𝘶𝘳𝘱𝘰𝘴𝘦𝘴 𝘢𝘯𝘥 𝘴𝘩𝘰𝘶𝘭𝘥 𝘯𝘰𝘵 𝘣𝘦 𝘳𝘦𝘭𝘪𝘦𝘥 𝘶𝘱𝘰𝘯 𝘢𝘴 𝘧𝘪𝘯𝘢𝘯𝘤𝘪𝘢𝘭 𝘢𝘥𝘷𝘪𝘤𝘦.

As we join the workforce and get into our daily routines, it’s easy to forget self-development and procrastinate learning. With time being an invaluable resource, everything seems to be of utmost urgency. ⌛️

Our abilities are the reflections of our skills and if we do not stop to sharpen the axe, the chopping is bound to get harder. "Investing in yourself" means not only elevating your skills and thinking, but also nurturing good mental health and overall well-being across different aspects of your life! 🌈

As the year concludes, spend some time reflecting on what you’ve learnt this year and make plans to prioritise learning in the years ahead! The best investment is always self-improvement. 🌱 The sooner you “invest in yourself”, the sooner you'll reap the benefits. 💪📚

Head down for some ice cream and ✨ with GAA while it lasts! 🍨 🎄

🥳🍦🤤 Room for a free Udders ice cream? 🍨🍧 Drop by Manulife Tower Level 1, Manulife Customer Service Centre anytime today to this Friday (15th Dec), 9am and 5pm!

While stocks last! 😍

Fill | Will & LPA Webinar A Will only kicks in when one passes on. Lasting Power of Attorney kicks in when one is still around but has lost the mental capacity to make decisions. How can I make sure that my loved ones are duly taken care of in such situations? 21 October 2023 | Saturday 10AM to 11AM (Singapore Time) Zoom Web...

Million Dollar Round Table (MDRT) is an organization dedicated to encouraging ethical values and whole-person development in the financial services industry. At the MDRT Global Conference, members from all over the world had come together to learn, exchange ideas and grow together for us advisors to best serve you.

The MDRT Foundation also strives to make an impact on improving the lives of the people in need and supports charitable causes such as All Hands and Hearts, to address the needs of communities and empower MDRT members to make a difference around the world.

Learning about this organisation and the accolade of becoming a MDRT advisor inspired me to focus my career efforts to achieve this milestone and recognition. This membership gave me the opportunity to learn from veterans and top advisors on their best practices and develop myself holistically as a whole-person.

I’m truly grateful for the trust and confidence in my team and I, to help you on your financial journey. With your support, I was able to achieve the prestigious MDRT qualification and I'm proud to be part of a 100% MDRT team. This was only possible because of your continuous efforts in helping me grow my community through your recommendations of your loved ones. I remain commited to be part of your life journey to help you achieve your financial goals! Thank you for having me as your financial advisor. 😊

Much like the changing of seasons, our lives go through changes that shape us. Be it embarking on a new career, starting a new business or even becoming a parent, these decisions require us to adapt and grow 🌱.

Each day, we are presented with new memories, no matter the sunny days ☀️and stormy nights ⛈️, they all make us who we are.

Mistakes are an inevitable part of our journey, especially when we're doing something new and discovering the complexities of life 🌸. These mistakes are stepping stones that provide opportunities to learn, grow, and deepen our understanding of the world.

Whether it's sharpening a skill, fostering relationships, or nurturing our passions, we are pushed forward by an innate desire to improve. It's this pursuit that keeps us reaching for higher goals and greater achievements. ✨

Get started on your goals now! You don’t have to wait for the new year to commit to resolutions. Take small but consistent steps towards your resolutions and you will change before you know it.

Our lives, like the seasons, are a balance of change and growth, ever-evolving and ever-blossoming. ❄☀🍂🌻

Do you feel overwhelmed by the numbers, technical jargon, and the seemingly endless complexities of financial planning? You are not alone.

Here is where we come in to help you! 😊 With knowledge and discipline, you’ll have the courage to take action and secure a better financial future.💭

𝘛𝘩𝘦 𝘪𝘯𝘧𝘰𝘳𝘮𝘢𝘵𝘪𝘰𝘯 𝘪𝘴 𝘮𝘦𝘢𝘯𝘵 𝘱𝘶𝘳𝘦𝘭𝘺 𝘧𝘰𝘳 𝘪𝘯𝘧𝘰𝘳𝘮𝘢𝘵𝘪𝘰𝘯𝘢𝘭 𝘱𝘶𝘳𝘱𝘰𝘴𝘦𝘴 𝘢𝘯𝘥 𝘴𝘩𝘰𝘶𝘭𝘥 𝘯𝘰𝘵 𝘣𝘦 𝘳𝘦𝘭𝘪𝘦𝘥 𝘶𝘱𝘰𝘯 𝘢𝘴 𝘧𝘪𝘯𝘢𝘯𝘤𝘪𝘢𝘭 𝘢𝘥𝘷𝘪𝘤𝘦.

Get ready to receive your GAA National Day goodies for clients from the team! 🇸🇬🫶🏻

Are you ready as Singapore turns 58 on August 9th?

NDPeeps

Many of us often wonder, 'Should I start now?' when approaching financial planning.

Whether you're set on financial independence retire early (FIRE), planning for a big purchase, or simply to achieve financial stability, the best time to start working on your financial plans is NOW.⏰

Don't let fear or doubts hold you back any further. With careful planning, discipline, and the right mindset, you can lay a solid foundation for a promising future. 🌟

So, take that first step! Educate yourself, set clear goals, and create a budget that aligns with your aspirations. Seek guidance from experts and build a support network to keep you motivated along the way. Remember, every small action counts towards making a huge difference in the long run. 📈

The journey to financial freedom may have its challenges, but the rewards are immeasurable. Believe in yourself and trust the process.

Secure Your Legacy, leave a lasting income for future generations and ensure your loved ones are financially free even when you are gone.

In this post, we'll dive into ways you can secure your financial legacy beyond your lifetime. ✅

1️⃣ Writing a Will: Protect your loved ones and ensure your assets are distributed according to your wishes. 📝👨‍👩‍👧‍👦

2️⃣ Schedule of Assets: Get organised with a comprehensive list of your assets and their value. 🗒️💰

3️⃣ CPF / Insurance Nomination: Distribute your CPF savings by nominating your loved ones as beneficiaries. Ensure they receive the benefits they deserve and provide them with financial security. 🎁❤️

4️⃣ Lasting Power of Attorney / Advanced Medical Directives:

5️⃣ Trust: Establish a trust to protect your assets and manage their distribution efficiently. It's a powerful tool for generational wealth. 💼🔐

6️⃣ Income for Life: Smart investments and strategies to create a lifelong income stream and enjoy a peace of mind. 💸😌

In a world of uncertainties and where we don’t know if tomorrow doesn’t come, securing your legacy becomes a priority.

Estate planning is key to ensuring your loved ones are taken care of and your wishes are honoured.

From wills to trusts, join us on this journey of financial empowerment and learn how to navigate the intricate landscape of estate planning, where your legacy lives on. 🏰💼

📈 Wealth Accumulation and Risk Management!

In your financial journey, managing risks is crucial to avoid any major losses and to have a sustainable growth in the long-run. ⚖️

1️⃣ Asset Allocation: Don't put all your eggs in one basket! Design a well-balanced portfolio that aligns your goals, time horizon, and risk tolerance. Balancing various assets help optimise returns and manage volatility.

2️⃣ Knowledge is power! Stay informed about investment strategies and market trends. Continuous learning enhances your decision-making abilities.

3️⃣ Objectives, strategies, and tactics: Having a clear investment objective to ensures that it is focused and measurable. Strategies can run for long periods during a market cycle while tactics are more short-term approaches to capitalise on market volatility.

The Power of Savings and Investment! 🧮

💰 Saving is cultivating the habit of setting aside part of your income for future expenses and liquidity. Having a savings account / savings plan gives you financial security and freedom to seize opportunities as they arise.

🌱 Investing involves putting your money to work, looking for avenues that will generate higher returns over time. A smart investment can help beat inflation, grow your wealth and give you access to a better financial life. 🌟

You can accumulate a back-up fund by saving diligently and harness the power of compounding by investing intelligently. 📈🧧

So, where do you start? 🤔 Begin by cultivating a good saving habit, no matter how small. Then move onto educating yourself, seeking expert advice, and diversifying your investment portfolio.

Investment or Speculation? 🔍 Same-same but Different!

Speculation is riding the waves of uncertainty by anticipating market movements. 🎢

Investing involves a patient journey, guided by analysis and long-term vision to harness the power of compounding. 🌱🔜🌳

These two approaches to wealth creation are guided by different mindsets. One can balance these two to gain equity, by investing in the long-term and taking calculated risk in speculation. 📊📈

Celebrated our achievements and hard-work with Manulife Singapore at the 2023 MAG awards! 😊

"ah boy/ ah girl ah, you must save money for a rainy day... or else next time no money how?" ☔

An emergency fund is a sum of money that you set aside in an easy-to-access account, for unexpected expenses and financial emergencies. This money is to provide you with liquidity in times of financial difficulties and to avoid chalking up high interest debts like credit cards and personal credit loans. Without one, you risk falling into a vicious cycle of recurring debts and sn*******ng interests.

A good rule of thumb to follow for how much of emergency fund to have is 3 to 6 months of your monthly expenses. Anything less and you run the risk of not having enough, and anything too much means your money is not working hard for you as emergency funds are usually kept in low-interest bank accounts for easy access.

One more point to note is to keep your emergency funds in a separate bank account from your current or expense account. This will help the funds to grow and keep you from putting your hands in the cookie jar for non-emergency expenses.

The cornerstone of the Financial Pyramid; Financial Protection, is the foundation in which the Financial Pyramid is build upon. It serves to support you and your family from devastating financial blows that could cripple the best of us.

Generally, there are 2 categories of Financial Protection protection 🛡️; (a) Medical Defence and (b) Financial Defence. For Medical Defence, we refer to medical expenses resulting from hospitalisation and accidents. For Financial Defence, we refer to the potential income loss from premature demise, disability and critical illnesses.

A solid and complete defence in Financial Protection prevents any financial shocks or disasters from destroying a person or even a family's financial life. We face risks in our lives daily and the best way to manage risks is to understand what type of risks we are dealing with and what is the best approach to live with an acceptable risk.

Welcome to Gravitas Assurance! 🎉

If you're just joining the workforce or looking to get your finances in order, starting with a budget is crucial! Having a budget helps you manage your money and find the most efficient way possible to allocate your resources. It can help you make smart decisions with your money and understand what are the essentials in your lifestyle.

It may seem restrictive and daunting to keep to a budget but it's actually quite simple once you get the hang of it. Start small and simple first, work your way up and before you know it, you'll have a solid budget you can stick to comfortably.

Some suggestions to start setting a budget for are accommodations, transportation, food, clothes, bills and utilities, healthcare and wellness, family, debts repayment, etc.