Janice Financial Planning

Embrace the pursuit of perfection, and you'll find excellence along the way!

James Clear, author of Atomic Habits, succinctly captures this essence: “You don’t rise to the level of your goals. You fall to the level of your habits and systems.”

for your sunday breakfast read 🍞🍳☕

Elevating your financial journey with good money habits GOAL-setting is usually the first step in setting up a financial plan. However, while goals can provide direction, simply setting them is not enough. Read more at The Business Times.

🌟 “In today’s dynamic market, where volatility is the norm, strategic decisions matter more than ever. Our IPP Eagle Eye program serves as your vigilant co-pilot, tirelessly monitoring and rebalancing your investment portfolio. Whether it’s optimizing asset allocation, seizing growth opportunities, or mitigating risk, we’ve got you covered. 🐥🙌

Trust us to navigate the turbulence while you focus on your financial goals. 🦅🔍📈

Janice Financial Planning

T-bill yields hit a 30-year high of 4.4 per cent in December 2022 amid a high interest rate environment.
Another 30 year wait?

Latest Singapore 6-month T-bill cut-off yield falls to 3.4% THE cut-off yield on the latest Singapore six-month Treasury bill (T-bill) slid to 3.4 per cent, based on auction results released by the Monetary Authority of Singapore (MAS) on Thursday (Aug 1). Read more at The Business Times.

Effortless is a myth.

Roger Federer Just Gave the Best Graduation Speech I’ve Ever Heard. He Summed It All Up in Just 14 Words In his commencement speech for the 2024 graduating class of Dartmouth College, tennis great Roger Federer gives a master class in emotional intelligence.

📣📣PSA

Dear friends,

Join us for our exclusive webinar, "𝙉𝙖𝙫𝙞𝙜𝙖𝙩𝙞𝙣𝙜 𝙮𝙤𝙪𝙧 𝙞𝙣𝙫𝙚𝙨𝙩𝙢𝙚𝙣𝙩𝙨 𝙞𝙣 2024", and discover the insights and strategies you need to thrive in today's dynamic market.

Let's take control of our wealth and create a brighter financial together 🪄🪄

If you are interested to join, pls pm me for registration link 🙂

"The changes to the CPF system are a wake-up call for everyone to empower themselves with financial knowledge, understand the need to invest, their risk profile and the wide range of investment options.

In addition to leveraging government schemes to grow your nest egg, do reach out to professional wealth planning managers to help close your gaps and boost financial resilience."

Closure of CPF Special Account: What’s next? NEWS that the Special Account (SA) of the Central Provident Fund (CPF) will be closed from early 2025 for those aged 55 and above has thrown a spanner in the retirement plans of some CPF members, particularly those who have substantial SA savings after turning 55. Read more at The Business Times.

https://blog.seedly.sg/true-cost-cancer-treatment-singapore/

Can You Afford Cancer Treatment? An Insight On The True Cost Of Cancer Treatment In Singapore Can you afford the cost of cancer treatment in Singapore? Each year, 16,760 Singaporeans get diagnosed with cancer. How can we help?

Learn the difference between emergency funds and insurance and understand the situations where each can come in handy!

Personally, the cost of a financial crisis can be very hefty. Always ensure we have good insurance to protect for unplanned situations 🧐🧐

Good roundup for 2023!

"2023 did not really play out in the way most investors expected. Stocks were supposed to underperform as policymakers’ aggressive tightening threatened a recession. However, the US economy remained resilient, showing that it has become less sensitive to higher interest rates. Even with a regional banking crisis and rising geopolitical tensions around the world, the economy and financial markets remained firm."

More at the link below:
https://secure.fundsupermart.com/fsmone/article/rcms285622

As always, do look at planning ahead and be prepared to ride through ups and downs for best optimisation for our financial portfolios 🐥👾

Happy to journey with you Financial Planning

Top Equity Funds of 4Q23: The winners (and losers) as stocks ended the year on an unexpected high | FSMOne Singapore We take a look at the best and worst-performing equity funds in 4Q23 and share how you can position your portfolio as the new year unfolds.

What are your thoughts?

Why it is critical to have lifelong income when you retire Many people don't have enough money in old age because they don't plan for unexpected expenses. Read more at straitstimes.com.

CPFB | 5 crucial areas for a comprehensive financial review As the year concludes, it's opportune to engage in a comprehensive financial health check-up. Discover the essential 5 areas that warrant your attention.

Hey everyone!😊

I'm starting a new series of 🌟 finance tips 🌟 that I'll share with you every now and then on Fridays.

This week, I want to talk about 🌟What happens when you miss your insurance premiums🌟. 🤷

We might think that we can just pay them later and reinstate your policy, but it's not that simple. When our policy lapses, we lose our coverage right away. When we reinstate it, *we need to inform the insurer about any new health issues* we might have. They might change our coverage terms based on that.

So it's better to pay our premiums on time and avoid any hassle or risk of losing our benefits!

If you need any help with managing your insurance payments, feel free to contact me anytime. I'm here to help you secure your financial future! 🔮

Also, if you have any suggestion on what tips I should share next, do let me know. I'd love to hear from you and answer your questions! 🤔😎

In the third quarter of 2023, performance for equity markets was underwhelming, with only four markets closing in the green. Here, we present the best and worst performing markets for 3Q23 and their respective outlooks for the year ahead.

3Q23 Market Report Card – Best and Worst Performing Equity Markets | FSMOne In the third quarter of 2023, performance for equity markets was underwhelming, with only four markets closing in the green. Here, we present the best and worst performing markets for 3Q23 and their respective outlooks for the year ahead.

Happy Mid Autumn!
🎑 🐰

Good news or bad news?

4 insurers deemed too big to fail to face higher standards and scrutiny under new MAS rule They are AIA, Income, Prudential and Great Eastern Life. Read more at straitstimes.com.

Happened to share this with a client during our yearly review today.

Not all financial risks need to be addressed. From the risk matrix in the article, which risks do you think should be transferred, and which to be retained? 🤔🤔

Financial Risk 101: What is Financial Risk and How do You Manage it? - Savology Understanding financial risk along with the different types of financial risk is helpful when it comes to protecting your money.

Hello and good day! ☀ 🍏

My insurer partner, FWD and I would like to extend a webinar invitation to you to join Parkway Cancer Centre and FWD Singapore for a healthcare webinar on Zoom.

🗓️ 24th August, Thursday
🕒 7:30 - 9:00pm

RSVP here: https://fwdsg.zoom.us/webinar/register/WN_L5FHMDpkQ5yxqkCjBXn6aQ

✅ Learn more about cancer trends from a healthcare professional
✅ Find out about off label drugs and how it might benefit cancer recovery
✅ Discover how FWD Cancer 100 can complement your existing cancer coverage

🔔 What’s more? Stand a chance to win *Apple iPad 10.2 64GB or Harvey Norman vouchers* simply by registering and attending the online webinar 🥳

❕Note: This product is distributed online by FWD with no financial advice required.

Best Regards
Janice 😎

Dear clients and friends,

I came across this interesting article that shows how bad timing in investment can take a bite out of returns

Timing the market seems simple enough: buy when prices are low and sell when they’re high. 📈

But did you know!
😱Over the last 20 years, *7 of the 10 best days* happened when the market was in bear 🐻 market territory.
😱 Interestingly, the worst days in the market typically occurred in bull 🐂 markets.
💡 As historical data shows, the best days happened during market turmoil and periods of heightened market volatility.

Hereby illustrating that *staying invested through market highs and lows* is the time- tested way to generate competitive returns in the long run!

LET'S INVEST SMARTER TOGETHER! 👩🏼‍🎓🧑🏼‍🏫

Cheers
Janice 😎

Timing the Market: Why It’s So Hard, in One Chart 📈

https://www.visualcapitalist.com/chart-timing-the-market/

Has the Singapore Property Market Peaked? We Found Two Compelling Tell-Tale Signs Is the Singapore property market cooling down? We found two compelling tell-tale signs that signal a slow down!

🩺💊𝐖𝐚𝐧𝐭 𝐭𝐨 𝐛𝐞 𝐜𝐨𝐯𝐞𝐫𝐞𝐝 𝐟𝐨𝐫 𝐝𝐫𝐮𝐠 𝐭𝐫𝐞𝐚𝐭𝐦𝐞𝐧𝐭𝐬 𝐧𝐨𝐭 𝐬𝐩𝐞𝐜𝐢𝐟𝐢𝐞𝐝 𝐮𝐧𝐝𝐞𝐫 𝐭𝐡𝐞 𝐂𝐚𝐧𝐜𝐞𝐫 𝐃𝐫𝐮𝐠 𝐋𝐢𝐬𝐭 (𝐂𝐃𝐋)?

Check out FWD Cancer 100, a plan that pays out 100% sum insured, when a person insured is diagnosed with a Major Cancer and requires cancer drug treatment not in the CDL.

📨Good news!
You can find out more information and also apply for the product online using my link.
👉 https://www.fwd.com.sg/app/70000014

What's more, 𝐬𝐩𝐞𝐜𝐢𝐚𝐥𝐥𝐲 𝐟𝐨𝐫 𝐲𝐨𝐮, 𝐜𝐥𝐢𝐞𝐧𝐭 𝐨𝐟 𝐈𝐏𝐏, 𝐞𝐧𝐣𝐨𝐲 𝟓𝟎% 𝐝𝐢𝐬𝐜𝐨𝐮𝐧𝐭 𝐨𝐟𝐟 𝐟𝐢𝐫𝐬𝐭 𝐲𝐞𝐚𝐫 𝐩𝐫𝐞𝐦𝐢𝐮𝐦 𝐝𝐮𝐫𝐢𝐧𝐠 𝐭𝐡𝐞 𝐥𝐚𝐮𝐧𝐜𝐡 𝐩𝐫𝐨𝐦𝐨 𝐟𝐫𝐨𝐦 𝟐𝟎𝐭𝐡 𝐉𝐮𝐥 - 𝟑𝟏𝐬𝐭 𝐉𝐮𝐥.🎉🎉

T&Cs apply.

Best Critical Illness Insurance Plans in Singapore (2023) Critical illness insurance policies provide a sum of money to cover your expenses in an event where you're diagnosed with a critical illness, and have to stop working. There are different policies that offer different types of payouts, including single payouts and multiple payouts. Here are some of....

A commonly asked question by many of my clients - How do I kickstart my financial planning?
And it actually doesn't start with investing or buying insurance 😏😏

The next question is - Can I do it on my own? 😝
Technically, yes. But highly depends on your level of discipline and how capable you are of managing yourself. I find that emotions are the hardest part, not the money part.

If you need some guidance, there's always
My schedule is usually packed up in the coming 2 weeks. Hit my appt link early to secure a slot of your choice! www.calendly.com/planwithjan

Dear friends,

I'm thrilled to announce the launch of my new digital name card, showcasing the financial services and coaching I offer. As someone who values quality and innovation, I wanted to personally extend an invitation to you to explore my offerings.

Whether you're in need of investment advice or simply seeking a reliable and dedicated wealth advisor to journey with you, I'm here to help you achieve your goals.

I would be delighted to connect with you and discuss how I can benefit your financial lives!

Thank you for your time, and I look forward to the opportunity to collaborate and make a positive impact together.

janice-tan.card.goalsmapper.com

My first collaboration with Youtube influencer‼️

💁‍♀️💁‍♂️Many foreigners working in Singapore have mixed feelings about making financial plans here; for the practical fact that they could return to their home country eventually. Glad to have this opportunity to share my team's view on how best to strategise and address this concern, without short changing your plans.

If you or you have friends/family who are stuck in similar situation, go on and click in! 😎

选错了吗?在新加坡工作时买了新加坡的保险~【Is Buying Insurance In Singapore A Wrong Choice?】 #新加坡生活之前在新加坡工作时买的保单现阶段每年都还在缴付保费，我已经回到马来西亚快要两年了，是否应该断保呢？这一期的影片就来让大家看看我会怎么做，我有向专业人士查.....

Proud to be APEX-ian! 🏆

Winning once could be luck, winning twice could be continued luck, but to be continuously winning, there must be some recipe to that.

🎖APEX is proud to groom 4 out of IPPFA's Top 10 Achievers, out of 300 representatives company wide. Half of us are MRT/COT/TOT members. More than half of us are in the Top 100 Achievers in our company. We come from diverse backgrounds - fresh graduate, mid-career switchers, elite schools, fresh from army, superwoman working mums, sole bread winner husbands - coming together to form this TOP Advisory Group.

When the student is ready, the teacher appears.
Are you my student?👩‍🎓🧑‍🎓