Vision Advisory Management

Want to keep your teeth sparkling and healthy? Tartar buildup can be a pesky problem, but with a few simple habits, you can keep it at bay! Regular brushing, flossing, and dental check-ups are key to maintaining a bright smile. Don't forget the power of a good mouthwash and a balanced diet to support your oral health.

Taking care of your teeth today means fewer issues tomorrow. Let's prioritize our smiles and enjoy the benefits of great dental hygiene!

https://www.nofrillsdental.com/tartar-prevention/

Are you ready to step into your dream home but feeling overwhelmed by mortgage options? Don’t worry, we’ve got you covered! Here are some key insights to guide you in choosing the best mortgage loan package:

Understanding the different types of interest rates is essential. Each has its own benefits and risks, and knowing these will help you select a package that aligns with your financial stability and goals.

The duration of your loan significantly impacts your monthly repayments and the total interest you will pay over time. Balancing your immediate budget needs with long-term financial planning is key to finding the right tenure.

Hidden costs can add up. From processing fees to early repayment penalties, it’s important to factor in all possible expenses when calculating the overall cost of your mortgage.

Remember, your mortgage payments should fit comfortably within your budget without stretching your finances too thin. Consider how long you plan to stay in the property and consult with a professional to understand all terms and conditions.

Taking the time to research and seek professional advice can lead to a mortgage loan package that supports your financial goals and provides peace of mind.

Yet another month packed with market and product updates and training for our financial planning partners. As the market evolves daily, we believe our partners need to stay nimble. But before they can adapt, they must fully grasp the market situation and be equipped with the latest knowledge and understanding of the products.

This month, our sessions were designed to provide just that. We focused on delivering clear, actionable insights and practical training to ensure our financial planning partners are always ahead of the curve. Whether it's understanding new market trends or getting to know the latest product features, our goal is to empower our partners with the tools they need to succeed.

We covered a range of topics, from market movements and economic forecasts to detailed product breakdowns and customer needs analysis. Our expert speakers made sure that each session was engaging and informative, leaving them better prepared to navigate the ever-changing landscape of financial planning.

Thank you to our financial planning partners for your commitment to learning and growth. Your drive to stay informed and adaptable inspires us every day. Together, we will continue to thrive and achieve great success.

I’d also like to take this opportunity to thank our expert speakers, Tiger Brokers, iFast, Lion Global Investors, Natixis Global Asset Management, Allianz Global Investors, UOB Asset Management, and Income Insurance Singapore, for their continuous support. Your contributions ensure that our financial planning partner is up-to-date and well-equipped to provide the best service to their clients.

Wishing everyone a joyous and peaceful Hari Raya Haji! May this festive season bring you and your loved ones happiness, togetherness, and moments to cherish.
Enjoy the celebrations and have a wonderful time with family and friends.
Selamat Hari Raya Haji!

Happy Father's Day to all the amazing dads out there!
Today, we celebrate your dedication, love, and the countless ways you make a difference in our lives. Thank you for your guidance, support, and the special moments we cherish.
Enjoy this special day!

Every month, our managers' sharing session brings a fresh wave of inspiration. This month, we reached new heights with stories that left us all deeply motivated and eager to take on new challenges.

Lois Poh opened the session with her inspiring story of being a mother of two while leading an MDRT® producer team. Her journey is a powerful reminder that passion and dedication can help us excel both at home and in our careers. Rachel Ng followed, sharing the secrets of her daily routine, from personal discipline to team management. Her structured approach is a true masterclass in leadership, showing us how consistency and determination can drive top-tier performance. Qide then provided an essential update on Employee Benefits, reinforcing the importance of staying informed and adaptable. Finally, Peter Sin gave an update on market and investment strategies. As our in-house investment expert and leader of a team of senior financial consultants, Peter’s knowledge and leadership are invaluable assets to the organization.

What truly stands out is the common thread among these leaders: each one wears multiple hats, both at home and in their careers, yet they all perform at the highest level. Their stories are a testament to the incredible dedication and versatility that drive success in all aspects of life.

Here’s to our remarkable managers who inspire us to strive for greatness every day!

Thank you to Lois, Rachel, Qide, and Peter for your inspiring sharing.

Happy Dragon Boat Festival to everyone! May this special day fill your life with happiness, health, and treasured times with family and friends.
Enjoy the festivities and savour the delicious dumplings!

In the ever-changing landscape of investing, diversification stands out as a key strategy for managing risk and optimizing returns. By spreading investments across different asset classes, you reduce the impact of market volatility and enhance the stability of your portfolio. Diversification isn’t just about avoiding risk—it’s about strategically balancing it to achieve long-term financial goals.

Explore more about the benefits and techniques of diversification in the article below.

https://www.manulifeim.com.sg/insights/diversification.html

⚽🔙 𝐌𝐚𝐲 𝐅𝐮𝐭𝐬𝐚𝐥 𝐛𝐨𝐧𝐝𝐢𝐧𝐠 𝐬𝐞𝐬𝐬𝐢𝐨𝐧! ⚽🔙

Throwback futsal madness! 🔥⚽️ Our squad hit the court for some classic small-sided action at the team bonding. 💥

We work hard during our jobs, putting in the effort and dedication to excel in our respective roles. But we also believe in the philosophy of "work hard, play hard." This futsal session allowed us to play hard and let loose together after putting in the hard work on the job. Team bonding experiences like this bring us closer and remind us of the importance of balancing our professional efforts with opportunities to recharge and have fun. While we grind it out at work, we also make time to bond, build camaraderie, and enjoy activities like this classic futsal madness.🤜🤛

𝟓 𝐓𝐢𝐩𝐬 𝐟𝐨𝐫 𝐒𝐚𝐟𝐞 𝐓𝐫𝐚𝐯𝐞𝐥 𝐎𝐯𝐞𝐫𝐬𝐞𝐚𝐬

This June holiday season, it's important to ensure your travel is safe and stress-free. Here are five essential tips:

✈️ 𝐒𝐭𝐚𝐲 𝐕𝐢𝐠𝐢𝐥𝐚𝐧𝐭: Always be aware of your surroundings, especially in crowded places. Pickpockets often target distracted tourists.

✈️ 𝐃𝐨𝐧’𝐭 𝐖𝐞𝐚𝐫 𝐅𝐥𝐚𝐬𝐡𝐲 𝐉𝐞𝐰𝐞𝐥𝐫𝐲: Avoid attracting unwanted attention by keeping your accessories simple and understated.

✈️ 𝐁𝐞𝐰𝐚𝐫𝐞 𝐨𝐟 𝐏𝐨𝐩𝐮𝐥𝐚𝐫 𝐒𝐜𝐚𝐦𝐬: Research common scams in your destination to avoid falling victim to them.

✈️ 𝐊𝐞𝐞𝐩 𝐂𝐨𝐩𝐢𝐞𝐬 𝐨𝐟 𝐈𝐦𝐩𝐨𝐫𝐭𝐚𝐧𝐭 𝐃𝐨𝐜𝐮𝐦𝐞𝐧𝐭𝐬: Have photocopies of your passport, ID, and travel documents in case they are lost or stolen.

✈️ 𝐁𝐮𝐲 𝐓𝐫𝐚𝐯𝐞𝐥 𝐈𝐧𝐬𝐮𝐫𝐚𝐧𝐜𝐞: Protect yourself from unexpected events like theft, medical emergencies, or trip cancellations. Travel insurance offers peace of mind and financial coverage.

By following these tips, you may enjoy a safer and more enjoyable holiday. Safe travels and make the most of your adventures!

Success isn't just about reaching the top; it's about the journey, the dedication, and the unwavering commitment to excellence. At the Manulife FA 2024 Awards Night, held at the elegant Ritz Carlton, we witnessed a testament to these values through our incredible financial planning partner.

The evening shone brightly with the achievements of our dedicated team, celebrating their relentless pursuit of excellence. The camaraderie and joy shared among colleagues, friends, and partners highlighted the strength of our collective spirit. Every award, every cheer, and every smile served as a reminder of what we can achieve when we strive together.

Your hard work, passion, and commitment inspire us every day. This recognition is not just a celebration of your achievements, but a beacon of what we can achieve together. Let's continue to elevate each other, push boundaries, and set new standards in financial planning.

Here's to your brilliance, to the milestones we've reached, and to the countless achievements that lie ahead. Keep shining, keep inspiring, and keep striving for greatness.

Congratulations to all the award winners and to the entire team!

The alarming gap in insurance coverage among young adults in Singapore highlights a critical disconnect between traditional insurance models and the modern, flexible career paths many now pursue.

This shift necessitates not only a rethinking of financial security approaches but also an adaptation of insurance products to better suit the evolving demands of younger generations. As we face a future filled with uncertainties, the importance of being adequately insured cannot be overstated.

Are you struggling with financial planning and getting yourself optimally insured? Reach out to us, and our financial planning partners will assist you in navigating these essential decisions.

https://vist.ly/37zhj

🎉 𝘾𝙤𝙣𝙜𝙧𝙖𝙩𝙪𝙡𝙖𝙩𝙞𝙤𝙣𝙨 𝙩𝙤 𝙤𝙪𝙧 𝙁𝙞𝙣𝙖𝙣𝙘𝙞𝙖𝙡 𝙋𝙡𝙖𝙣𝙣𝙞𝙣𝙜 𝙋𝙖𝙧𝙩𝙣𝙚𝙧!🏆

The top achievers of Q1 enjoyed a special luncheon with Manulife FA CEO in recognition of their outstanding performance and dedication🌟

Thank you for your hard work and commitment to excellence. Here's to many more successes ahead! 🥂

Navigating finances as a newlywed couple can be both exciting and challenging. Here are three financial tips that can help young couples build a solid foundation for their financial future together:

By focusing on these three areas, young and newlywed couples can create a strong financial partnership that supports their shared dreams and prepares them for whatever life may bring.

We all look forward to our monthly sharing sessions, and this month is no exception! We're thrilled to welcome producers from our exclusive financial planning partner to share their journeys and experiences with us.

Why do we host these sessions? Because we're a platform committed to fostering a strong community of financial consultants. We believe in the power of learning from each other's experiences. Why repeat mistakes others have made when we can learn from them instead and pave a smoother path to our success?

A special thank you to Joanna, Faiz, Lorene, and Lim Ler for generously sharing the insights and lessons from your paths to success. Your contributions are invaluable to us all.

Warm wishes to you on Vesak Day! May this day bring you peace, joy, and a sense of renewal. Enjoy the celebrations, cherish the unity, and take a moment to appreciate the beauty of life and nature around you.

Happy Vesak Day!

Health screenings are key in catching early signs of illness, often before symptoms even arise. As we age, our bodies change, and so do our healthcare needs. So, which screenings should you prioritize through the years?

This handy guide by Income Singapore is here to help! It’s a simple, age-by-age rundown of the important health screenings that should be on your radar. From your vibrant 20s to your golden 50s and beyond, we've got you covered with a clear checklist.

Stay informed, stay proactive, and let's keep you on the path to a healthy life at every stage!

https://www.income.com.sg/blog/health-screenings-in-singapore

Knowledge is the foundation of success, and we're committed to providing top-notch training and updates to our financial planning partners. This month, we’ve arranged a series of enriching training sessions exclusively for our partners.

We extend our heartfelt thanks to First Sentier Investors, China Life Insurance, Fidelity Asset Management, Tokio Marine Insurance, China Taiping Insurance, and BlackRock Investment Management for taking the time to share their expertise with us. Your contributions greatly enhanced the growth and success of the financial consultants!

Happy Mother's Day to all the incredible mothers!

Today, we celebrate, cherish, and express our gratitude to you for being the foundations of strength, beacons of guidance, and wellsprings of unconditional love in our lives.
Thank you for all that you do!

Congratulations to our financial planning partner, VA Group, on the momentous occasion of your 20th Anniversary. It's incredible to witness the milestones you've achieved and the resilience you've shown over the last two decades. The images from your Awards Night radiate the camaraderie and triumph that your team embodies.

The celebration marks not just years of existence, but a legacy of empowering and guiding clients towards their financial aspirations. Your unwavering commitment to excellence is evident in every handshake, every award, and every smile captured. It's clear you have built more than a company; you have created a vibrant, supportive community that thrives on mutual success.

Here’s to the two decades of innovation, service, and achievements that have defined VA Group. May your journey ahead be filled with the same spirit and determination that have brought you this far. Happy Anniversary!

Why run in circles visiting multiple banks when LoanWorks, our exclusive Mortgage Partner, is your one-stop solution? At LoanWorks, a single point of contact connects you to some of the most competitive rates from numerous banks across Singapore. You'll benefit from unbiased advice, special group rates, and exceptional follow-up service—all designed to make your experience seamless.

Whether you're buying your first house or looking to refinance your current mortgage, contact LoanWorks and they will help you navigate through your options and clear up any confusion, ensuring that you make a decision that's just right for you.

Make your property dreams a reality with ease and confidence! Contact LoanWorks now!

https://loanworks.com.sg/contact-us/individual/

A huge round of applause for all attendees of the Manulife FA International Conference 2024 in Athens. It’s wonderful to see the fruits of your hard work come to life in such a spirited way. Amidst the ancient glory of Athens, you've not only gained invaluable knowledge but also made memories to cherish.

It's clear from the joy in your faces that the conference was as much about fun as it was about business. Can't wait to see what you'll all bring to the next conference. Until then, keep up the great work and continue to carry the torch of innovation and collaboration forward!

Happy Labour Day!

Today, we honour the hard work and dedication of every individual who contributes to the growth and prosperity of our community. Your efforts and commitment shape our future, making every achievement possible.

Here’s to celebrating the spirit of hard work and resilience.

Enjoy this well-earned break and the company of those who matter most.

📃𝒀𝒐𝒖 "𝑾𝒊𝒍𝒍" 𝑰𝒏𝒗𝒆𝒔𝒕📃

Are you prepared for the future? Join us at our exclusive "You 'Will' Invest" event, where we unravel the intricate world of will writing and estate planning to discover how to safeguard your legacy.

You will have the privilege of learning from Weijin, a seasoned lawyer from Sim Mong Teck & Partners, who will delve into the topic of 'Relook into Family Legacy Planning.' He will navigate you through the intricate world of wills, trusts, and probate. His empathetic approach ensures that your family's wishes are honored and their future is protected. But that's just the beginning!

Complementing Weijin's legal prowess is Leonard Lee, a Sales Manager at the esteemed Fidelity International. Leonard will share exciting marketing updates and insights into the latest investment products and strategies, ensuring you stay ahead of the curve in your legacy planning journey.

Sign up here👇

🗓 Date: 12 June 2024
⏰ Time: 6-9 pm
🔗 https://app.finstyle.sg/register-events/Jun-YWI

🚀Secure your spot now! Don't miss this opportunity to gain invaluable insights into preparing a comprehensive will. 🚀

Spaces are limited, so act fast! Click the link to reserve your seat, and our ambassador will reach out to you to confirm your RSVP.🌟

𝐃𝐢𝐬𝐜𝐥𝐚𝐢𝐦𝐞𝐫: 𝐜𝐨𝐧𝐟𝐢𝐫𝐦𝐚𝐭𝐢𝐨𝐧 𝐑𝐒𝐕𝐏 𝐫𝐞𝐪𝐮𝐢𝐫𝐞𝐝, 𝐞𝐥𝐬𝐞 𝐰𝐢𝐥𝐥 𝐛𝐞 𝐝𝐞𝐧𝐢𝐞𝐝 𝐞𝐧𝐭𝐫𝐲, 𝐚𝐧𝐝 𝐧𝐨 𝐰𝐚𝐥𝐤-𝐢𝐧𝐬 𝐩𝐞𝐫𝐦𝐢𝐭𝐭𝐞𝐝.

Unable to attend this seminar? No worries! We have more enlightening events lined up and would love for you to join us. Stay tuned for future updates!

The financial markets are never static, constantly evolving and shifting. That's precisely why we're committed to continuously providing training for our exclusive financial planning partners, enabling them to stay abreast of the latest market movements and financial tools. Knowledge is power, especially in our industry, and staying informed is key to navigating the complexities of the market with confidence.

Special thanks to Manulife Investment Management, Nikko Asset Management, Singlife, and Eastspring Investments for dedicating their valuable time to keep our partners updated. Your expertise and insights are invaluable to us, and we deeply appreciate your contribution to our monthly training sessions. Together, we're not just keeping pace with the market; we're striving to stay a step ahead.

For those of you who are passionate about a career in financial planning and eager to deepen your understanding of the financial markets, we invite you to connect with us. Send us a message, and let us introduce you to our exclusive financial planning partner. This is your opportunity to join a platform that is dedicated to excellence and continuous learning.

Let's navigate the dynamic financial landscape together!

Wondering why you can't fully withdraw your CPF savings at age 55? The CPF Board addresses this common question, highlighting the crucial balance between immediate access and ensuring a stable income for your later years. As we're living longer, thanks to medical and technological advancements, the need to secure a lifelong income becomes paramount. CPF LIFE ensures you don't outlive your savings, providing monthly payouts in retirement.

The CPF retirement sums, from Basic to Enhanced, are designed to cater to various retirement needs, ensuring everyone can find a suitable plan for their golden years.

Why not withdraw everything at 55? Simply put, it's about long-term security over short-term gain, ensuring you're financially stable throughout retirement, not just at its onset.

For a deeper understanding of CPF's role in your retirement planning and the benefits of CPF LIFE, check out the full insights by the CPF Board.

https://www.cpf.gov.sg/member/infohub/educational-resources/cpf-answers-why-cant-i-make-a-withdrawal-for-all-my-cpf-savings-at-age-55

Why are regular medical checkups a must?

Your health is your most valuable asset, and the best way to safeguard it is through regular medical checkups. These checkups are more than just routine appointments; they're crucial for detecting potential health issues before they become serious problems. Early detection can lead to simpler and more effective treatments, not to mention peace of mind.

Regular checkups also give you the opportunity to discuss any concerns or changes in your health with a professional, ensuring you're always on top of your wellness game. From blood pressure readings to cholesterol levels and cancer screenings, these checkups cover a range of tests tailored to your health needs and risk factors.

So, let's prioritize our health the same way we do other important aspects of our lives. Schedule your medical checkup today and take a proactive step towards a healthier, happier you. Remember, prevention is better than cure!

The outpouring of success stories and insightful journeys from the managers and producers has truly captivated the growing family of our exclusive financial planning partner.

Seeing the tangible impact these sessions have, especially on those new to the industry or recently joining the ranks, has been nothing short of inspiring. In response to the high demand and the clear benefits these sharing sessions offer, we're thrilled to elevate them to a monthly event.

This move celebrates the incredible impact of collective wisdom and underscores the profound influence shared experiences can have on our professional growth. Every story shared not only enlightens but also empowers our consultants, encouraging them to reach for the stars and dream big.

Let's extend a huge round of applause and our heartfelt thanks to all the managers and producers—Cinny Chin, Chris Chua, George Tham, Zenon Chua, Kaiser Tan, Isaac Liu and Justin Sng. Your dedication to preparing and sharing your knowledge and experiences in such a comprehensive and engaging manner is truly admirable.

Your contributions are not just informative; they are transformative, shaping the future of the consultants and inspiring them to pursue greatness in their careers. We look forward to more of these enlightening sessions and the continued sharing of wisdom that strengthens and enlivens our community.

Stay tuned for the dates of our upcoming sessions and prepare to be inspired once again!