Our Insights
Where experience meets perspective.
It should be no surprise that taxation in Australia is high. Covering 7.7 million km 2 , Australia is the world’s largest island, twice the size of India with less than 2% of its population. Six states, two territories (each with their own governments), extreme weather and a first class public health. Australia sustains its […]
How can expats in Singapore kickstart the year right with careful financial planning? Expatriates in Singapore should organise finances for 2025 by budgeting, building anemergency fund, opening an SRS account, investing wisely, and understanding taxregulations. It’s the start of a new year, and something that’s always on our to-do list is finances.Many want to start […]
In conversations with both expatriates and locals in Singapore, several misconceptions about the financial landscape for foreigners often arise. As a major financial hub known for its stringent regulatory environment, Singapore offers many opportunities for expatriates. However, these myths can lead individuals astray. This article aims to clarify some prevalent misconceptions about financial matters that […]
Achieving financial success doesn’t happen overnight. It requires intentional planning, aclear vision, and a strategy that will guide you toward your goals. Here are five steps to help you plan effectively for your 2025 financial goals. 1. Know Your Purpose Before you can achieve your financial goals, you need to define what they are. Simplysaying […]
While the rules for personal finance are largely universal, living as an expat in Singapore offers unique opportunities to optimise your financial situation. If you’re planning to return home someday, it’s important to ensure that your time in Singapore leaves you with more than just hazy memories and some teak furniture! Rule #1. Save at […]
Every time you receive a letter or notification from your bank about a revised interest rate, you might find yourself wondering whether you should reduce your loan amount or pay it off completely. After all, many investors aim to retire and live off rental income from their properties. Tax-Deductible Debt When you take out a […]
It’s surprising that most people spend more time planning their annual vacation than what may be the longest holiday of their lives—their retirement. Upon reflection, this tendency shouldn’t come as a surprise. Two key factors contribute to it. First, consider timing. Our next vacation feels imminent, especially compared to retirement, making it much more tangible. […]
“You know that retirement is coming. It isn’t as though it just shows up one day and takes you by surprise, so you need to get ready for it.” — Batya Shevich For many in their early 30s, retirement can feel far off, but starting pension planning early is one of the smartest financial moves […]
Lately, I’ve been hearing the same question from many clients: “Should I invest now?” My answer remains clear and consistent: You need to invest. Investing in the stock market remains one of the most reliable ways to build long-term wealth. For example, had you invested USD 10,000 in the S&P 500 index 50 years ago, […]
Here are my top 10 most valuable tips that I share with my clients; high-net-worth individuals with wealth ranging from $5 million to $50 million. 1. Preserve First, Grow Second Prioritize wealth preservation before pursuing aggressive growth. Focus on diversification, risk management, and capital protection. 2. Tax Efficiency is Key Taxes can significantly erode wealth. […]
If you’re considering relocating from Singapore to Australia, perhaps due to the rising cost of living or changes in expat benefits, it is important to understand the tax implications involved in such a move. This is especially true if you have children attending international schools, which can reduce the tax advantages of living in Singapore. […]
Warren Buffett once said, “Our favourite holding period is forever.” In today’s fast-moving financial world, that sentiment feels more relevant than ever. Volatility, often misunderstood, remains a central feature of global markets. But rather than being something to fear, volatility can offer opportunities when approached with clarity, patience and a long-term view. Understanding Volatility in […]