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The current reality of ILPs, and why you shouldn’t be naive

[This post is written in response to the article Young Millenial POV: Why I Bought (And Cancelled) Two ILPs] For an article that’s written in 2022, the writer is out of touch with the reality of ILPs (investment-linked policy). There are generally 2 types of ILPs: Traditional ILP 101 ILP Traditional ILP is the planContinue reading “The current reality of ILPs, and why you shouldn’t be naive”

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“Love doesn’t put food on the table.”

Turning 35 this year, I’m appreciating that advice much more. The advice that’s often given to those who intend to get married. Love doesn’t put food on the table. Prayers and supplications do not put food on the table. “Reliance” on God to provide doesn’t put food on the table. Effort does. Being a financialContinue reading ““Love doesn’t put food on the table.””

Staying invested with a flexible fixed income approach..

Staying invested with a flexible fixed income approach as inflation bites, an article on JP Morgan’s Income Strategy in navigating the current market environment. While it is a sponsored content, it is a good read. A flexible fixed income approach, to me, would also include a multi-asset fund(s) or portfolio. The key is to stayContinue reading “Staying invested with a flexible fixed income approach..”

Why should you have a concentrated portfolio versus a diversified one?

The following is my answer to a Quora question: “Why should you have a concentrated portfolio versus a diversified one?” A concentrated portfolio consists of a few specific equities and derivatives for the sole purpose of surpassing the benchmark. It maximises potential gain at the expense of very high risk. It works when you makeContinue reading “Why should you have a concentrated portfolio versus a diversified one?”

Should new investors have bonds in their portfolio?

The following is my answer to a Quora question: “Should new investors, in their 20s, have bonds in their portfolio?” It is a good practice to have bonds in your portfolio. Debt instruments lower the overall risk of your portfolio, and stabilise it in the event that equities drop. Equities have the potential to earnContinue reading “Should new investors have bonds in their portfolio?”

Your Guide to ILPs and a peak into “New ILPs”

The Simple Sum recently posted an article, “Your Guide to ILPs: What You’re Paying for When You Buy Investment-Linked Insurance Policies”. It is a good read, especially for policyholders who may not be aware of the investment allocation or how the policy actually works. It should be noted though that the article is based onContinue reading “Your Guide to ILPs and a peak into “New ILPs””

Will Agribusiness Bonds do well amidst pandemic?

Climate change will cause a profound impact on our food security. Agricultural areas are at risk from the effects of temperature changes. Changes in ocean currents and temperatures will affect fishing and fisheries. Desertification is a risk for many areas. This means the price of putting food on the table will rise, even as qualityContinue reading “Will Agribusiness Bonds do well amidst pandemic?”

“Where does life insurance go if there is no beneficiary?”

The following is my answer to a Quora question: “Where does life insurance go if there is no beneficiary?” Should there be no nominated beneficiary for a life policy, the policy pays out to the estate of the deceased, and distributed according to the will. It comes under the administration of the executor of theContinue reading ““Where does life insurance go if there is no beneficiary?””

“Which one is better: a monthly contribution to income protection, or investing the same money every month?”

The following is my answer to a Quora question: “Which one is better: a monthly contribution to income protection, or investing the same money every month?” That depends entirely on your intent, and your need. In the beginning, you need some sort of liability protection, and coverage for loss of income. Pure investment does notContinue reading ““Which one is better: a monthly contribution to income protection, or investing the same money every month?””

“What is better: a stock or a mutual fund?”

The following is my answer to a Quora question: “What is better: a stock or mutual fund?” When you buy stock, each stock is the purchase of shares in individual companies. The advantage is that gains are more easily realised. In effect, a gain in share price may give you a potential profit may timesContinue reading ““What is better: a stock or a mutual fund?””