PSI Academy

28/11/2025

MOH has just announced a major change:⁣⁣⁣
𝐅𝐫𝐨𝐦 𝟐𝟎𝟐𝟔, 𝐟𝐮𝐥𝐥-𝐝𝐞𝐝𝐮𝐜𝐭𝐢𝐛𝐥𝐞 𝐈𝐏 𝐫𝐢𝐝𝐞𝐫𝐬 𝐰𝐢𝐥𝐥 𝐛𝐞 𝐫𝐞𝐦𝐨𝐯𝐞𝐝.⁣⁣⁣
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This means premiums may drop…⁣⁣⁣
But 𝐲𝐨𝐮𝐫 𝐡𝐨𝐬𝐩𝐢𝐭𝐚𝐥 𝐛𝐢𝐥𝐥 𝐨𝐮𝐭-𝐨𝐟-𝐩𝐨𝐜𝐤𝐞𝐭 𝐜𝐨𝐬𝐭𝐬 𝐰𝐢𝐥𝐥 𝐢𝐧𝐜𝐫𝐞𝐚𝐬𝐞.⁣⁣⁣
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This could directly affect your retirement income and even your CPF LIFE payouts.⁣⁣⁣
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Here's my simple breakdown:⁣⁣⁣
- Why bills may rise even if premiums fall⁣⁣⁣
- How this affects your retirement cash flow⁣⁣⁣
- What retirees must do before 2026⁣⁣⁣
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Disclaimer:
This advertisement/page is not affiliated with CPF or endorsed by any Singapore government agency.
The information provided on this website is intended solely for residents of Singapore and is for general informational purposes only. It does not constitute financial advice, a recommendation, or an offer to buy or sell any financial product. Visitors should consult a licensed financial adviser before making any financial decisions. All insurance and investment products are subject to the terms and conditions of the respective product providers. Suitability of the products or services mentioned on this website depends on specific circumstances of an individual and can only be determined in consultation with a licensed financial adviser.
This advertisement has not been reviewed by the Monetary Authority of Singapore.

The 2026 healthcare shift is coming: here’s how to safeguard your retirement against rising bills.

17/11/2025

If you’re earning above $100k a year, the Supplementary Retirement Scheme (SRS) can be one of the simplest ways to reduce taxes while growing your wealth…⁣⁣
Yet, even high-income earners fall into the same traps.⁣⁣
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In my latest video, I break down the 3 biggest mistakes I see again and again:⁣⁣
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❌ Mistake #1 – Treating SRS like a savings account⁣⁣
❌ Mistake #2 – Only contributing once in December⁣⁣
❌ Mistake #3 – No withdrawal plan⁣⁣
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Whether you’re a senior manager, business owner, director or professional earning six-figures, your SRS can work a lot harder for you — if you structure it right.⁣⁣
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If you want a personalised SRS analysis — contribution strategy + investment plan + exit plan — book a session with me.⁣⁣
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Disclaimer:
This advertisement/page is not affiliated with CPF or endorsed by any Singapore government agency.
The information provided on this website is intended solely for residents of Singapore and is for general informational purposes only. It does not constitute financial advice, a recommendation, or an offer to buy or sell any financial product. Visitors should consult a licensed financial adviser before making any financial decisions. All insurance and investment products are subject to the terms and conditions of the respective product providers. Suitability of the products or services mentioned on this website depends on specific circumstances of an individual and can only be determined in consultation with a licensed financial adviser.
This advertisement has not been reviewed by the Monetary Authority of Singapore.

17/10/2025

There’s been a lot of noise about Investment-Linked Policies (ILPs) lately. Some say they’re risky. Others claim they’re expensive. But the truth is — most people simply don’t understand how ILPs really work… and what role they can play in your retirement plan.⁣⁣⁣
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I had broken down the common misconceptions, reveal how ILPs have evolved, and share practical insights on when (and when not) to use them — especially if you’re planning for retirement or already reviewing your CPF LIFE options.⁣⁣⁣
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Disclaimer:
This advertisement/page is not affiliated with CPF or endorsed by any Singapore government agency.
The information provided on this website is intended solely for residents of Singapore and is for general informational purposes only. It does not constitute financial advice, a recommendation, or an offer to buy or sell any financial product. Visitors should consult a licensed financial adviser before making any financial decisions. All insurance and investment products are subject to the terms and conditions of the respective product providers. Suitability of the products or services mentioned on this website depends on specific circumstances of an individual and can only be determined in consultation with a licensed financial adviser.
This advertisement has not been reviewed by the Monetary Authority of Singapore.

Beyond the myths and misconceptions, these are the truths about ILPs that every Singaporean should know.

15/10/2025

Markets feel unpredictable right now — and with the recent Trump announcement and new tariffs, volatility is back in the spotlight. But for long-term investors, this isn’t a reason to panic. It’s a reminder to stay focused on fundamentals, not headlines.⁣
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If you’re unsure how to position your portfolio in times like this, let’s review your plan together.⁣
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⁣Disclaimer:
This advertisement/page is not affiliated with CPF or endorsed by any Singapore government agency.
The information provided on this website is intended solely for residents of Singapore and is for general informational purposes only. It does not constitute financial advice, a recommendation, or an offer to buy or sell any financial product. Visitors should consult a licensed financial adviser before making any financial decisions. All insurance and investment products are subject to the terms and conditions of the respective product providers. Suitability of the products or services mentioned on this website depends on specific circumstances of an individual and can only be determined in consultation with a licensed financial adviser.
This advertisement has not been reviewed by the Monetary Authority of Singapore.

08/09/2025

🌱 𝐀𝐫𝐞 𝐘𝐨𝐮𝐫 𝐑𝐞𝐭𝐢𝐫𝐞𝐦𝐞𝐧𝐭 𝐅𝐮𝐧𝐝𝐬 𝐓𝐫𝐮𝐥𝐲 𝐒𝐮𝐬𝐭𝐚𝐢𝐧𝐚𝐛𝐥𝐞? 🌱⁣⁣⁣
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When it comes to retirement planning, many Singaporeans rely heavily on CPF LIFE, T-Bills, SSBs, or fixed deposits. While these options are considered safe, their yields are often too low to keep up with rising living costs.⁣⁣⁣
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That’s why I put together this guide to help you filter out the noise and focus only on funds that can provide reliable, sustainable income for your golden years.⁣⁣⁣
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👉 Curious which funds currently meet these criteria?⁣⁣⁣
Let’s have a chat — I’ll share them with you personally.⁣⁣⁣
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⁣⁣⁣Disclaimer:
This advertisement/page is not affiliated with CPF or endorsed by any Singapore government agency.
The information provided on this website is intended solely for residents of Singapore and is for general informational purposes only. It does not constitute financial advice, a recommendation, or an offer to buy or sell any financial product. Visitors should consult a licensed financial adviser before making any financial decisions. All insurance and investment products are subject to the terms and conditions of the respective product providers. Suitability of the products or services mentioned on this website depends on specific circumstances of an individual and can only be determined in consultation with a licensed financial adviser.
This advertisement has not been reviewed by the Monetary Authority of Singapore.

By focusing on the right criteria, retirees can aim for a more reliable, inflation-beating, and sustainable income stream.

22/01/2025

✨Big changes are coming to CPF in 2025! ⁣⁣
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From higher contribution rates to the closure of the Special Account, these updates could impact your retirement plans in ways you might not expect.⁣⁣
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💡Curious about what’s changing and how it could affect you?⁣⁣
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Watch this reel to find out the 5 key updates—and for more details, check out my full article here: https://www.designthylife.com/5-changes-to-cpf-in-2025/⁣⁣
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#2025

21/01/2025

As you may be aware, the special accounts of CPF members aged 55 and above have been closed on 19 January 2025. Besides that, there are several other changes to CPF in 2025.⁣⁣⁣⁣
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Do you understand how these changes will affect your savings, cash flow, and overall retirement strategy?⁣⁣⁣⁣
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Book a personalized CPF review session with me today. Let’s explore how these changes fit into your retirement plan and identify strategies to make the most of them.⁣⁣⁣⁣
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#2025

Let’s dive into the 5 major changes to CPF and explore their implications

31/07/2024

Have you done your will?⁣⁣⁣
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As we plan for our retirement, it's crucial to consider all aspects of our future, including estate planning. While retirement planning often focuses on savings, investments, and ensuring a comfortable lifestyle, having a will is an equally important step to secure your legacy and protect your loved ones.⁣⁣

Having a will is essential for everyone, regardless of the size of their estate.

17/05/2024

As we navigate the exciting journey towards retirement, it’s crucial to be aware of the potential risks that could impact our financial security. ⁣⁣⁣
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As a retirement specialist, my goal is to help my clients navigate these challenges and secure a comfortable and prosperous retirement. If you have any questions or would like to discuss how we can tailor these strategies to your unique situation, I encourage you to book an appointment with me.⁣⁣⁣
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Together, we can create a comprehensive financial plan that addresses your needs and provides peace of mind for the future.⁣⁣

Retirees face a myriad of risks that can threaten their financial well-being and peace of mind.

15/04/2024

Investing should not feel like rolling dice.⁣⁣⁣⁣
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In the world of investing, uncertainty can often overshadow clarity, making each decision feel as precarious as a roll of the dice. But what if you could transform that uncertainty into confidence?⁣⁣⁣⁣
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Our investment strategy is built on four fundamental pillars designed to shift the odds in your favor, ensuring that your financial future is not left to chance.⁣⁣⁣⁣
- Clear Rule-Based Investment Strategy and Roadmap⁣⁣⁣⁣
- Seize Market Opportunities Without Delay⁣⁣⁣⁣
- Eradicate Emotion-Based Investment Decisions⁣⁣⁣⁣
- Have Peace of Mind in a Volatile Market⁣⁣⁣⁣
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Don't Leave Your Financial Future to Chance. ⁣⁣⁣⁣
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If you are keen to find out more about the ABCDE portfolio strategy, book an appointment with me and take the first step towards a more secure, prosperous future. With our strategic approach to investing, we're ready to turn uncertainty into opportunity, guiding you towards financial success.⁣⁣⁣⁣
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The ABCD framework provides a comprehensive approach to investment.

01/03/2024

The recent Singapore Budget 2024 has introduced pivotal changes, notably the closure of CPF Special Accounts for those aged 55 and older, which could significantly impact our retirement strategy.⁣⁣⁣
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The adjustments to the CPF system are designed to streamline retirement savings, potentially altering the landscape of our financial future. These changes emphasize the importance of being proactive in managing our retirement funds to ensure they align with our long-term goals and aspirations.⁣⁣⁣
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𝐘𝐨𝐮𝐫 𝐍𝐞𝐱𝐭 𝐒𝐭𝐞𝐩𝐬⁣⁣⁣
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𝐒𝐭𝐚𝐲 𝐈𝐧𝐟𝐨𝐫𝐦𝐞𝐝: Knowledge is power. Familiarize yourself with the specifics of the Singapore Budget 2024 and its implications for CPF members. This understanding is crucial for adapting your retirement planning to fit the new CPF landscape.⁣⁣⁣
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𝐑𝐞𝐚𝐬𝐬𝐞𝐬𝐬 𝐘𝐨𝐮𝐫 𝐑𝐞𝐭𝐢𝐫𝐞𝐦𝐞𝐧𝐭 𝐏𝐥𝐚𝐧: The time to act is now. Review your current retirement strategy in light of these changes. Consider how the closure of CPF Special Accounts and the redistribution of funds may affect your financial goals.⁣⁣⁣
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As your trusted financial advisor, I am here to guide you through these changes. Together, we can reassess your retirement plan, ensuring it remains robust, responsive, and aligned with your financial objectives.⁣⁣⁣
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Singapore Budget 2024 introduces a slew of measures aimed at fortifying the retirement security of Singaporeans.

07/02/2024

As we step into the auspicious Year of the Dragon, a symbol of strength, wisdom, and prosperity in Chinese culture, it's the perfect time to reflect on our financial journey and set ambitious goals for the future. The dragon's powerful presence reminds us of the potential that lies within each of us to achieve great financial success and stability.⁣⁣⁣
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In the Year of the Dragon, let us embark on a journey of self-discovery.