This is the first and most important Pillar of Wealth. Without adequate protection, you will be vulnerable to the nasty effects of one or more chance misfortunes, which will cause you to suffer unnecessary and tremendous financial losses. Our planning helps to reduce the negative impact of unplanned misfortunes and ensure that your lifestyle remains unaffected as much as possible thereafter.view more >>

The second Pillar of Wealth analyses your general financial health, such as cash flow and debt position. A net positive cash flow with no overcommitted liabilities is considered healthy. We will advise you how to effectively manage your cash flow and suggest ways to reduce, or avoid, unnecessary borrowing.view more >>

The third Pillar of Wealth drives you towards meeting your long term financial objectives through accumulation. In Singapore, the two most common needs are Retirement Funding and Children Education Funding. We will help you develop a realistic and achievable program to meet these needs.view more >>

The fourth Pillar of Wealth maximises the growth potential of your assets. We help you develop an investment program that is appropriate to your unique situation, yet will grow at a rate you desire. With the help of our proprietary tools, you stand a better chance of enhancing your investment return, thereby fulfilling your long term financial dreams.view more >>

This fifth and final Pillar of Wealth looks at preserving and distributing your estate. The only certainty in life is that it will not last forever. We will help you develop an effective and efficient estate plan so that your legacy will be well preserved and distributed according to your wishes.view more >>

  • Wealth Protection
  • Wealth Maintenance
  • Wealth Accumulation
  • Wealth Enhancement
  • Wealth Distribution

Investment Planning Singapore


Why Rebalancing Your Portfolio Should Be A Part Of Your Long-Term Investment Planning Singapore

To have a balanced portfolio means to allocate different classes of assets across a range of investments. Having a balanced portfolio is crucial because it allows investors to maximise the value of their investments and minimise unnecessary risks. The percentage of assets that investors allocate to each type of investment is based upon the amount of risk they could afford.

Rebalancing And Investment Planning Singapore

Over time, investors will need to rebalance their portfolio for a number of reasons. But before we discuss these reasons, let us define first what rebalancing your portfolio means. 
Rebalancing is defined as the process of realigning the allocations of the asset classes of a portfolio. To do this, investors will have to sell investments that appreciated substantially and buy investments that have underperformed. 

Investment Planning Singapore: Common Reasons For Rebalancing

One of the most common reasons why rebalancing is necessary is that there comes a time when asset allocations become too far out of balance. This happens when one portion of the portfolio grows rapidly in value, while the value of other investments declines. 
What if the overall value of the portfolio has increased, do investors still need to do rebalancing? Yes, it is necessary because its volatility and risk may also have increased due to one type of investment overtaking the others.
Another reason why rebalancing should be done is that an investor's objective can change or their personal circumstances have either improved or diminished. Family situations and personal income are amongst the principal factors that can directly affect the amount of risk one is willing to take. So when an investor gets a salary raise or a promotion and the family member he is sending to school has graduated, he may have extra money for another asset allocation. 
Although there is no official timetable for rebalancing, it should be done at least once a year as part of your yearly financial assessment. Rebalancing at longer intervals could result in a portfolio that is overbalanced in one direction. On the other hand, frequent rebalancing could incur more expenses since selling and buying Exchange Traded Funds involve trading fees.