Investing, insurance, retirement and legacy planning in Singapore
Bring the money question you have been meaning to ask.
Starting to invest, looking after your family, planning the years after work, or thinking about what you will pass on. However basic it feels, we look at your options together in plain language, and you make the call.
You will be speaking with Isaac Fang, CFARepresentative of Phillip Securities
- CFA charterholder, CFP, ChFC
- In financial services since 2001
- Representative of Phillip Securities Pte Ltd
- MAS Rep No. FCN200135730
Where are you right now?
Most people come with one of these on their mind. Start with the one that sounds like you.
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No question is too small to ask
A lot of good planning starts at the kitchen table, with a question that has been sitting there for a while. A few that people often bring:
- Where do I even start with investing?
- If something happened to me, would my family be alright?
- I have policies from an agent who left. Who looks after them now?
- How should I plan for the years after I stop working?
- How do I make sure my children are looked after, on my terms?
Tap any of them and it opens WhatsApp with that question ready to send. Or ask your own; a one-line message is a perfectly good start.
You make the call, with the reasoning on paper
Big decisions get easier when you can see the trade-offs. With a method called FDM, Facilitating Decision Making, you say what matters to you and how much. We score each option against it, so the choice stays yours and you can see how it was reached.
Illustration: comparing two plans
| What matters to you | Weight | Plan A | Plan B |
|---|---|---|---|
| Access to cash | 8 | 4 | |
| Total cost | 6 | 7 | |
| Flexibility | 7 | 5 | |
| Coverage | 5 | 9 | |
| Weighted score | 100% | 6.75 | 5.85 |
Who you will speak to
Your message comes to me, Isaac Fang. I have worked in financial services since 2001, starting in life insurance and moving into securities, unit trusts and portfolio management.
I also teach: modules of the CFP programme, SkillsFuture courses at community centres and SGX Academy sessions. Explaining things clearly is a big part of the job, so ask as many questions as you like.
I write, too: for PhillipCapital's POEMS Market Journal, most recently The ILP debate, and short reads on this site.
More about Isaac Read the Insights Official profile on PhillipCapital
Start with a conversation
Tell me in a line or two what is on your mind. There is no need to have it all worked out first; your WhatsApp message comes straight to me.
Speak to IsaacPrefer to schedule? Book a 30-minute introductory call on Zoom or send an email.