Tan Kin Lian's Blog

There is a report in the Straits Times on Saturday. It mentioned that some of the China stocks are traded in Hongkong and in Shanghai. The p...

Dear Mr Tan, There are so many investment funds in the market. How do I make the right choice? Should I chooce the China and Indian funds th...

Many insurance products are too complicated. The agent does not spend time to explain the product to the policyholder. They are trained to s...

Dear Mr Tan, You advocate the strategy of buy term and invest the rest in your blog. While I personally practise this as well, I wish to add...

The Straits Times published my article in their Review section on 21 September 2007. I explained the increasing life expectancy and the high...

A life annuity can provide a better lifetime income, compared to a fixed term annuity. A male at age 65 can invest $150,000 in the following...

Someone frequently posted comments in my blog arguing that an independent financial adviser have a better range of products to offer to the ...

Dear Mr Tan, I wish to seek your advise on whether I should take up a Limited Living Policy to which I need not pay any premiums after 20 y...

I gave this suggestion to attendees at my educational talk. 1. Write a will. It will help your family to sort out your financial affairs whe...

I give this advice to attendees at my educational talk. If a parent has more than sufficient assets for his or her future needs, the parent ...

Dear Mr Tan I will be reaching 55 years old this November. I was encouraged to buy into NTUC Income's annuity by a friend early this yea...

Hi Mr Tan, My husband is covered under the Government's Medishield plan. He is also covered under my company's hospitalisation plan ...

COMMENT POSTED IN MY BLOG The situation is between the gap in Shield Plan for the Deductible and Co-insurance that is difficult to balance. ...

Take this example of a policyholder who has two medical insurance policies: 1. A Shield policy that pays 90% of the hospital bill in excess ...

Insurance works on the principle of pooling of risks. Take an example. There are 100,000 houses in a community. Each year, an average of 100...

You should buy insurance against a big loss with a small chance of occurence. Look at these two cases: Case 1: Potential loss is $100,000. ...

Based on the mortality rates in 2005, the life expectancy at 65 is 17.7 years for males and 20.7 years for females. Over the past 25 years,...

In America, you can invest in "no-load" funds. They do not have any upfront charge. 100% of your money is invested. In Singapore, ...

Which will yield a better return over the next 20 years? * STI ETF * Genting International Shares * Freehold private property REPLY: I prefe...

Dear Mr Tan, I am in my early 50s and have $300,000 in my CPF ordinary account. What is your advice for my retirement planning? REPLY I sugg...