Tan Kin Lian's Blog

I asked a senior manager of a life insurance company in China about the commission rate payable to the agent for selling an endowment or who...

There is a report that the average Singaporean has inadequate coverage. The reason? They were buying an expensive product. If they buy a who...

I like to suggest an interesting plan for a parent to take for each child. It covers the parent's life and provides the following parent...

GIFT is the name given by NTUC Income for a special product that provides a "guaranteed income for a fixed term". You invest a lum...

1. I am presently 53 years old and plan to retire at 62. Upon retired, if l need money, should l surrender life policies or should I loan fr...

Most people buy a life or accident policy to provide a lump sum, say $100,000 or $200,000. I think that an income benefit is better, say $2,...

If you invest in a large, well diversified, low cost equity fund, you are able to earn an average return of 6% to 8% per annum, over 10 year...

Two seniors read my script for a 2 hour talk on financial planning, targeted at seniors. They told me that the points are very useful. My sc...

Taxis are plentiful in Shanghai. It is quite easy to flag down a taxi. The flag down rate is RMB 11 (about SGD 2.20). There are no surcharg...

Dear Mr Tan, Thanks for your prior comments on future career prospects of financial advisor. I'm a 35yr old mid career engineer earning ...

Dear Mr Tan, What will be your role in Center for Seniors? What do you think will be social entreprises with viable business models that can...

I visited Huangshan with my wife. We did not have any tour guide. I booked a room in Beihai Hotel. I took a taxi from Huangshan City to Beih...

I took the commuter train system in Shanghai. There are five lines, numbered as line 1 to line 5. I took a taxi from my hotel to the nearby ...

I use a PDA (mobile device) to store my contact, calendar, notes and other important information. The internal battery of my PDA died. I los...

1. What can be done to attract and retain IT (information technology) talent in Singapore? Reply: We need to create opportunities for big IT...

1. Actuarial science and financial engineering appear to be related disciplines. Will taking actuarial science give me an edge, if I were to...

Dear Mr Tan, I have US$ fixed deposit of 50K on a one year term. I kept this FD for a few years ie from the exchange rate of 1.7 till now t...

Dear Mr Tan, I have 3 policies with NTUC Income and 4 policies with Prudential, taken over the past 10 years. I am now 47 years old and no l...

Dear Mr Tan, When you were a teen still in school or university how did you decide this is something that you wanted to do? Ever regretted o...

Dear Mr Tan, Presently, most unit trust and share prices are very high and to invest at this moment may not be worth the while and maybe by ...