dividendhavensg Singapore’s progressive tax system means that as your income increases, your tax rate rises. However, by strategically leveraging various tax reliefs and deductions, you can significantly reduce your taxable income and overall tax liability. This guide will cover: 1. Understanding Singapore’s Tax System Personal Income Tax Rates (Year of Assessment 2025) Singapore employs a progressive tax … Read more
Company Overview Sun Hung Kai Properties Limited (SHKP) is a leading property developer based in Hong Kong, recognized for its significant presence in both residential and commercial sectors. The company manages a vast portfolio of investment properties, including shopping malls, offices, hotels, and logistics facilities, and has a substantial land bank, predominantly in Hong Kong … Read more
Introduction: After a four-year slump, AIA Group Ltd. (HKSE: 1299) is showing signs of a comeback. The Hong Kong–based life insurance giant – the largest in Asia-Pacific – saw its stock languish from 2019 through 2023, weighed down by pandemic disruptions and economic uncertainties. Now, early indicators point to a rebound in both share priceand business performance, making it a … Read more
Recently, a friend asked me, “Why did you choose Endowus when there are cheaper platforms available?” It’s a fair question. As someone who values low-cost investing, I was initially hesitant about paying higher fees. But after using the platform for a while, I realized that it fits my needs as a busy professional and parent—helping me invest without … Read more
Stock fair value is the estimation of a stock’s intrinsic worth based on fundamental factors, guiding investors in determining if a stock is overvalued, undervalued, or fairly priced. Understanding fair value aids in making rational investment decisions, while the Dynamic Stock Valuation Calculator offers tools to simplify the calculation process for various valuation methods.
Recently, a friend asked me which broker would be best for trading in Singapore. I decided to investigate and compare the most popular brokers based on fees, safety, and market access. 1. Fees Comparison Across Key Markets The following table outlines the trading fees across major brokers for the Singapore, US, and Hong Kong markets. … Read more
Recently, I had conversations with two friends on separate occasions, and they both shared their thoughts on saving for the future. One of them mentioned that he’s been diligently saving every month, yet he doesn’t have a specific end goal and often wonders if he’s saved “enough.” Meanwhile, my other friend expressed uncertainty about how … Read more
When I first started my financial journey, building an emergency fund was one of the first goals I set for myself. It’s a foundational step, a safety net for life’s unexpected twists and turns. Whether it’s a sudden medical expense, car repair, or even a job loss, an emergency fund ensures that you’re prepared for … Read more
Recently, I had a conversation with a friend who shared that he avoids investing altogether, feeling overwhelmed by the complexities of the financial world. He sees investing as something out of reach—something that requires time, specialized knowledge, and constant monitoring. This got me thinking about how to simplify things for anyone looking to invest sustainably … Read more
When it comes to choosing life insurance, two common options are term insurance and whole life insurance. Both serve the primary purpose of providing a death benefit to protect your loved ones, but they differ significantly in terms of structure, cost, and additional benefits. In this post, we’ll explore the differences using data for a base scenario: a … Read more