What is your Dream Retirement ?
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Have you heard of the 3 Cash Furnaces?
Living in Singapore has always been about 3 Big Cash Furnaces. We love to spend money on what matters to us and what we love. As a well-educated crowd, we are hard-working and we deserve to enjoy the fruits of our labour.
In fact, as Singaporeans, we tend to spend on PETs. Well, I am sure you know by now PET is an acronym that we will be exploring but I am sure that animal lovers in Singapore spend a decent amount of money on rearing our pets as well.
Property or Parents
Education
Transportation or Traveling
There are 3 major components that we are inclined to spend money on.
Parents or Properties
In our Asian community, we honour our elders who taught us that on this sunny island, the pioneer generation that came before us gave us the security and prosperity that our country enjoys today. As much as possible, we yearn to provide the BEST experiences and/or the BEST material goods for their enjoyment.
In our Asian economy, nothing beats being able to pay off the mortgage loan fast, to obtain a piece of home that truly belongs to us. We may spend 25 years to pay off our loan, only to realize all our cash is now stuck in a physical asset.
Every Singaporean goes through about 16 yrs of..
Education
Anyone who tells you that Singapore residents don’t spend money on education is lying! In total, HSBC bank found in a 2018 survey that parents in Singapore spend a total of about US$70,939 (about S$97,000) on each child’s education , and that’s only on local education and excluding tuition.
The stress induced expectations are not limited to just the kids. Adults also consistently seek to pursue personal development. An average of 3000+ adults pursue post graduate studies on an annual basis. The average Masters cost around $40,000.
Education, it seems, is a costly affair.
Transportation or Traveling
We are Singaporeans! We can drive from Pasir Ris to Jurong just so that we can enjoy a hot bowl of Penang Laksa. We whip out our phone and promptly grab a taxi even if there could be a surge going on, especially if we simply can’t wait.
We may all know of a friend who spends about $2000 a month on grab.
To some of us, traveling is just like taking a long-distance taxi from Changi Airport. After all, the average Singaporean does spend US$1462 annually on trips. Some do less, some do more. But Singaporean residents definitely travel more than the average Asia Pacific traveler. They also travel more than four times for leisure.
That makes an average of $8000 a year, per person on traveling for leisure!
The golden question is, “After factoring in the 3 Big Cash Furnaces, how much do we have left for retirement?”
“Wait, I have CPF hor”
It is clear enough that CPF Life may not be enough for retirement.
Just ask yourself these questions:
How much do I know about the Minimum Sum Scheme (MSS)?
How much do I really need for retirement? Is there a number that I should be looking at?
What are the various options that are available for CPF Life? And what do they mean for my loved ones?
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Retirement planning is simple.
At least, it’s supposed to be.
3 key things to look out for
1. The Financial Consultant
A wise man used to tell me that the message has to be carried by a person, and embodied by his beliefs. Nothing speaks of excellence and competency than a professional accreditation, such as the CFP or the ChFC/S. The consultant has to spend time, money and effort to invest into doing the job well. The integrity of the consultant is to be of utmost importance and ought to have been vetted by numerous individuals.
2. The Quality of Advice
While it doesn't always mean that someone with all the necessary accreditation will be able to properly advice you, it will most likely be so if the consultant decides to hear you out and ask the right questions. It is important that the consultant doesn't attempt to push a product to you without first seeking to understand your situation.
Lastly, Product Proposition
3. Product Proposition
We believe that once the consultant has properly understood your situation, recommending the right product to suit your needs and budget should be the next most obvious choice of action. With a suitable product to complement CPF life, your retirement needs should be met in due time.
This is how we VALUE ADD to you
Here it is:
Retirement for Singaporeans 101
Everything I've been talking about so far can be illustrated in simple examples shown in this e-book.
When you decide to get started on a journey with us, you will be assured of quality advice in your best interest.
- 1In this book: We explore the various mistakes that people make when planning for their own retirement.
- 2We will walk you through a process that helps you to understand what options you have.
- 3Benefits for you! Help us better assess your situation through a 5 min phone call or an online Zoom Session.
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What People Are Saying About Our Solutions
“Takes into consideration....”
"Proper retirement planning solutions that takes into consideration who you are, what life stage you are in, and what kind of risks you are comfortable with."
Verdy Yong
- Semi Retired IT Expert
“... both financial security, and enjoy my lifestyle."
“Even though I believed in the concept of insurance, there always seem to be other monetary priorities. I'm glad that with the right advice and strategy, I can have both financial security, and enjoy my lifestyle."
Danielle Lee
Education Events Coordinator
“.. able to recommend the best .."
The Botak Sage is very knowledgeable about the product offerings. He is a "one stop financial centre" who is able to recommend the best coverage for insurance, stretching every dollar to the maximum. Who will be there to answer all your queries during an emergency? Its only the botak sage.
Soon Fong
Teacher
Get Part 1 of Retirement for Singaporeans 101 today!
You will receive part 1 of the e-book! Free! Read it at your own pace. I guarantee you it is a easy read with entertaining stories.
As part of this deal, you are agreeing to a short 5 mins phone call or online zoom session to help us assess how we may walk you through a process, that helps you to understand what options you have.
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A Few More Testimonials From Happy Clients
“Risk management is crucial to me as a business owner."
Risk management is crucial to me as a business owner. I trust them to handle both my personal and business risk exposure, with proper planning.
Derek Ong
Co-founder of Tipsy Collective
“The trust that you have in someone who you are dealing with...."
"Its not always about the product but the trust that you have in someone who you are dealing with. That has been my policy and that is exactly what I received when dealing with The Botak Sage. Committed, Dedicated and most importantly, listens to your issues and provides you with customized solutions. Thanks Mate!"
Daryl Siew
Business Development
The Botak Sage
CFP, ChFC/S
About the Author
With 12 years of experience in the financial planning industry and close to S$3 million of claims resolved, the botak sage believes that doing business properly will get you further in life. He has both the Certified Financial Planner and the Chartered Financial Consultant accreditation.
He believes in continuously improving himself. The former NUS drop out has successfully enrolled into Harvard in 2018 and is now actively pursuing his bachelor degree.
Tough times don't last, tough men do.
Let's recap what you will get
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We will close this campaign once we get too busy with all the meetings.
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