Watch my views on CareShieldLife featured in 十分访谈 https://goo.gl/AVxC2t.
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You can also watch my views featured on Channel 8 News 27 May 2018. https://goo.gl/WUfUXX
受访分析师认为，虽然终身护保的保费，比乐龄健保的保费来得高，但赔付额已大幅调高，基本赔付额提高至少50%，这能为陷入严重残疾的国人，提供基本保障。 终身护保推出后，30岁国人若在投保后的一年内身患严重残疾，他终身可获每月600元赔付额，这比乐龄健保的300或400元赔偿，多了至少50%。分析师表示，这笔赔偿可能对一些人来说不足够，但能帮助减轻负担。 星融理财顾问行政总裁谢诏全说：“一个人如果不幸需要长期护理的话，不单是失去了收入，而且你还有医药和医疗费用的增加，而且看护人也可能需要停止工作，所以他们所带来的经济和精神上的损失其实是很大的，所以这只是提供一个基本上的保障。” 新计划和目前一样，唯有无法自理至少三样日常活动才能索偿，一些人希望政府降低门槛，让无法完成一或两个活动的人也能索偿。 医疗政策顾问林方源医生表示，“首先保险计划必须要划定界限。但残疾不是能简单进行判断的，而是一个有关残疾程度和时间的连续体。我们应保持观望态度，因为日后还可以调整计划把它变得更好。” 政府日后也将加强评估认知障碍对行动能力的影响。医护人员日后将获得更清楚的指导，学习如何更好地评估有认知障碍的患者包括失智症病患。针对保费五年后是否会上涨，分析师相信即便上涨，也不会上调太多。更重要的是，政府已制定机制，能按照情况调整计划，确保计划的可持续性。 分析师认为，政府推出这个计划是一个艰难的决定，也可能引起一些反弹，但计划将能提高社会安全网的长期可持续性。 Source www.channel8news.sg Part of the List of Experts and Resource Panelists. Watch my views featured on Channel 8 news 19 May 2018 on https://goo.gl/xwenji
卫生部数据显示，截至2017年，本地约66%40岁到84岁的国人，拥有乐龄健保计划。过去几年退出计划的比率已减少，年满40岁国人的退出率约5%。其中约35%的投保人，还购买了附加险。分析师相信，人们选择加保是因为现有计划赔偿额有限。但日后推出的加强版乐龄健保，预计能让更多人受惠。 许荣发已离世的母亲，曾是乐龄健保受保人。她在85岁时，因生活无法自理，每月可获得300元赔偿额，为期五年。许荣发希望加强版乐龄健保可调高赔偿额，并延长赔偿期。 乐龄健保计划受保人儿子许荣发 说：“300元是不够请一个女佣，只是刚好够我们用他基本喂食器材、牛奶、尿片。每个月需要差不多整千块的开销。” 分析师表示，国人要更高的赔偿额，就需支付更高的保费。因此乐龄健保检讨委员今年1月就建议，把加入计划的年龄从40岁提前到30岁，而且强制不能退出。 星融理财顾问行政总裁谢诏全说：“强制这个两个字眼，很多人听了就不爽。你若从保险的角度来讲的话，越多人受保，你就有越多的风险承担，保费是可以减低。” 另外分析师也认为，政府应从三大外包保险公司手中，收回乐龄健保的管理。 谢诏全说：“因为他的宗旨是要为全国人提供一个社会安全网，少了需追求利润的宗旨。可能那些低收入的家庭，政府可以提供津贴。” 卫生部估计，在所有年满65岁的健康国人当中，有一半的人在一生中会有严重残疾的风险。一般受保人开始索偿的中位数年龄是66岁. Source: www.channel8news.sg Amidst the recent uncertainty and turmoil of the global financial markets, many investors have been left wondering if this is still a good time to look for investment opportunities. As with everything in life, there are two sides to the same story. On the one hand, the economic turmoil could be taken as a clear sign to rush out and away from the market. The rationale behind this move is the belief that it is better to be safe than sorry, and that a dollar saved is a dollar earned. We see such a reaction in the form of panic-selling, when risk-adverse investors take to their heels at the slightest sign of trouble. There are, however, those who believe that an economic turmoil is a signal for them to work their way in, following the belief that crises are often opportunities in disguise. It is in times of uncertainty that the “gems” are sold at a discount, and buying when others are selling allows one to gain a tremendous profit when the market recovers over time. For such investors, the key to tapping into this uncertain market lies in identifying when the market will turn, and what the right investment instrument will be. What most people forget, however, is to ask whether you are even in a position to invest. The basic questions: “Are you financially ready to invest?”, “How do you determine if you are financially ready to invest?” and “ What have you done so far to gauge your financial readiness?” are furthest from their minds. How To Determine If You Are Financially Ready Determining your financial readiness is not merely estimating how much you have in your bank accounts. There are 3 barometers of financial health that you will have to check yourself against: Personal Income and Expenses Statement, Personal Net Worth Statement and Financial Ratios. Only when you systematically review your finances in greater detail will you be aware of your readiness to invest in the future. Let us go through the 3 barometers so you will be more aware of what they are and how they can give you an idea of your where you are financially. How Much Do You Earn And Spend? Firstly, in order to establish your financial standing before you start any investment, you should be able to keep a good track of the money entering and leaving your wallet. You can achieve this through a personal income and expenses statement, a tabulation of your monthly income and expenses. Income is classified under money inflow, while expense is categorised under money outflow. Besides your salary, income can also be drawn from sources like: interest from deposits, rent from real estate or dividends from investments. Expenses are what you spend on that eliminates money from your pockets. Examples of expenses are: car loans and utility payments, travel and entertainment costs and credit card payments. Someone who is financially sound will have greater money inflow than outflow – when you choose to invest, you are creating an income stream that can serve you in the future. With that said, it is important that you keep tabs on your income and expenses statement at every point of your life to ensure that you are not on the wrong track of your finances.  How Much Are You Worth?
The next step in determining your financial readiness is to identify your assets and liabilities and compile them in a Personal Net Worth Statement. This statement shows you whether you are a positive net worth individual with many assets or whether you are a negative worth individual, one who is bagged down by liabilities in life. An asset puts money in your wallet while a liability removes them from it. Examples of assets are: cash, stocks, bonds, bank balances and net value of businesses you own. Do take note that in your Personal Net Worth statement, you should always indicate the ‘realised value’ – how much you will gain when you sell your assets in the future, and not their ‘paper value’ just to make your statement looks better. On the other hand, examples of liabilities are: taxes, car loans, mortgages and credit card balances due. Now that you know what assets and liabilities are, you can use them to find out your Net Worth. Net Worth, or your True Wealth is the difference between assets and liabilities. If you aim to have an increasing Net Worth over the years, you must ensure that your assets are growing faster than your liabilities – and not the other way round. Financial Ratios Finally, to really gauge whether you are financially ready, you must understand important financial ratios that will aid you in seeing the bigger picture of your financial health. Some of the things they will be able to expose are: how many months you can survive when you lose your income, whether your overall net worth is hugely liquid or illiquid, whether you over leveraged, how much are banks willing to loan to you, whether your assets are income-producing and whether you able to withstand a fall in asset value and yet remain solvent during a crisis. As an investor, you must know your financial ratios well as they will expose the areas you will need to improve on financially. You will then be able to work on them first and be more financially equipped before going ahead with your investments. How We Can Assist At this point, after going through the three different barometers of financial health above, you would probably find it easier to answer when someone asks you: “Are you financially ready to invest at this point of your life?” For those who have checked against the various barometers and are indeed all geared up and steady financially, it is now the time to enter into investments and grow your wealth, crisis or no crisis. Our team of advisers at SingCapital Pte Ltd would be more than willing to give you personalised advice along your investment journey, and share with you information on investment vehicles you can invest in, like bonds, equities and properties. |
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