Janice Yip Advisory Group

Rojak in Malay means mixture. In the Singapore context, it refers to a salad dish tossed with fruits and vegetables that reflects...

"The return is too low." This is the common concern raised when proposing wealth preservation options to clients. Very often this...

Recently I met a client who told me he needs $5000/month for his retirement income. So I asked him, how did he derive this figure? He...

"I already have your proposed insured amount in the bank, given that I want to shore up my savings, I'll pass up on this insurance." This...

If you are in your late 50s - 60s reading this, $2million might be enough. If you are any younger, it's likely not going to be enough for...

After close to a decade in this industry, I've reached a conclusion why it's easier to help some groups of individuals improve their...

As weird as the title sounds, this concern is real to a certain group of people living in Singapore. This is prevalent in 2 groups of...

It's year end and I am doing my year end reflections as a financial consultant. 2021 has been a rollercoaster year. We got 2 new Covid...

There's really very little incentive to invest your money or take up any financial instruments when you see your bank balance growing...

Largely due to imperfect information, we often do not know what are our best options available for our life situation until we are...

One of the biggest reasons people procrastinate making long term financial commitments is largely due to 'what ifs'. More often than not,...

Recently I was asked why does the market have so much stigma towards Investment Linked Policies (ILPs) and if it has its place in the...

This is going to be a pretty short article. It's motivated from meeting a number of clients who seem to perceive financial solutions as...

Recently, someone approached me to look into saving solutions and seem to be expecting something with good flexibility while having...

Retirement becomes a growing concern once you enter your 40s. This is why it's very common to see people who started work putting off...

As a FA, people consult me for all sorts of money issues. In the recent weeks, I encountered this question, "should I take a loan to...

Over the Chinese New Year break, I've had some very interesting discussions with friends on 2 topics. Future trends developing in society...

In my line of work, it's pretty common to meet people who make financial purchases out of convenience. This was especially the case when...

Parents invest heavily in their children nowadays and even though most won't admit it, some view children as their retirement plan....

You always see people asking famous personalities this question, 'if you could give an advice to your younger self, what would you...