Karen Tang - Certified Financial Planner in Singapore

14/04/2025

Financial Planning tip of the week:

Tracking your expenses is a real game-changer. One of my clients, Sarah, an executive in Singapore, realised she was spending over $1500 a month just on food delivery! By simply monitoring her spending using a budgeting app, she managed to cut down and save for her first apartment.

As Benjamin Franklin once said, “Beware of little expenses; a small leak will sink a great ship.”

Tracking where every dollar goes gives my clients like Sarah the power to spend smarter and save faster.

For Singapore residents who want accurate tech-enabled financial planning and colourful visualisation of how specific goals & future situations affect your net worth, do reach out to me.

Call now to connect with business.

11/02/2024

Happy Chinese New Year, my dear friends!

Wishing you and your family prosperity, good health and happiness in the Year of the Dragon.

May this new year be filled with love, laughter, and unforgettable moments. 恭喜发财, 万事如意！

To your best!
Karen Tang, CFP®, AEPP®

20/11/2023

I was interviewed by Her World, where we delved into the increasing trend of Singaporean women contemplating solo living. The discussion revolved around the crucial financial considerations they should weigh before making this decision. It's imperative to assess whether they possess a sufficient financial reserve and surplus cash flow to effectively cover the expenses of living independently and for how long they can sustain it.

Read the complete blog for a comprehensive understanding of the crucial factors influencing the decision to live alone. Your journey to financial empowerment starts with the full picture! Click here to read more.

Singaporean women are looking to move out and live alone. What financial

20/06/2023

Our money habits play a significant role in shaping our , in both the short-term and long-term. Disciplined money habits involve budgeting, saving, investing, debt management, having proper protection in place, financial education and goal setting.

Our money habits are closely tied to our ability to set and achieve financial goals. By setting SMART (Specific, Measurable, Actionable, Realistic, Timely) objectives, coupled with implementing disciplined financial habits, we can progress towards these goals.

By avoiding these common money mistakes, young people can lay a strong foundation for their financial future and make the most of their earning potential.

Visit http://www.karentang.sg to learn more
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12/05/2023

We all have goals and aspirations. But the plans we execute to achieve these goals may not always work out smoothly. What do you do then? Take, for example, when you are driving and you hit a dead end. Do you give up and head back home or do you make a U-turn and use another route to reach your destination?

There are different routes to accomplishing your goals. There will be obstacles. Plans may fail. However, the goals that inspire you should remain. Keep that unwavering focus. Keep your eyes on the prize! Instead of giving up on the goal, reassess the plan, consider options, learn from the mistakes and use those learned lessons to modify the approach to navigate a new route. To your !

Visit http://www.karentang.sg

01/05/2023

Good news! The fee waiver for the Lasting Power of Attorney (LPA) application (S$75) for Singapore citizens has now been extended for another 3 years (till 31 March 2026)!⁣⁣ The CNA news article (29 March 2023) says that since 2022, more than 26,000 LPAs have been done online.

This is concrete evidence that the need for an LPA is real and demand for this estate planning tool will only continue to rise. This waiver extension, hopefully, is an encouraging push to get more people to take action before it's too late.

Effecting an LPA is one of the most important (and responsible) things we need to put in place while we are still mentally fit. If you've not gotten to it yet, stop procrastinating and take action today!⁣⁣ Read the CNA article here: https://tinyurl.com/4b94ympr

What can you do to ensure absolute peace of mind of your family & loved ones when you're no longer around? Let's have a chat over coffee! Reach out to me at www.KarenTang.sg

01/05/2023

Ladies, understanding yourself and your financial goals is key to overcoming any barriers to investing and financial planning. With education, support, and a positive mindset, women can successfully manage their finances and achieve financial freedom. Of course, this journey is best guided with advice from a qualified financial advisor. If you wish to take the first step and don't know how, do reach out to me at http://www.KarenTang.sg

15/03/2023

Financial planning is an essential aspect of life, regardless of gender. However, it is true that women often face unique financial challenges that can make it harder for them to plan for their financial future.

While women do face unique financial challenges, it is possible to overcome them and achieve financial security through education, planning, and strategic decision-making.

Financial planning need not be an overwhelming process. The approach is systematic and logical. I will make the complicated simple for you. I will give you clarity and I will hand hold you on the right path.

If you need a holistic perspective of your financial planning, do reach out to me at +65 62528500 or you can visit my website to schedule an appointment.

08/03/2023

Happy International Women's Day to strong, intelligent, talented and simply wonderful women of this world! You are loved and appreciated!
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17/02/2023

Rebalancing refers to the process of returning the values of a portfolio's asset allocations to the levels defined by an investment plan. Those levels are intended to match an investor's tolerance for risk and desire for reward. With rebalancing, investors are able to sell when expensive, buy when cheap - without thinking. Best of all, it removes the confusing issue that investors face about “timing” the market.

Rebalancing refers to the process of returning the values of a portfolio's asset allocations to the levels defined by an investment plan. Those levels are intended to match an investor's tolerance for risk and desire for reward. With rebalancing, investors are able to sell when expensive, buy when c...

10/02/2023

Many of us delay seeing a doctor until we’re feeling unwell. Instead of trying to get better after falling ill, isn't it far better to do what we can to avoid getting sick in the first place? It is the same when it comes to our money and financial planning. Work with a Certified Financial Planner (a.k.a. financial doctor) who can 'diagnose' your financial health and 'prescribe' a treatment plan with customised solutions to set you on the right path. You can reach me at +65 62528500 or you can visit my website to schedule an appointment.

Visit -www.karentang.sg

24/01/2023