Adrian Seo Tho - Financial Planner

15/03/2025

How is the market going to be affected ?

🇺🇸 The U.S. Fed may cut interest rates as early as June 2025. How will this impact Singapore? 🇸🇬

🔹 Lower Loan Rates – SORA may drop, reducing mortgage & business loan costs.
🔹 Stronger SGD? – A weaker USD could mean better exchange rates for travel & imports.
🔹 Stock Market Moves – Cheaper borrowing may boost stocks & REITs.

What’s your take? Will a U.S. rate cut benefit Singapore? 🤔👇

14/03/2025

✈️ New Rule for Singapore Airlines Passengers! ⚡

Starting April 1, 2025, Singapore Airlines will prohibit passengers from using power banks to charge devices or recharging power banks during flights. While you can still bring them in your hand luggage, you’ll need to use the in-seat power outlets instead.

Why the change?
This aligns with global airline safety measures to prevent overheating and potential fire hazards on board.

What does this mean for travelers?
✔️ Plan ahead – charge your devices before boarding.
✔️ Bring a cable to use the in-seat power supply.
✔️ Avoid power bank usage while in the air.

🚨 A Reminder: Always Have Travel Insurance! 🚨
Flight delays, lost baggage, or even medical emergencies can happen anytime. Travel insurance ensures that you’re financially protected from unexpected situations. Imagine your flight getting delayed, and you need to book a last-minute hotel—would you rather pay out of pocket or have coverage take care of it?

Before your next trip, make sure you’re covered. Need advice on choosing the right plan? Let’s chat!

What do you think of this new policy? Will it affect how you travel? Share your thoughts below! 👇

SIA cited safety reasons for the move. Read more at straitstimes.com.

26/07/2024

What I like about life …
Work .. life … balance …

& of cuz, the freedom & ability to let client chose what they want for themself and their family …

Grateful that I am able to provide such options.. it is about giving advice and not being bias to any insurers …

🥰

🤭🤭🤭

02/08/2023

A short introduction…
One of the main benefits of working with an FA is their commitment to providing objective advice. Unlike advisors who might be tied to specific financial products / companies, this allows them to recommend options that best suit your individual needs and goals.

Plan for tomorrow today!

18/05/2022

PM to know more..

𝗢𝘂𝗿 𝗜𝗻𝘃𝗲𝘀𝘁𝗺𝗲𝗻𝘁, 𝗢𝘂𝗿 𝗙𝗼𝗰𝘂𝘀 - 𝗠𝗮𝗿𝗸𝗲𝘁 𝗙𝗼𝗰𝘂𝘀

"A decisive peak in inflation, coupled with an underwhelming growth outlook should support further gains in the local bond market as investors reassess the outlook for monetary policy. And policies to reinvigorate Brazil’s economy are likely to take centre stage during the campaign ahead of the general election that is due to take place in October", said David Rees, Senior Emerging Markets Economist at Schroders, about the Brazil Market outlook. This could spell good news for investors looking at diversifying their portfolio to another possible growt market.

The sectors of investment would be on any investor's mind when entering a market. According to Goldman Sachs Investment Research, the key sectors that would likely yield higher returns are as shown in the attached collage.

One such fund is investing in these key sectors in Brazil as shown also in the collage.

Talk to our Financial Planners today for more details.

*𝘋𝘪𝘴𝘤𝘭𝘢𝘪𝘮𝘦𝘳: 𝘛𝘩𝘪𝘴 𝘢𝘳𝘵𝘪𝘤𝘭𝘦 𝘥𝘰𝘦𝘴 𝘯𝘰𝘵 𝘳𝘦𝘱𝘳𝘦𝘴𝘦𝘯𝘵 𝘢𝘯 𝘢𝘥𝘷𝘪𝘤𝘦 𝘵𝘰 𝘢𝘤𝘵. 𝘊𝘰𝘯𝘴𝘪𝘥𝘦𝘳 𝘺𝘰𝘶𝘳 𝘰𝘸𝘯 𝘧𝘪𝘯𝘢𝘯𝘤𝘪𝘢𝘭 𝘨𝘰𝘢𝘭𝘴 𝘢𝘯𝘥 𝘧𝘪𝘯𝘢𝘯𝘤𝘦𝘴 𝘣𝘦𝘧𝘰𝘳𝘦 𝘵𝘢𝘬𝘪𝘯𝘨 𝘢𝘯𝘺 𝘢𝘤𝘵𝘪𝘰𝘯.

04/07/2021

Come 1 July, more than 540,000 CPF members will enjoy an average reduction of about 10% in their annual Home Protection Scheme (HPS) premiums. Here’s a snapshot of how you can benefit from the mortgage-reducing insurance for your HDB flat.

What other alternatives you have beside HPS ?
Drop me a call for a quick discussion ..

MORE than 540,000 Central Provident Fund (CPF) members paying home protection scheme (HPS) premiums annually will enjoy an average reduction of 10 per cent on their premiums from July 1, 2021. Read more at The Business Times.

04/07/2021

Do you like watching Viu ?
What about having 365 Days Viu Premium FOC ?

Click to find out how ...

Planning to start or enhance your protection? Explore a range of offers from complimentary additional coverage to voucher rewards and more!

07/03/2021

Be protect against the 𝗨𝗡𝗘𝗫𝗣𝗘𝗖𝗧𝗘𝗗.
𝗦𝗺𝗮𝗿𝘁𝗣𝗔 𝗣𝗿𝗼𝘁𝗲𝗰𝘁+, protection against accident..

Currently, enjoy having 𝟮𝟬% 𝗼𝗳𝗳 premium (your children get to enjoy 20% of your coverage 𝗙𝗥𝗘𝗘!)

PM / Click to find out more !!
https://www.axa.com.sg/personal-accident/buy?agent=MTc4MDA=