My IFA

02/07/2026

A bankrupt cannot remove trustee simply because their relationship soured: High Court

Discover why a bankrupt individual cannot simply ask the High Court to remove their trustee due to a soured relationship in Singapore. Read more at straitstimes.com. Read more at straitstimes.com.

17/05/2026

Beyond Product Illustrations: The True Role of an Independent Financial Adviser

The above image is a recent conversation with a fellow financial adviser in Avallis Financial. It reminded me why independent financial advisory matters so much today. While reviewing a product illustration, the representative raised several important questions: “Does this calculation sound correct?”“The illustrated yield looks very high based on the information shown.”“I just want to make sure this is the correct way to market the product.”...

23/04/2026

Dollar-Cost-Averaging vs Bottom Fishing

Dollar-Cost-Averaging(DCA) and Bottom Fishing(BF) are two investment strategies that are often debated. Let's do a back-testing simulation to look at how different are the two strategies and which is a better way to invest. The chart below shows the portfolio returns of two investors who invested in the S&P 500 index - One practice DCA by investing $1,000 every month and another practice BF by investing $12,000 a year only at the lowest price for that year....

Dollar-Cost-Averaging(DCA) and Bottom Fishing(BF) are two investment strategies that are often debated. Let’s do a back-testing simulation to look at how different are the two strategies and …