Genevieve Cua

Genevieve Cua

WEALTH EDITOR

Genevieve Cua is wealth editor for The Business Times. She covers wealth management, focusing on issues relating to portfolios, retirement, insurance and healthcare. She writes a fortnightly column, Mind the Gap, and hosts WealthBT podcasts.

Large policies like indexed universal life are a tool in legacy planning as their cash payout makes it possible to equalise the distribution of an estate to heirs, unlike real estate or a business.
MIND THE GAP

Indexed universal life plans hit the sweet spot among wealthy and mass-affluent clients

Demand for such jumbo policies is driven by rising wealth creation in Asia-Pacific

Carlton Crabbe, chief executive of Capital for Life, said most problems in indexed universal life arise not from fees, but from unrealistic expectations or clients failing to fund the policy consistently and on time.

Points to consider before you commit to an indexed universal life plan

It is important to revisit the plan periodically, and ensure that you are able to consistently fund the premiums

Benoit Meslet, chief executive officer of Manulife, expects  the segment of high-net-worth insurance to grow in double digits annually.

Manulife issues record US$300 million life policy for a single client

The sale reflects a nascent but growing use of insurance for legacy and succession planning among high-net-worth families

From left: Jixun Foo, Granite Asia senior partner; Tan Su Shan, DBS chief executive; Jenny Lee, Granite senior managing partner

DBS partners Granite Asia to provide capital, financing for high-growth companies in Asia

Collaboration opens up investment opportunities for DBS wealth clients

The pre-condition for achieving a positive outcome for CPF life-cycle funds is the ability to stay invested for the long haul. This is harder than it sounds.
NEWS ANALYSIS

Is CPF’s new life-cycle investment scheme for everyone?

The portfolios’ returns will hinge on a long horizon and some hand-holding

The CPF will launch simplified low-cost portfolios based on a glide path mechanism that gradually de-risks the portfolio as members near retirement.
SINGAPORE BUDGET 2026

CPF to roll out lifecycle portfolios for those willing to take some risk for higher long-term returns

The new life-cycle investment scheme will be launched in the first half of 2028

Gold has experienced extended periods of boom and bust; the down periods can be long.
THINKING ALOUD

Buy gold on dips? With sky-high volatility, caution is warranted

The metal has since clawed its way back to US$5,054 per ounce, but is still off the year’s high

The Lifetime Retirement Investment Scheme is an idea whose time has come. Based on Endowus' flagship portfolios for the CPFIS, returns of varying combinations of stocks and bonds have beat the Ordinary Account rate of 2.5 per cent for up to 10 years.
MIND THE GAP

Glide-path portfolio for the CPF’s LRIS: an idea whose time has come

Here are six reasons to revive the Lifetime Retirement Investment Scheme with a mechanism that lets investors ratchet up or taper off...

AutoWealth will roll out four portfolios, intended to simplify decision making for CPF members.

AutoWealth to offer digital portfolio service for CPF Investment Scheme

The firm will roll out four portfolios, intended to simplify decision making for members

Traders at Hana Bank in Seoul, South Korea. The country's efforts to enhance governance through its Corporate Value-up Program has yielded results with the Korea Value-Up Index recording a 89.4 per cent gain at end-2025.
MIND THE GAP

Strides in governance could help Asian markets challenge US exceptionalism

But the US’ strength lies in its edge in corporate governance – investors enjoy legal clarity, shareholder empowerment and deep, liquid capital...