Mind the Gap

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 risk-taking

Traders at Hana Bank in Seoul, South Korea. The country's efforts to improve governance through its Corporate Value-Up Programme has yielded results; the South Korea Value-Up Index recorded an 89.4% 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 markets

Finances are important, but are not everything. Non-financial and intangible assets arguably go a longer way towards enabling a more fulfilling life, than financial assets alone.
MIND THE GAP

Fancy one or more mini-retirements? Start planning early for a multi-phase life

A recent survey by HSBC finds that most Singaporeans plan for two to three mini-retirements over their lifetime

Singapore's hospital bed crunch is set to ease. Between 2025 and 2030, another 13,600 beds will be added to the healthcare system.
MIND THE GAP

Should you drop your Integrated Shield Plan? This health scare offers insights

A HEALTH scare that my husband suffered last month surfaced some perspectives on why a significant number of people, particularly seniors, may consider giving up their Integrated Shield Plans (IPs).

Hamilton Reiner, JPMAM managing director, believes options should be used for outcomes and not for leverage.
MIND THE GAP

Derivative-income funds offer attractive yields – if you can accept the trade-off

[SEOUL] Vetaran fund manager Hamilton Reiner, who pioneered equity premium income funds for JP Morgan Asset Management (JPMAM), speaks with a kindly, almost professorial cadence that belies his star p...

Morningstar suggests the concept of "dynamic" withdrawals, where a retiree adjusts his amount of withdrawals based on the performance of his portfolio.
MIND THE GAP

New glidepath funds debut, but withdrawal rate in retirement remains a puzzle

Investors have to decide how much to withdraw, and are caught between the fear of outliving their funds or delaying joy too much

Supplements for ElderShield/CareShield Life offered by private insurers cover a range of benefits going well beyond the basic schemes.
MIND THE GAP

CareShield Life supplements: An extra hedge against rising long-term care costs

For ‘super-aged’ Singapore, heavy burden of care falls on public health services, families and personal finances

Prudential posts the strongest returns among insurance participating funds in 2024, but says it would be "wise to be even more prudent" in 2025.
MIND THE GAP

Insurance par funds post robust returns in 2024; cautious stance for the longer term

Interest in such products seems be waning, as a strong equities market boosts appetite for investment-linked products

Erin Browne, Pimco managing director and portfolio manager, says the 60/40 portfolio (60% bonds, 40% stocks) has proved its resilience over more than 30 years.
MIND THE GAP

How reliable is the 60/40 portfolio in downturns? Adding private debt not a panacea

Analysts warn that amid limited fiscal space, a genuine credit default cycle may unfold for the first time in years, catching many investors unprepared

The rising frequency of armed conflicts and military procurement is a sign that a "unipolar" world is ending, says BCA Research.
MIND THE GAP

Grasping the mettle of geopolitics in portfolios

A sustained increase in infrastructure and defence spending can have long-term implications