Providend

15/06/2026

As trusted advisers to affluent clients for 25 years this year, our wealth management philosophy of making ikigai decisions before money decisions is grounded in real-world experience managing more than S$1.7 billion of our clients’ hard-earned assets.

In this week’s Money Wisdom episode, we continue our ‘The Brain Behind’ series, where our co-host and Associate Adviser, Sudhan, speaks with our CEO, Christopher, about his latest Business Times article, ‘The Retirement Advice That Worries Me Most Right Now’.

In this conversation, Christopher encourages listeners to look beyond the high projected returns promised by instruments such as ILPs. Instead, he highlights the importance of knowing what is “enough”, so that you can build a retirement with greater certainty and peace of mind.

Listen to the podcast here: https://providend.com/cpf-life-vs-ilps-certainty-vs-projections/

For listeners who value certainty in retirement and want to strengthen their financial foundation, especially through proper Coverage Management, our sister company, Havend, provides a safe space to seek insurance advice without pressure or sales tactics. You can reach out to the Havend team here: https://havend.com/contact/

13/06/2026

"A Letter of Wishes is the sword that cuts through ambiguity and the shield that ensures your family’s harmony." - Cynthia, Head of Private Clients at Tang Thomas LLC

Watch the full video here: https://youtu.be/BAsp03gzleA

12/06/2026

CPF LIFE payouts versus ILP returns. Is it a fair comparison, or are we comparing certainty with projections?

As a trusted adviser to our affluent clients for over two decades, Christopher, our Founder and CEO, was invited on The Business Times' BT Correspondents podcast to share why he considers CPF LIFE Singapore's best annuity and the important questions investors should ask before relying on any instrument to provide their retirement income.

Listen to the interview here: https://www.youtube.com/watch?v=3VRA7fAkQmw

For a deeper dive into the topic and the article that sparked this discussion, we encourage you to read Christopher's recent article, "The Retirement Advice That Worries Me Most Right Now," where he explains why certain retirement strategies deserve closer scrutiny: https://providend.com/the-retirement-advice-that-worries-me-most-right-now/

Are financial advisors steering you wrong on retirement? In this ey...

11/06/2026

“Optimism isn't blind positivity. It's having enough small wins to build confidence for the future.”

In this podcast episode, Matthias, our Senior Client Adviser, reflects on the Ikigai petal of "Bright Future". He opens up about the uncertainty of changing jobs after spending more than a decade at his previous firm, and how he navigated the transition with optimism.

He also shares the importance of celebrating "small wins" and why he hopes to instil this mindset in his children, so they can face the future with confidence.

Watch this video to learn more: https://youtu.be/1Ooknjn38Ww

Through deep conversations with our advisers, you will gain clarity on what matters most in life and what needs to be done to live a good life, both financially and non-financially, with your Ikigai goals at the forefront of your wealth plan. Learn more about the seven ikigai petals here: https://ikigaitribe.com/blogpost/seven-ikigai-needs/

Welcome to the fourth episode of our miniseries Ikigai Insider, whe...

10/06/2026

"A Letter of Wishes essentially turns inheritance into a roadmap." - Cynthia, Head of Private Clients at Tang Thomas LLC

Watch the full video here: https://youtu.be/BAsp03gzleA

10/06/2026

Many Singaporeans are being told that they can potentially achieve a better retirement income by giving up the certainty of CPF LIFE for higher investment returns.

But do they fully understand the trade-offs, risks, and assumptions behind such recommendations?

As a trusted adviser to our affluent clients for over two decades, Christopher Tan, our Founder and CEO, will be on Capital 95.8FM at 10 am today to discuss CPF LIFE vs ILP, the often-overlooked sequence-of-returns risk, and why understanding the difference between projected and guaranteed income matters.

Do share these links with your Mandarin-speaking family and friends!
📻: https://lnkd.in/gnHW7fTs
📺: Facebook Live https://lnkd.in/gjUttVCH

In Christopher's latest Business Times article, he recounts a retirement advice involving ILPs to someone he knew and explains why such strategies, if not carefully scrutinised, could expose retirees to risks they may not fully appreciate. You can read the full, unedited version here: https://providend.com/the-retirement-advice-that-worries-me-most-right-now/

09/06/2026

"If you're making a decision based on incomplete information or false promises, you may only realise the consequences when you're in your 60s."

As the leading fee-only wealth advisory firm in Southeast Asia, our CEO, Christopher Tan, was on MONEY FM 89.3, sharing his insights on retirement advice involving exposing retirees to unnecessary market risks, how CPF LIFE fits into a retirement portfolio and what questions investors should ask before making long-term decisions.

Listen to this interview and share it with a friend: https://omny.fm/shows/moneyfm-midday-show/money-and-me-should-you-halve-your-cpf-life-pledge-for-the-full-retirement-sum-in-favour-of-other-products-what-does-that-choice-involve

For a deeper understanding of this issue, we encourage you to read Christopher's recent article, "The Retirement Advice That Worries Me Most Right Now," where he explains why certain retirement strategies deserve closer scrutiny: https://providend.com/the-retirement-advice-that-worries-me-most-right-now/

You may also find this follow-up commentary in The Business Times helpful: "Should You Sacrifice Some CPF LIFE Income in Favour of ILPs? Tread Carefully.": https://www.businesstimes.com.sg/opinion-features/should-you-sacrifice-some-cpf-life-income-favour-ilps-tread-carefully

"It seems many Singaporeans are being asked not to set aside the Full Retirement Sum (FRS) in their RA at age 55. Instead, they are advised to set aside only the Basic Retirement Sum (BRS) - which is half of the FRS - by pledging their property, and to redirect the other half into an ILP'", wrote Ch...

08/06/2026

Welcome to the fourth episode of our miniseries Ikigai Insider, where we invite our Client Advisers to share what it means to live a good life, combining Ikigai with Providend’s Philosophy of Sufficiency.

In this podcast episode, Matthias, our Senior Client Adviser, reflects on the Ikigai petal of 'Bright Future' - representing a psychological need to believe that life is moving in a positive direction. He opens up about stepping out of his comfort zone and making the difficult decision to change jobs after spending more than a decade at his previous firm. While the transition came with uncertainty, he chose to hold on to optimism and trust in what the future could hold.

Together with our host Aaron, he reflects on the story of a prisoner in a concentration camp and explores how the simple act of looking towards a better tomorrow, can give meaning to today.

Listen to the podcast here: https://providend.com/ikigai-insider-courage-embrace-bright-future/

Through deep conversations with our advisers, you will gain clarity on what matters most in life and what needs to be done to live a good life, both financially and non-financially—with your Ikigai goals at the forefront of your wealth plan. Learn more about the seven ikigai petals here: https://ikigaitribe.com/blogpost/seven-ikigai-needs/

07/06/2026

Are Singaporeans sacrificing retirement security in pursuit of higher returns?

As a trusted adviser to our affluent clients for over two decades, Tan, our Founder and CEO, will be on MONEY FM 89.3 at 10:05 am tomorrow morning to share his insights on CPF LIFE, investment-linked retirement strategies, sequence-of-returns risk, and the difference between projected and guaranteed retirement income.

📻 Tune in to find out: http://www.moneyfm893.sg/

With a minefield of financial misinformation out there, we promise to be a safe pair of hands and a second pair of eyes to help you avoid costly financial mistakes. To receive first-hand wealth insights from our team of experts, subscribe to our weekly newsletter here: https://providend.com/ -subscribe

07/06/2026

As Southeast Asia’s leading fee-only wealth advisory firm for 25 years this year, our philosophy of making life decisions before money decisions is born out of over two decades of experience managing our clients' hard-earned money.

To our clients who have entrusted us with your life and family's goals, we extend our heartfelt gratitude. Your continued support for Providend means the world to us.

A special thank you to our client Vuimin for sharing his 5-star Google review, highlighting how having most of his savings managed by Providend has given him a peace of mind and more time to focus on what truly matters: his work, family and life; thank you so much! We will continue to provide transparent and holistic advice so you can achieve your non-negotiable Ikigai.

Through deep conversations with our advisers, you’ll gain clarity on what matters most in life and what needs to be done to live well, both financially and non-financially. Make an enquiry with us today about your wealth plan: https://providend.com/our-clients/service-enquiry-form