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Everyone wants to achieve financial freedom 

We all want to be able to meet our life goals over the course of our lifetime. We want to be able to say sayonara to our work and sip a cocktail while enjoying the sunset without any financial worries. 

Financial goals mean different things to different people. For some, it could mean being able to afford a wedding of their dreams in the next 3 years. For others, it could mean being able to afford the purchase of one’s dream home; or being able to send their children to a foreign university for the best education. Lastly, it could mean having the desired retirement lifestyle without any more financial cares. 

This desire for financial freedom drives us all to work hard, invest our hard-earned money with the hope that it grows sufficiently to meet all our financial goals. 

About Us

How can we invest?

The need to grow investment returns drives us to explore all sorts of investment opportunities. Depending on one’s risk appetite, investors plough their hard earned money into tried and tested assets like property, shares or plain vanilla bank fixed deposits. For the more adventurous, they might venture into higher risk assets with the hope of chasing higher potential return. The less careful might stumble on a scam instead. But is aiming for the highest return the best investment approach?

To meet our financial goals, we need to focus on growing our financial capacity – or simply put, our net worth. For those unfamiliar with this term, it just means the difference between the gross value of all our assets less the loans that we have. Our net worth is probably the single most important measurement of where we stand financially at any point of time. 

Our approach to growing Net Worth

In trying to meet our financial goals to achieve our desired financial freedom, many focus on investing. Return on investment (ROI) is the common measure of success in investing. However, the downside of a single-minded focus on this measurement could result in investing without sufficient thought to the risks associated with the investments. So, is investment ROI the only way to grow your net worth?

There’s no denying that getting the optimal investment return on your hard-earned money is important in growing your net worth. But there’s more to it than that. Having assisted our clients over the years in their financial journey towards financial freedom, it’s our experience that there are 4 main factors to consider when you aim to grow your net worth effectively.

Our approach to growing Net Worth

In trying to meet our financial goals to achieve our desired financial freedom, many focus on investing. Return on investment (ROI) is the common measure of success in investing. However, the downside of a single-minded focus on this measurement could result in investing without sufficient thought to the risks associated with the investments. So, is investment ROI the only way to grow your net worth? There’s no denying that getting the optimal investment return on your hard-earned money is important in growing your net worth. But there’s more to it than that.Having assisted our clients over the years in their financial journey towards financial freedom, it’s our experience that there are 4 main factors to consider when you aim to grow your net worth effectively.

Growing Your Savings

It’s simple math that we need to spend less than we earn. The difference is savings that can be used to meet any emergencies and for investments. How do we grow our savings? We can either earn more income, spend less money or do both. Earning a high income is a good starting point. However, if our expenses are high as well, savings might become illusive. Savings are important as it provides us with the ability to invest.

Increase Our Return on Investment

For many, keeping our money in bank deposit has been the default option. However, with 12-month FD interest rates hovering between 1.8% – 2.2% p.a., it no wonder that most are looking for something more to keep up with rising inflation and the need to grow our assets. Enter investment options that offer higher returns but with a correspondingly higher level of risk. Finding the right balance between risk and returns in line with our risk profile becomes even more important to grow our money with higher levels of certainty.

Growing Your Savings

It’s simple math that we need to spend less than we earn. The difference is savings that can be used to meet any emergencies and for investments. How do we grow our savings? We can either earn more income, spend less money or do both. Earning a high income is a good starting point. However, if our expenses are high as well, savings might become illusive. Savings are important as it provides us with the ability to invest.

Increase Our Return on Investment

For many, keeping our money in bank deposit has been the default option. However, with 12-month FD interest rates hovering between 1.8% – 2.2% p.a., it no wonder that most are looking for something more to keep up with rising inflation and the need to grow our assets. Enter investment options that offer higher returns but with a correspondingly higher level of risk. Finding the right balance between risk and returns in line with our risk profile becomes even more important to grow our money with higher levels of certainty.

Reducing Financial Risks

We often project out our financial expectations on the basis of being able to continue working and saving until our desired retirement age. Unfortunately, illness or disability could prevent us from doing so. An unexpected risk could represent the unexpected financial curve ball – damage to property or loss of income due to economic downturn could set us back significantly. Planning for these unexpected risks becomes more important particularly for those with high financial commitments and dependents.

Reducing Financial Costs

When choosing financial related products, convenience is always a big attraction. However, the cost of the convenience needs to be weighed as well. An insurance savings plan is convenient – offering an investment product packaged with protection in case of premature death or disability. But are the related costs of insurance for such products justified, or are you better off buying term and investing the difference? Many people choose to pay the minimum on their credit card bill but maintain a savings account balance instead. Is it better for you to have access to funds in savings accounts earning near zero balance but incur interest expenses of 15-18% p.a. on your credit card outstanding balance? These financial costs could creep up and compound over the years, much to your financial detriment.

Reducing Financial Risks

We often project out our financial expectations on the basis of being able to continue working and saving until our desired retirement age. Unfortunately, illness or disability could prevent us from doing so. An unexpected risk could represent the unexpected financial curve ball – damage to property or loss of income due to economic downturn could set us back significantly. Planning for these unexpected risks becomes more important particularly for those with high financial commitments and dependents.

Reducing Financial Costs

When choosing financial related products, convenience is always a big attraction. However, the cost of the convenience needs to be weighed as well. An insurance savings plan is convenient – offering an investment product packaged with protection in case of premature death or disability. But are the related costs of insurance for such products justified, or are you better off buying term and investing the difference? Many people choose to pay the minimum on their credit card bill but maintain a savings account balance instead. Is it better for you to have access to funds in savings accounts earning near zero balance but incur interest expenses of 15-18% p.a. on your credit card outstanding balance? These financial costs could creep up and compound over the years, much to your financial detriment.
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WHY FINWEALTH

One-Stop Solution Centre

Everything starts with a Plan and having a financial professional by your side will help you track your progress and make the right financial decisions to achieve your life goals.

Un-bias Financial Advice

We are an independent advisory firm who represents you and acts in your best interest, and not any product or platform provider.

Holistic View in All Areas of Your Personal Finance

Having a big-picture view of your situation and goals helps you make better financial decisions by optimising your financial resources more efficiently.

Focus on Growing Your
Net Worth

Tracking your progress not just on investment returns but growing your overall wealth as a whole.

Our approach to growing Net Worth

In trying to meet our financial goals to achieve our desired financial freedom, many focus on investing. Return on investment (ROI) is the common measure of success in investing. However, the downside of a single-minded focus on this measurement could result in investing without sufficient thought to the risks associated with the investments. So, is investment ROI the only way to grow your net worth?

There’s no denying that getting the optimal investment return on your hard-earned money is important in growing your net worth. But there’s more to it than that.Having assisted our clients over the years in their financial journey towards financial freedom, it’s our experience that there are 4 main factors to consider when you aim to grow your net worth effectively.

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