Working with me
Do I actually need a financial adviser?
Honestly? Not for everything. If your situation is simple, this site may be most of what you need. Where a good adviser earns their keep isn't stock tips — it's handling the complexity and keeping you steady through the moments that tempt everyone to do something they'll regret.
How I help →How are you paid?
Ask me directly and I'll tell you plainly and in full, before you commit to anything. You should always understand how the person advising you earns — it's the clearest way to read their incentives.
How I help →Do you only work with wealthy people?
No. Clarity matters just as much on a modest income — arguably more, because there's less room for an expensive mistake.
I already bought a policy I'm unsure about. Can you look at it?
Happily, and with no pressure. Sometimes the honest answer is 'keep what you have' — and if so, that's exactly what I'll tell you.
Insurance & protection
Whole life or term?
For pure protection, term — almost always. The same cover can cost 20–40 times less as term than as whole life. Insure the real gap cheaply, and invest the difference separately.
Term vs whole life →Are 'savings plans' and investment-linked policies worth it?
Rarely, for the buyer. They bundle investing and insurance together, usually with layered fees and commission. You're almost always better off keeping the two separate.
CPF, tax & retirement
Is my CPF actually a good deal?
Yes — a genuinely good one. An interest floor of 2.5% in your Ordinary Account and 4% in your Special Account, backed by the Singapore government. That 4% is a bar many professional funds fail to clear reliably.
Should I invest my CPF through CPFIS?
Usually not. CPF Board's own data for 2013–2022 showed 45% of members who invested their CPF lost money, and only about a quarter beat the 2.5% floor they already had.
CPF, optimised →Is SRS worth it?
If you pay meaningful income tax and you'll actually invest what's inside it, yes — it's one of the clearest legal tax breaks available. If you'd leave it sitting as cash, most of the benefit is lost.
How SRS works →Housing & investing
How big a flat should I buy?
The smallest one you'll genuinely be happy in. Every extra $100k of flat is roughly $450 a month for 25 years — plus the CPF interest you quietly owe yourself. Right-sizing the home is a retirement decision wearing a status costume.
Your flat, by the numbers →STI ETF or a global fund?
Mostly, just know what you own. The STI is about 30 Singapore companies, heavily weighted to a few banks — a concentrated bet, not the broad diversification people assume. A global index spreads the same dollar far wider. Neither is 'wrong'.
What's the single most important thing?
Your savings rate, and your behaviour. Both move the outcome far more than which fund you pick or what the market does in any given year.
Try the calculators →The ones worth asking are usually about your numbers, not the general case — and those are the best kind to bring to a conversation. That's what I'm here for.
A note
General information reflecting the position as of July 2026, not financial advice or a product recommendation, and it doesn't account for your circumstances. Figures are drawn from public sources and rules change. Jonathan Wong is a licensed financial adviser representative in Singapore, currently between firms — during that period he is not able to provide financial advice. You can check his registration yourself on the MAS Financial Institution Representatives Register at eservices.mas.gov.sg/rr.