How much do you really need to retire comfortably? In this video, we break it down step-by-step—from estimating your lifestyle expenses and accounting for inflation, to factoring in dividends and CPF payouts. We then bring everything together to calculate your “magic number” so you can retire with confidence and clarity. Whether you're just starting your journey or fine-tuning your plan, this guide will help you take control of your retirement strategy.

In this video, we break down how the Supplementary Retirement Scheme (SRS) can help you save on taxes today while building a long-term investment portfolio. We explore the key benefits, important considerations before contributing, and whether you might end up paying more taxes later on. We also walk through an example of a real-life $545K SRS portfolio and why we prefer a Singapore-focused strategy for SRS investments. If you’re looking to optimise your tax planning while growing your wealth, this will help you get started. All this and more in our latest episode!

In this roundtable, we break down how Trip.com became the dominant online travel agency (OTA) in China, starting with its business model and the key drivers behind its market leadership. We dive into its economic moats, analyze its financials, and explore the outlook for China’s tourism. We also discuss key risks facing the business—including competition, pricing pressure, and emerging trends like AI. Finally, with the stock trading at a single-digit PE, we examine whether this is a turnaround opportunity or an undervalued play. All this and more in our latest episode!

Is BTO really the path to wealth in Singapore—or a place to call home? In this fireside chat, we break down the reality behind Singapore’s most popular housing strategy, exploring how BTO flats have helped some build wealth, the limitations and risks involved, and whether this approach still works in today’s market. Join us as we discuss real-life examples, key considerations, and how BTO fits into a broader long-term financial plan.

How should investors position their portfolios during periods of geopolitical uncertainty like the Iran war? We examine how the S&P 500 has historically behaved during wars, the impact of oil shocks, and what sentiment indicators like the Fear & Greed Index are telling us today. We also discuss what to do if tensions escalate further, the sectors that may present opportunities (and risks), and why energy stocks, while tempting, can quickly become speculative. Finally, we highlight how to avoid panic-driven decisions by focusing on probabilities, staying disciplined, and positioning your portfolio for long-term growth despite the uncertainty.00:00 Intro01:24 S&P03:27 Historical wars05:40 Oil shocks09:10 Portfolio11:22 Fear & Greed Index13:35 Sectors15:50 STI16:40 HSI17:13 Opportunities19:10 Energy play?20:45 Panic📧 THE FIFTH PERSON NEWSLETTER - Subscribe for Free Exclusive Webinars and More!https://fifthperson.com/newsletter/📖 FREE EBOOK - A Quick-start Guide to Winning the Game of Stockshttps://fifthperson.com/ebook/💻 FREE TRAINING WEBINAR - How to build a profitable income portfoliohttps://TheIncomeStrategy.com

Should you be investing in gold? In this roundtable with Lion Global Investors, we break down why gold recently surged to all-time highs, whether it still makes sense to allocate a portion of your portfolio, and the key risks investors need to understand. We also take a deep dive into the LionGlobal Singapore Physical Gold ETF: how it works, where the physical gold is stored, insurance coverage, tracking accuracy, costs, and what to watch out for after listing. Finally, we discuss who this ETF (tickers GLS and GLU) is suitable for, along with practical considerations like CPF/SRS eligibility. so you can decide if gold deserves a place in your portfolio.

Singapore REITs have had a roller-coaster ride over the past few years. After struggling through the higher interest-rate environment of 2023–2024, the sector rebounded strongly in 2025 as rate pressures began to ease. In this roundtable, we look at where valuations stand today, and examine whether the outlook for Singapore REITs is finally turning a corner in 2026 as sentiment improves. We also share our thoughts on the REIT cycle, the different REIT sectors in Singapore, and why we think this could be an interesting time to look at S-REITs again.

Singapore’s three major banks — DBS Group, OCBC Bank, and United Overseas Bank — have released their FY2025 results, and investors are asking the same question: what comes next in 2026? In this roundtable, we break down the key highlights from their earnings, including net interest margins, cost efficiency, and dividend trends. We also discuss the main risks and opportunities facing Singapore banks in 2026, from interest rate expectations to regional growth and asset quality.

Finally, we examine current valuations and how the banks compare with alternatives like Singapore REITs. Are bank stocks still attractive after their strong run? Or are investors better off looking elsewhere for income? All this and more in our latest episode!

Many people think retirement is about hitting a big net-worth number, but the real challenge is cash flow. In this roundtable, we discuss why having wealth on paper doesn’t always translate into financial security if your assets cannot generate consistent income. We highlight recent statistics on Singapore households’ wealth and explain why cash flow matters more than net worth for retirement. We also examine the debate between growth vs income investing, and discuss how investors can build multiple streams of passive income—showing why sustainable cash flow ultimately determines whether a retirement plan truly works.

As interest rates continue to normalise in 2026, where you park your idle cash can make a meaningful difference — especially for Singapore investors who are balancing liquidity with safety in a lower-yield environment. In this roundtable, we list some of the most popular low-risk places to store your cash, discuss how their current interest rates compare today, and highlight the key trade-offs between liquidity, stability, and returns — so you can decide where your emergency funds and short-term savings can work harder while waiting for opportunities in the stock market.