The Josh Tan Podcast!

If you are looking for a transformative change towards your retirement direction, ENGAGE Josh Tan on a fee for full retirement planning NOW ►‌ https://www.theastuteparent.com/josh-tan

Personally, I've limited slots for cases per week and am looking to for long term partnerships and making real impact, hence for all private clients, I start with a prequalifying call to help us all establish best mutual fit and if yes then a fee to commence engagement
ENGAGE JOSH TAN NOW ►‌ https://www.theastuteparent.com/josh-tan

👏 Meet Josh Tan On Instagram - https://www.instagram.com/joshconsultancy

***** Looking to invest today 🌟 *****

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1) 28 Days to Financial Freedom ►‌ https://payhip.com/b/UqpKL
2) HOW TO $1m (Newest Edition) ►‌ https://payhip.com/b/q5Bln

►‌ Follow Josh Tan on Linkedin to read articles and connect professionally 
https://www.linkedin.com/in/josh-tan-jl/

To see updates and polls, join my TELEGRAM "Josh Tan Investment Official Group" here 
►‌ https://joshtan.link/telegram

👏 Meet Josh Tan On Instagram - https://www.instagram.com/joshconsultancy

*** Financial planning with Josh Tan as your advisor****
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If you are looking for a transformative change towards your retirement direction, ENGAGE Josh Tan on a fee for full retirement planning NOW ►‌ https://www.theastuteparent.com/josh-tan

Personally, I've limited slots for cases per week and am looking to for long term partnerships and making real impact, hence for all private clients, I start with a prequalifying call to help us all establish best mutual fit and if yes then a fee to commence engagement
ENGAGE JOSH TAN NOW ►‌ https://www.theastuteparent.com/josh-tan

***** Looking to invest today 🌟 *****

🌟  Open your tiger account now to get newsletters from JOSH TAN* & welcome rewards of UP to $1,000*
https://joshtan.link/tiger

🌟  Longbridge I've a special deal for you UP TO $1370*:
Open your account here today  ►‌ https://joshtan.link/longbridge

🌟 MooMoo I've a special deal for you UP TO $1864*
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***** Looking to learn investing 🌟  *****
Specially written by JOSH TAN!  Invest in your financial success here 
1) 28 Days to Financial Freedom ►‌ https://payhip.com/b/UqpKL
2) HOW TO $1m (Newest Edition) ►‌ https://payhip.com/b/q5Bln

►‌ Follow Josh Tan on Linkedin to read articles and connect professionally 
https://www.linkedin.com/in/josh-tan-jl/

To see updates and polls, join my TELEGRAM "Josh Tan Investment Official Group" here 
►‌ https://joshtan.link/telegram

👏 Meet Josh Tan On Instagram - https://www.instagram.com/joshconsultancy

Early retirement calculator to share with you 
►‌ https://www.theastuteparent.com/fire/

ENGAGE Josh Tan on a fee for full retirement planning NOW - Hear the IMPROVEMENTS you can make IMMEDIATELY!
►‌ https://www.theastuteparent.com/josh-tan

This story illustrates why some cannot retire or have the wrong retirement expectation while others can build consistently and can get to retirement.

*****
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1) 28 Days to Financial Freedom ►‌ https://payhip.com/b/UqpKL
2) HOW TO $1m (Newest Edition) ►‌ https://payhip.com/b/q5Bln

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►‌ joshtan.link/adviser

*****
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****
TO LEARN MORE, 4 SUGGESTIONS FOR YOU
►‌ Follow Josh Tan on Linkedin to read articles and connect professionally 
https://lnkd.in/gkfid5nG

►‌ NEW podcast channel "THE JOSH TAN PODCAST" On Personal Finance: 
https://joshtan.link/spotify

To see updates and polls, join my TELEGRAM "Josh Tan Investment Official Group" here 
►‌ https://joshtan.link/telegram

Meet Josh Tan On Instagram to see event update and fan meet pictures
►‌ https://www.instagram.com/joshconsultancy/

****
0:00 Story of squirrel retirement

2:04 Moral of story

3:43 Financial freedom not possible

4:22 30years needed

10:20 Investing to get $1.3m

12:34 Challenges to financial freedom

14:17 Josh Tan 5 level of financial freedom

We do not make any recommendations on whether a security is a buy/sell as every investor has different investment goals and risk profiles. The presentation of ideas from Josh Tan and TheAstuteParent are strictly for education purposes. You are advised to perform independent research yourself or seek a qualified financial adviser. We will not be liable for any losses directly or indirectly from the material. Some of the referral links in the video summary are products and services personally used by Josh Tan and they may pay an affiliate commission or referral bonus. 
It is not an endorsement of the product unless explicitly stated and we will not be liable for any losses. The content in this video and any promotions mentioned is accurate as of the posting date. 

*******

About Josh Tan:
Josh holds a degree in Accounting from NTU. In 2016, he co-founded the financial education website TheAstuteParent to provide detailed insurance plan analysis and financial planning tips.

As a ChFC Charterholder, Josh has agreed to be bounded by the ChFC®/S Code of Ethics. This includes, among others, acting in a professional manner when it comes to conducting due diligence on primary and secondary sources of investment-related data, and articulating his investment opinions based on his research and beliefs. Based on his research and analysis, he highlighted his beliefs and opinions, and illustrated the concept of time value of money, as of the time of the video.

ENGAGE Josh Tan on a fee for full retirement planning NOW - Hear the IMPROVEMENTS you can make IMMEDIATELY!
►‌ https://www.theastuteparent.com/josh-tan

If you are looking for a transformative change towards your retirement direction, ENGAGE Josh Tan on a fee for full retirement planning NOW ►‌ https://www.theastuteparent.com/josh-tan

Personally, I've limited slots for cases per week and am looking to for long term partnerships and making real impact, hence for all private clients, I start with a prequalifying call to help us all establish best mutual fit and if yes then a fee to commence engagement
ENGAGE JOSH TAN NOW ►‌ https://www.theastuteparent.com/josh-tan

***** Looking to invest today 🌟 *****

🌟  Open your tiger account now to get newsletters from JOSH TAN* & welcome rewards of UP to $1,000*
https://joshtan.link/tiger

🌟  Longbridge I've a special deal for you UP TO $1370*:
Open your account here today  ►‌ https://joshtan.link/longbridge

🌟 MooMoo I've a special deal for you UP TO $1864*
Open your account here today ►‌  https://joshtan.link/moomoo 
***** Looking to learn investing 🌟  *****
Specially written by JOSH TAN!  Invest in your financial success here 
1) 28 Days to Financial Freedom ►‌ https://payhip.com/b/UqpKL
2) HOW TO $1m (Newest Edition) ►‌ https://payhip.com/b/q5Bln

►‌ Follow Josh Tan on Linkedin to read articles and connect professionally 
https://www.linkedin.com/in/josh-tan-jl/

To see updates and polls, join my TELEGRAM "Josh Tan Investment Official Group" here 
►‌ https://joshtan.link/telegram

👏 Meet Josh Tan On Instagram - https://www.instagram.com/joshconsultancy

Early retirement calculator to share with you 
►‌ https://www.theastuteparent.com/fire/

Specially written by JOSH TAN!  Invest in your financial success here
1) 28 Days to Financial Freedom ►‌ https://payhip.com/b/UqpKL
2) HOW TO $1m (Newest Edition) ►‌ https://payhip.com/b/q5Bln

This video features a discussion between Josh Tan and Hwee Chong regarding retirement planning, specifically focusing on the role of the Central Provident Fund (CPF) in Singapore. The conversation emphasizes that while CPF is a useful tool, individuals should not obsess over it and should maintain a diversified portfolio of non-CPF assets.

Key takeaways from the discussion include:

• Retirement Planning Philosophy: Both speakers agree that CPF should only form a portion of one's retirement strategy. W Chong advocates for a balanced approach, incorporating liquid cash and equities (specifically global index funds) alongside CPF (0:08:14 - 0:09:55).
• The Case Against Over-optimizing CPF: A central theme is avoiding the temptation to "over-optimize" CPF contributions. W Chong argues that treating CPF as the sole vehicle for retirement can be risky, especially during periods of high inflation, and suggests that keeping liquidity (like the 400k buffer mentioned) allows for better financial flexibility (0:30:26 - 0:33:45).
• Investment Strategy: W Chong shares his personal strategy of using a bond or cash tent approach, keeping a significant buffer of cash to cover expenses between ages 55 and 65, while maintaining long-term growth through MSCI World Index funds (0:19:04 - 0:21:52).
• CPF Life and ERS (Enhanced Retirement Sum): The speakers discuss the pros and cons of topping up to the Enhanced Retirement Sum. W Chong highlights that while it is a stable annuity-like solution, it acts as an insurance product rather than a pure investment. He notes that for those with significant net worth, the opportunity cost (such as the estimated $150k gap at age 80 compared to self-investing at 4%) might be a consideration (0:14:43 - 0:17:35, 0:30:16 - 0:33:16).
• Flexibility in Retirement: Both emphasize that retirement planning is personal. They suggest using a flexible "bucket system" or common-sense approach rather than adhering to rigid rules, adapting as market conditions and life circumstances change (0:29:17 - 0:30:00, 0:39:57 - 0:41:09).

This video explores the sustainability of withdrawing 10% annually from a $1.2 million retirement portfolio invested in the S&P 500, concluding that such a high withdrawal rate poses significant risks. Josh Tan provides simulations to demonstrate how market volatility, particularly during the early stages of retirement, can jeopardize long-term financial security.

Key Takeaways:

• The Danger of High Withdrawal Rates (0:34 - 0:47): While a $1.2 million portfolio might seem sufficient to provide $10,000/month (10% annually), the math fails if the market experiences a downturn, as the principle shrinks too quickly to recover.
• The Impact of Sequence of Returns (1:03 - 4:41): Using the 2022 bear market as a case study, the video shows how a significant market drop early in retirement forces the portfolio to dwindle. Relying solely on a 10% withdrawal rate during such periods can lead to the exhaustion of funds within approximately 10 years (4:24 - 4:29).
• Diversification and Strategy (5:30 - 7:27): Simply hoping for market recoveries is not a sound strategy. Diversifying investments and maintaining emergency cash or fixed-income buffers are essential to avoid selling assets during market crashes.
• A More Sustainable Alternative (11:02 - 12:11): After testing various rates, the video identifies 6% as a much more sustainable annual withdrawal rate. This lower rate allows portfolios to weather major crises—such as the 2008 global financial crisis—and eventually recover their original value over time.

Final Conclusion:
For a $1.2 million nest egg, targeting a 6% withdrawal (approx. $72,000/year or $6,000/month) is presented as a far more reliable way to ensure your retirement savings last, regardless of market timing.

►‌ Follow Josh Tan on Linkedin to read articles and connect professionally
https://www.linkedin.com/in/josh-tan-jl/

To see updates and polls, join my TELEGRAM "Josh Tan Investment Official Group" here
►‌ https://joshtan.link/telegram

👏 Meet Josh Tan On Instagram - https://www.instagram.com/joshconsultancy

In this video, Josh Tan shares five dividend-paying investment ideas in Singapore for 2026, specifically excluding banks to focus on lesser-known or potentially undervalued opportunities. Here is a summary of the stocks discussed:

1. Ascendas Reit (0:26 - 2:56): A well-known industrial REIT currently experiencing a share price correction of approximately 15% following a rights issue for acquisitions, including a Japanese data center. It offers an estimated yield in excess of 6%.
2. Lendlease Global Commercial REIT (2:57 - 5:20): Transitioning into a Singapore retail-focused REIT, it includes properties like GEM and PLQ Mall. It currently offers a dividend yield of approximately 6.3%.
3. Samudera Shipping (5:21 - 9:16): A shipping services provider benefiting from increased demand and freight rates. Despite being cyclical, it has a strong cash position and offers a dividend yield of around 7%.
4. PropNex (9:29 - 12:51): A real estate agency business. While facing some headwinds due to a forecasted decrease in new launches for 2026, the company expects growth from the HDB resale market. It maintains a dividend yield of about 5.2%.
5. UOL Group (12:52 - 15:26): A property developer currently trading at a significant discount to its revised net asset value (RNAV). With a robust pipeline of upcoming projects, it offers a dividend yield of approximately 1.8% to 2%.

Disclaimer: Josh Tan emphasizes that these are not formal recommendations. Investors should perform their own due diligence, evaluate business operations, and not rely solely on dividend yields.

If you are looking for a transformative change towards your retirement direction, ENGAGE Josh Tan on a fee for full retirement planning NOW ►‌ https://www.theastuteparent.com/josh-tan

Personally, I've limited slots for cases per week and am looking to for long term partnerships and making real impact, hence for all private clients, I start with a prequalifying call to help us all establish best mutual fit and if yes then a fee to commence engagement
ENGAGE JOSH TAN NOW ►‌ https://www.theastuteparent.com/josh-tan

***** Looking to invest today 🌟 *****

🌟 MooMoo I've a special deal for you UP TO $1864
Open your account here today ►‌  https://joshtan.link/moomoo 

🌟  Longbridge I've a special deal for you UP TO $1370*:
Open your account here today  ►‌ https://joshtan.link/longbridge

***** Looking to learn investing 🌟  *****
Specially written by JOSH TAN!  Invest in your financial success here 
1) 28 Days to Financial Freedom ►‌ https://payhip.com/b/UqpKL
2) HOW TO $1m (Newest Edition) ►‌ https://payhip.com/b/q5Bln

►‌ Follow Josh Tan on Linkedin to read articles and connect professionally 
https://lnkd.in/gkfid5nG

To see updates and polls, join my TELEGRAM "Josh Tan Investment Official Group" here 
►‌ https://joshtan.link/telegram

👏 Meet Josh Tan On Instagram - https://www.instagram.com/joshconsultancy

Early retirement calculator to share with you 
►‌ https://www.theastuteparent.com/fire/

If you are looking for a transformative change towards your retirement direction, ENGAGE Josh Tan on a fee for full retirement planning NOW ►‌ https://www.theastuteparent.com/josh-tan

Personally, I've limited slots for cases per week and am looking to for long term partnerships and making real impact, hence for all private clients, I start with a prequalifying call to help us all establish best mutual fit and if yes then a fee to commence engagement
ENGAGE JOSH TAN NOW ►‌ https://www.theastuteparent.com/josh-tan

***** Looking to invest today 🌟 *****

🌟 MooMoo I've a special deal for you UP TO $1864
Open your account here today ►‌  https://joshtan.link/moomoo 

🌟  Longbridge I've a special deal for you UP TO $1370*:
Open your account here today  ►‌ https://joshtan.link/longbridge

***** Looking to learn investing 🌟  *****
Specially written by JOSH TAN!  Invest in your financial success here 
1) 28 Days to Financial Freedom ►‌ https://payhip.com/b/UqpKL
2) HOW TO $1m (Newest Edition) ►‌ https://payhip.com/b/q5Bln

►‌ Follow Josh Tan on Linkedin to read articles and connect professionally 
https://lnkd.in/gkfid5nG

To see updates and polls, join my TELEGRAM "Josh Tan Investment Official Group" here 
►‌ https://joshtan.link/telegram

👏 Meet Josh Tan On Instagram - https://www.instagram.com/joshconsultancy

Early retirement calculator to share with you 
►‌ https://www.theastuteparent.com/fire/

If you are looking for a transformative change towards your retirement direction, ENGAGE Josh Tan on a fee for full retirement planning NOW ►‌ https://www.theastuteparent.com/josh-tan

Personally, I've limited slots for cases per week and am looking to for long term partnerships and making real impact, hence for all private clients, I start with a prequalifying call to help us all establish best mutual fit and if yes then a fee to commence engagement
ENGAGE JOSH TAN NOW ►‌ https://www.theastuteparent.com/josh-tan

***** Looking to invest today 🌟 *****

🌟 MooMoo I've a special deal for you UP TO $1864
Open your account here today ►‌  https://joshtan.link/moomoo 

🌟  Longbridge I've a special deal for you UP TO $1370*:
Open your account here today  ►‌ https://joshtan.link/longbridge

***** Looking to learn investing 🌟  *****
Specially written by JOSH TAN!  Invest in your financial success here 
1) 28 Days to Financial Freedom ►‌ https://payhip.com/b/UqpKL
2) HOW TO $1m (Newest Edition) ►‌ https://payhip.com/b/q5Bln

►‌ Follow Josh Tan on Linkedin to read articles and connect professionally 
https://lnkd.in/gkfid5nG

To see updates and polls, join my TELEGRAM "Josh Tan Investment Official Group" here 
►‌ https://joshtan.link/telegram

👏 Meet Josh Tan On Instagram - https://www.instagram.com/joshconsultancy

Early retirement calculator to share with you 
►‌ https://www.theastuteparent.com/fire/