The Josh Tan Podcast!

Today's case study is about a 30yo couple and husband has just gotten a pay raise from a new job. However, there seems to be unhappiness about how to share the household expenses moving forward and there is tension as to whether or not to upgrade from HDB to a condo. 0:00 Introduction Married with 1 kid and another on the way 1:00 Couples comparing income 2:00 Details of new husband pay of $1...

Today's case study is on someone who had a portfolio of about $1.3m in Jan22. She was intending to quit in 2022 for early retirement or at least a sabbatical. But right now, the portfolio has dropped to $975k only. Should she still quit? Should she sell some of her portfolio? ✅ ONLINE INVESTMENT COURSE AT JOSH TAN ACADEMY ► Follow this link - https://jtinvestacademy.thinkific.com/courses/inv...

0:00 Introduction 1:27 Gradual investing What to look out for if you are not familiar or confident How to properly invest and not buy too many stocks or funds. 3:04 Should they pay off mortgage What is good debt and bad debt 4:14 Singapore savings bond  June2022 rates are at 2.71% for 10y average 6:24 Why some older folks swear off investing? 6:48 Why some people swear by property? #investing #ssb...

Case study is on a family with guy aged 45 and wife is 40. There are bills to pay and they can't save anything per month. With inflation rising, he is concerned about their retirement. - 3 children between the ages of 3 to 10 years old - Living in a resale 5 rm HDB in Clementi that is fully paid and own a Japanese car.  - Although CPFOA is below 30k each, they manage to just hit the min sim o...

I visited Melaka recently and it was our first overseas holiday since covid broke out. Melaka condos have seen a BIG drop in prices. Melaka malls are seeing poor occupancy, all the money changers I know of have closed shop and tourism is only just recovering. Today, you'd hear tips on what to look out for if you're travelling there too. Next, we'd discuss on the topic of MONEY. Mone...

0:00 Introduction 0:47 Case notes How to understand insurance coverage needed Why 15% saved up is concerning. Habits that impact how much is saved 5:09 How to and why need to stretch every dollar  With second kid, expenses will rise further 6:32 Fixed deposits approach? It signals a scarcity mindset. The savings can be in Singapore Savings bond, cpf or repaying off loan 8:39 Stock investing Invest...

I'm also working towards my own financial freedom journey. That is why I look at my bank account transfers and credit card expenses periodically. 0:00 Introduction Cash is like having soldiers. Are they useful or just idling in camp? 1:00 My own bank account statement Why I've even increased my allocation to China tech equities How I dollar cost average into GEMINI now for ETHEREUM. My p...

There has been a new record set for a HDB which is a fresh 5y unit at Henderson (redhill) which went for $1.4m!  If you are a young couple seeing new record numbers every day, how should you handle your FOMO?  What kind of marketing messages should you prepare yourself for? I'd share with you my journey and also talk about 1) Where are the big gains from and choosing the right HDB ownership s...

Today's case study is someone with $7,200/m income but has not saved up much yet. There are goals coming up soon such as marriage and possibly migration.  Question: I have little to no savings but I am looking to get married in 2-3 years time and migrate overseas to where my fiancé is.  My fiancé on the other hand had just switched career and thus doesn’t have much money.  I recognise that we...

Fresh grad in finance earning about $100,000 annually.  New to investing and has started small amounts of less than $3k into robo portfolio and crypto.  Will be looking to buy HDB BTO to save cost but is concerned about development time and opportunity cost of waiting. Thinking whether condo or hdb is better? Planning to have kids in 5years and hoping to build to $1m in 10years! More info from cas...

emb marine merges with Keppel Corp and will form a new entity Refer to previous tutorial KEPPEL CORP SHARES, IS IT A BUY NOW? 🔥 MAY MERGE WITH SEMBCORP MARINE! https://youtu.be/v5bDZYGkJ_E iFAST Q12022 Previous tutorial https://youtu.be/7f9IysYT8gM WHY iFAST SHARE PRICE DOWN? 😱 But Will iFAST Win Malaysian Digital Bank? APAC REALTY APAC Realty will see new majority owners who bought in at ONLY 6...

First case study today is from The Simple Sum Story goes like this – Lady who likes to knit. She can do very nice sweaters and stuff. She was orignially knitting to create gifts: knitting was a way to reduce stress Soon people asked if they could buy Once she started selling, she realised the stress of running a business. There are complaints and deadlines to meet which are unpleasant.  Soon she c...

She needs some personal space and needs a place to call home. Should she spend on rent to get that? But wouldn't that set her back a year or 2 from buying her own flat? We would discuss on rules of buying property for single in Singapore. Case background - Currently aged24 this year, just started working recently with an income of $3400/m - After cpf, take home of around $2,700/m and with tui...

Guy age30 aiming to be a millionaire by age50. Current annual income is around $40k. Housing? Staying with parents currently but may want to buy property at age35 or if married then. Savings rate? Investing at least 50% which is at least $1,300/m. Is tracking personal growth closely. Has emergency cash saved up. Insurance? Health, accident and life insurance more than $150/m – Thinking of changing...

Today we'd discuss on a case where a family of 4 in Singapore with household income $100k. They are still able to save but does not seem to be building wealth fast enough. I'm concerned that at saving pace, the couple may not build enough for retirement. Case study: combined $6,000/m take home income - $1,900/m fixed expenses - $500/m childcare - $600/m into health insurance and wholelif...

Decisive move to live with Covid! Really? Are we ready? Many are angling to meet up with friends and families in groups of 10. It could be a restaurant or a small party. This has implication to restaurants, malls, events companies etc. Today, we'd discuss them. Another sector worth exploring is the travel sector. Are they due for a revival? #covid19 #singapore #singaporecovid19 #travelindustr...

Goldman Sachs forecasted a 20-35% odds of a recession in US. Is it cause for your concerns? What about FED raising rates by 25bps. And forecasted to raise it all the way to 2%. What should you do and what should you take note of? #interestrate #fed #fedhike #recession #inflation Video to leave your comments https://youtu.be/nwr3DtPKKM8 Support the show

I was once a critique of 1m65 but I've changed my view along the years as it is indeed a predictable path to building wealth. Today, I interviewed Mr Loo Cheng Chuan who runs 1M65 and 4m65 and asked him his perspective on a few financial topic such as the power of compounding, CPF limits and retirement planning mistakes. 0:00 Introduction 2:24 Q1 How do you teach your kids about money when th...

Lisa from Lisa Adulting is a young working adult and the sole breadwinner for her family. Find out her journey in adulting as well as key points in budgeting. These include 50 30 20 rule that young adults can adopt. Earning, saving and investing are crucial to succeed financial and hear my take on how I'd do things differently. Video : How I Live on a $3200 Monthly Salary in Singapore | Budge...

Today we have a question from a fan who has a fully paid HDB maisonette. Should they sell to kid and cash out from retirement? Are there other ways to generate money for retirement? Any suggestions here are for education and entertainment purposes and does not constitute personal advice. Q&A for any questions you may have  - Should you sell your home? - What to do on retirement cash? - How to...

I've upgraded the seriousness of this Russia war in a latest video on the main channel. Today is a Q&A for any questions you may have  - Should you invest now? - What to buy? - What is my opinion of this war? Leave them in the comments sections replay or live! As always this is NOT investment advice and information presented are to the best of my ability. We will start the video with a qu...