AIA - The Real Life Company

For almost a century, AIA as The Real Life Company has served the ever-changing needs of millions of people all across the Asia-Pacific region

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It’s never too late to start retirement planning

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The best time to start is now (if you haven’t already done so) Many experts advise us to start retirement planning as early as possible to enjoy the longest possible runway and the advantages of compounding interest. While that is good advice, it doesn’t have to trigger the panic button even if you have not done so and find yourself middle-aged or beyond. Based on my experience helping clients achieve their retirement dreams in my two-decade long career, I know it’s never too late to start because there is always room to plan ahead for tomorrow. By starting later, you need to climb a steeper slope to reach your goal. However, late starters may be in a stronger financial position, such as having accumulated a bigger savings account that can accelerate their returns. Some may have finished paying off their home or other major loans, leaving them debt-free. In my previous article on retirement planning, I touched upon the 3 progressive phases of retirement, namely Active, Relax and Steady...
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Planning for a Baby? Here is how much you roughly need

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When our firstborn son was just shy of two years old, he was struck with a high fever in the middle of the night. Even as inexperienced young parents, my wife and I knew he needed immediate medical care. As we scrambled to prepare to bring him to A&E, I remember my wife asking me which hospital we should take our son to. She was mindful of the high cost of hospitalisation. As it turned out, he had to be warded for two days and the medical bill came up to a whopping S$5,000! Thankfully, everything was covered by the insurance company as we had bought hospitalisation insurance for the whole family. It certainly was one worry less for this pair of jittery young parents at the time. Financial planning for parenthood isn’t just about budgeting for the big and obvious things like pregnancy cost, medical care, education and enrichment classes. It is also about being ready for the little things that crop up along the way. It’s about being financially resilient as a family unit. There are o...
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Age Is Just a Number: How to Stay Forever Young

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Exercise, good financial planning, & healthy mental habits are the key to healthy ageing according to this 85-yr-old Mr Palanisamy Ramadas was born in 1929, the year of the Great Depression. He was 16 when World War II ended, and 36 when Singapore was founded. If you're picturing him as a frail elderly, you couldn't be more wrong. This 85-year old will see you at the gym... or on Twitter. As a young lad milking the family cows in now-Malaysia, Mr Palanisamy Ramadas, now 85, probably didn’t imagine the long life he had ahead of him. His story in a nutshell: He came to Singapore in the early 1950s and started out as a nurse. Became a nursing administrator after pursuing further studies overseas. Got married, had four children, but became a widower nearly 25 years ago after his wife passed away in a car accident in which he was also involved. Having experienced such a tragedy, he could be excused for choosing to live in the past, but the man is focused on the present. His memo...
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