The above image is a recent conversation with a fellow financial adviser which reminded me why independent financial advisory matters … More
Category: About Kim Heng
Dollar-Cost-Averaging vs Bottom Fishing
Dollar-Cost-Averaging(DCA) and Bottom Fishing(BF) are two investment strategies that are often debated. Let’s do a back-testing simulation to look at … More
Integrated Shield Plan Changes 2026: What It Means for Your Wallet
Over the past few weeks, the table as shown above comparing premium changes across insurers has been widely shared on … More
Where Fire Ends, the Phoenix Begins
It is the 15th of February 2026, two days before Chinese New Year, the single busiest season for anyone selling … More
Love, Money & “Forever”: A Valentine’s Day Guide to Financial Planning
Valentine’s Day is all about hearts, flowers, and promises. But beyond the chocolates and candlelight, there’s another kind of romance … More
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