We have got all your bases covered by offering a comprehensive range of products and services, from personal financial goals to business financial objectives. You can be assured that your needs will be met by our customised plan and personalised service. Our quality advice and services include, but is not limited to the following areas:

Personal Financial Advisory

Your dreams and aspirations require planning and saving. It’s important that you have the right plans to build your wealth by making your money work harder for you

✔ Young singles, married without kids, married with kids

Life is full of uncertainties. To safeguard you and your loved ones’ future, you need to prioritise your planning for adequate protection

✔ Young singles, married without kids, married with kids

With longer life expectancy and the ever-increasing cost of medical treatments, you need to ensure protect your wealth by having sufficient medical coverage

✔ Young singles, married without kids, married with kids

With careful planning, you can leave a legacy that will ensure your family’s future. Enhance your wealth and create an immediate estate that can last generations

✔ Working adults

Cost of education is always rising and it’s important to plan for your children tertiary education early. This is even more especially if you plan to send them to studies abroad

✔ For parents with young children

The CPFIS is the scheme that give CPF members more options in investing their CPF savings.  There are many types of investment choices available to suit different investment objectives and the main goal of the scheme is to help enhance your retirement savings

✔ Working adult, apply to those who have been working for a while (when there’s enough money in CPF account to invest).

The different forms of general insurance are fire, marine, motor, accident and other miscellaneous non-life insurance

✔ Working adult, home owner, car owner, traveller

Inflation is a real thing and what it does is slowly erode your purchasing power if you do not do anything about it and park all your money in the bank. You need to ensure that your funds is working harder for you to earn a rate of returns that is higher than the inflation rate to achieve real growth

✔ Working adults, apply to those who have been working for a while

It’s never too early to plan for retirement. Retirement is a long journey and it’s vital to set aside sufficient funds for this purpose. 

✔ Working adult, apply to those who just started working, or have been working for a while

Risk management is intended to provide financial security through the use of financial strategies, tools and services. These are used in the attempt to mitigate large financial losses if and when they occur. A comprehensive risk management strategy will include the consideration of personal, property and liability risks

Personal risk management includes the potential loss of income due to injury, poor health and unemployment. Property risks includes the potential loss of value of assets due to fire, hurricanes, negligence and other uncontrollable events. Finally, liability risks include situations such as lawsuits and damage to other’s property or person due to negligence

✔ Working adults

Corporate Financial Advisory

Key person protection ensures your company is financially secured in the event that a key director or employee falls seriously ill or passes away. The implications of the loss of a crucial staff member can be wide-ranging and may include a depletion of profits, a significant reduction in capacity, the loss of key clients and in some cases and the inability to offer a key product or service

✔ SMEs to MNCs

A business succession plan can ensure smooth transition of ownership and management of a business in the event of the retirement, death or disability of one of the partners. Without a plan in place, these situations can potentially lead to an interruption or forced sale of the business

✔ SMEs to MNCs

Cash reserves are vital to companies in emergency situations. The reserve holds money that a business can use when unexpected costs come up. Calculating company revenue and subtracting expenses gives companies the amount per month they need to cover themselves

✔ SMEs to MNCs

Corporate investment simply describes a way for companies to leverage and utilise capital that may be lying unused in bank deposit accounts. This can be of great use to companies looking to simplify the administration of existing policies, those who want to change their previous risk profile or simply make better use of their assets

✔ SMEs to MNCs

A corporate pension plan is a formal arrangement between a company and its employees – or the employees’ union – that provides funding for the employees’ retirement. This pool of funds can be financed in several ways and will eventually be used to make periodic payments to retired employees. In most cases, both employer and employees make regular contributions to the plan

✔ SMEs to MNCs

Corporate risk management refers to all of the methods that a company uses to minimize financial losses. Risk managers, executives, line managers and middle managers, as well as all employees, perform practices to prevent loss exposure through internal controls of people and technologies. Risk management also relates to external threats to a corporation, such as the fluctuations in the financial market that affect its financial assets

✔ SMEs to MNCs

We are proud to support businesses that value their employees and the important role they play in their ongoing success. Working alongside your organisation we’re able to assist with the development of employee benefit schemes, that work for everybody. Helping you and your business to not only retain your best employees but attract new members of staff ahead of your rivals

✔ SMEs to MNCs

Mortgage Financial Advisory

We know Singapore home buyers are always faced with the dilemma of choosing between a bank loan or a HDB loan. In the decision-making cycle multiple considerations come into play.

HDB home buyers who are risk-averse usually tend to get a HDB mortgage. Why? For what? Since HDB is seen as lenienter on repayments with the lower downpayment at 10%. Although interest rates for bank loans fluctuate, they are typically lower than the interest rate of 2.6% for HDB, while providing more options for home buyers to choose from. Banks offered fixed or floating interest-rate home loan packages. What’s more, all you need is a good credit score.

✔ New homeowners, Homeowners who wants to switch from HDB loan to Bank loan

When it comes to HDB loan refinancing, there are two possible scenarios. You’re either switching from one bank to another bank, or converting an HDB loan package to a bank loan package. If you’re doing the latter, do know that once you opt out of your existing HDB home loan, you won’t be able to refinance with HDB anymore. Decide wisely and make sure that you’re refinancing to lower your home loan interest rate. To refinance your HDB loan, you can approach us for the best home loan rates from our financial partners

Private property refinancing must go through banks or other financial institutions. Evidently, HDB concessionary loan doesn’t apply here. So if you’re planning to refinance your private property soon, check and compare mortgage rates through us. We have a comprehensive list of home loan packages to help you save on interest rates.

✔ New private homeowners, Existing homeowners on bank home mortgage loans

The SME Micro Loan is a government assisted financing scheme to help local SMEs access financing.
Enterprise Singapore will provide risk sharing with participating banks & financial institutions to assist SMEs with financing.

Access up to $100K working capital to grow your business. The SME Micro Loan can be used to manage daily operations and cashflow.

There are up to 10 financial institutions participating in this scheme. Credit criteria & interest rates vary across the banks. We can provide your company a direct comparison on all banks SME Micro Loan rates and eligibility terms

Secure the funding you require to expand and scale your business to the next level.
Get a free loan assessment & access to all banks Micro Loan options now, fast and hassle free.

✔ New business owner, Existing business owner

The SME Working Capital Loan is a government assisted financing scheme under the Enterprise Financing Scheme. The enhanced scheme announced in the Solidarity Budget helps eligible SMEs access financing till March 2021.

Under the new Enhanced SME Working Capital Loan, access up to $1M working capital to finance cash flow needs. Enterprise Singapore partners with participating financial institutions with up to 90% risk sharing.

There are 14 financial institutions participating in this scheme. Credit criteria & interest rates vary across the banks. We can provide your company with a direct comparison on all banks SME Working Capital Loan rates and eligibility terms.

Secure the funding you require under the SME Working Capital Loan to expand and scale your business. Get a free loan assessment & compare all banks financing options now, fast and hassle free.

✔ New business owner, Existing business owner

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