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Hi Yan Jun. Thank you for explaining. I have a question. After 55 years old and the full retirement sum being met, where will the interest rate accumulate from the retirement account go?

from cradle to grave.WOW likely incinerator .

The sudden closing of the CPF Special accounts is painful for those already in retirement and relying on the interest for everyday spending...it was done too light heartedly

Pleiadian 8D 777 ✨🤍✨, [Oct 17, 2024 at 1:54 PM] US Supreme Court ruling: Covid vaccines are NOT vaccines. Robert F. Kennedy Jr. won his lawsuit against all pharmaceutical lobbyists. Covid-19 vaccines are NOT vaccines. In its decision, the Supreme Court confirms that the damage caused by Covid mRNA gene therapies is IRREPARABLE. Since the Supreme Court is the highest court in the United States, there are no further appeals and all avenues of appeal have been exhausted. In a statement, Robert F. Kennedy stressed that this success was only possible thanks to the international cooperation of a large number of lawyers and scientists. Of course, this ruling sets an international precedent. Especially in Switzerland this ruling should have an impact, because Switzerland has a special position with its federal constitution. On the one hand, it is listed in the Nuremberg Code in Article 118b of the Constitution and in Switzerland the misuse of genetic engineering on humans is prohibited according to Article 119 of the Federal Constitution. This is supplemented by Article 230bis of their Criminal Code and this means that perpetrators RISK spending up to 10 years in prison. However, this historic ruling should also give pause to the rest of the world, because the Nuremberg Code is internationally valid and is also contained in Article 7 of the International Covenant on Civil and Political Rights. In the case of criminal charges, the Declaration should refer to the Contergan scandal to give special weight to the importance of such charges or accusations. In these cases, the German lawyer Rainer Füllmich and more than 100 other German lawyers are actively involved. NO media outlet is TALKING about it, neither in Switzerland nor in Europe. Unfortunately, it is almost mathematical that, being a disruptive issue capable of upsetting the financial and economic plans of the powerful PHARMACEUTICAL LOBBIES, public opinion is not informed. We are in the middle of a promotional campaign aimed at inciting people to get vaccinated and then get vaccinated again, in view of the coming winter. It is very likely that if news of the historic ruling ever circulates, it will do so late to allow the corrupt medical class, aligned with the positions of the pharmaceutical lobbies, to advance as far as possible with the vaccination campaign. LET US therefore INVITE all honest and well-intentioned people to give maximum publicity to this historic ruling of the Supreme Court of the United States. For our own good, but above all for the good of our children and grandchildren... Let us not allow the lobbyists to irremediably ruin our health and endanger our lives. LET US PROMOTE REBELLION AGAINST THE DIRTY AND UNPUNISHED DEATH BUSINESS. You can see the news at the following link: www.foxnews.com/us/new-york-supreme-court-reinstates-all-employees-fired-being-unvaccinated-orders-backpay *THE COVID "VACCINES"... ARE NOT VACCINES... PROVEN* 🐀🐀🤮🤮💩💩

The problem is CPF policies should be explained with more graphics and illustration and not with so many text!! Big failure!

There is no need for the cameraman to "follow" him with the camera. It is ok for the speaker to move left and right slightly. The movement of your camera caused dizziness. Please note.

Is this guy's parents well connected for him to get such a job? My politcally correct answer is i dont know

Something so complexified can be a good thing ? Designers and engineers have their answers. But to be honest at the level of political correctness, i must say, the deputy is a genius for coming up such a great policy

Willms Cliff

Schroeder Prairie

No need lah ERS just full will do.

how many ppl actually caught taking buffet syndrome or abusing insurance? ownself miscalculate premiums but still want push blame to consumers?

the way to go for miles is to do the "churn" for sign on bonuses. if you do the churn for 6 cards annually,you can probably get around 200k miles pa. Do this over 10 years with 3 months buffer for the traditional 12 month "New to Bank" crap, you probably can get 200k miles x 120miles/15 = 1.6milliom miles over 10 years.

In a panel discussion on "The Psychology of Great Investors," moderated by Justin, Christopher FZ and James OE shared their insights on managing psychological aspects in investing. Here are the key highlights, including quantitative data, statistics, and trends: Introduction of Panelists: Christopher FZ: Former trader at Goldman Sachs and Morgan Stanley, now focused on building CMC Invest platforms in Singapore. Has been in Singapore for about 11 years. James OE: Market strategist at Tiger Broker Singapore and SGS academic speaker. Emphasized his strong belief in the US equity market, managing a successful US equity portfolio with a notable long-term performance. Traits of Great Investors: James: Highlighted Warren Buffett and Terry Smith as exemplars of the "buy and hold" strategy. Mentioned that a successful buy-and-hold investor should be able to hold stocks with over 100% profit to benefit from compounding returns. Cited Terry Smith's portfolio turnover ratio of 11%, emphasizing low turnover as a common trait among successful investors. Christopher: Stressed the importance of a disciplined process, managing emotions, and maintaining humility. Referenced investors like Stanley Druckenmiller, Jim Rogers, Peter Lynch, and George Soros, who have historically achieved around 20% compounded annual growth rate (CAGR). Investment Methodologies: Successful investors' strategies: James mentioned the importance of long-term holding and low portfolio turnover, with a turnover ratio of less than 30% being ideal. Peter Lynch, known for a high portfolio turnover ratio of 200-300%, managed to outperform due to his extensive market monitoring, a challenging feat for retail investors. Christopher: Emphasized having a clear investment process, controlling losses, and avoiding impulsive decisions. Behavioral Biases: Herd mentality: Investors often follow others without proper research, leading to poor investment decisions. Anchoring bias: Investors fixate on initial impressions, like a stock's previous high price, without considering current valuation and fundamentals. FOMO (Fear of Missing Out): James: Believes FOMO can be positive if it motivates thorough research and timely decision-making. Stressed the importance of evaluating a stock's intrinsic value, even if it’s at an all-time high, to avoid missing potential growth. Christopher: Advocated for diligent research and understanding market cycles. Warned against conflating personal beliefs with market realities, advising investors to remain humble and objective. Handling Losses: James: Suggested cutting losses when there's a fundamental disruption in a company's long-term prospects or when a better investment opportunity arises. Christopher: Strongly recommended using stop-loss orders to prevent permanent capital loss. Encouraged investors to learn technical analysis to set effective stop-loss levels and mitigate risks. Final Advice: James: Recommended diversification, suggesting holding at least 15 stocks and not overexposing any single stock to more than 15% of the portfolio. Cited Nvidia's 10-year annualized return of 79% but highlighted its significant drawdowns, stressing the importance of understanding risk. Christopher: Emphasized building wealth slowly, comparing it to a staircase rather than an elevator. Advocated for understanding the intrinsic value of businesses and avoiding the chase for high short-term returns. The panel underscored the critical role of psychological discipline, thorough research, and strategic planning in successful investing, supported by quantitative evidence and historical performance data.

YJ - A question for you Q. at 54 yo an illiquid OA account pays us 2.5% while at 55 yo a fully liquid OA account also pays us 2.5%. In this case, shouldnt the illiquid cpf OA prior to 55 yo pay more than 2.5% interest?

OMG, you tubers as guests of honour. Are SG short of talents. I switch off immediately.

jacket looks too big for kelvin

Very insightful especially the part on using eva air miles to claim for sq award flight.

From 2009 till 2022, total interest that I received from my 3 cpf accounts were more than 200k.😊

Very funny, not heard those jokes. Hahaha

Yan Jun seemed so relatable and amicable even though he is of such a high position. Would hope to learn more about the insights on the policy change and how its supposed to benefit us.

Cpf 万岁

As long as unfair corrupt practices continue to be tackled, taxes are ok. As long as individuals think 'me, me, me' rather than 'we, we, we', most policy decisions are not good to oneself.

'promo sm' ✌️

Disappointing audience

There is an annual limit for sa account $102k

It is educational, but quite a bitter pill to swollen . The process is slow and consume a big chunk of youngsters income

BTOs are still the better choice: modern & better designed layouts, completely new and clean, typically cheaper and heavily subsidised, almost guaranteed capital appreciation. Whereas resales are expensive and risky.

Promo sm

U commented wrong lyrics PE ratio. It is not - the higher PE ratio, the better it is

30mins of complete propaganda BS. Housing in Singapore is 1. Unaffordable 2. A contractual hostage to your marriage 3. Need to wait for 5-6 years 4. A revenue stream for the Govt 5. The house is not even yours

my country don't have HDB and BTO ..

Minister Ong, you got to repeat this important message that internship is only meant to have one as many times as possible, in as many occasions as possible.

Josh is more than a youtuber. he is a licensed adviser. certainly learnt a lot from him.

Bto will kill off alot of cpf accounts

Me Loo, MA can only be topped up with cash

is he saying bond market leads stock market? and convention, stock market leads economy, so by infererance, bond market is better indicator of economy health?

The crowd is so cold. Never give him a good response when he asked for it lol

the journey to 1M65 or 1M45 will be a lot easier if OA gives a fair long term interest of 3.5% - 4%.... the problem with cpf is that it pays 2.5% to hold my money for 30-40 years.... dont talk about "up to" 3.5%.. a question to ask will be what is the US 30 year bond paying for the past 30 years.

How to topup SA when it shows its max cap??

Very noisy cannot hear

Very noisy

Great discussion

Any way to remove the background noise?

Why use singlish to a young crowd?

The background is so noisy. A bit hard to hear.

plot twist: imagine in he put the money into the S&P instead, 10m65

Don't top up your Medisave account so much as the Government doesn't allow you to pay your full bills with it.

Kevin,Tay Ck entered the chat....

"There is never a good time to raise taxes". By this statement, does it justify raising taxes at anytime?😅