Money Management

Are you confident that your retirement plan — and what happens to your assets after — is properly set up? Many working adults focus on growing wealth but overlook retirement structure and estate planning, only to realise too late that: * Their retirement income may not last * CPF, insurance, and investments are not coordinated * Assets may not be distributed according to their wishes * Family members may face unnecessary delays, taxes, or disputes This session is designed to help you understand the big picture of retirement and estate planning in a simple, practical, Singapore-specific way. What We’ll Cover 1️⃣ Retirement Planning Fundamentals * What retirement really means (income, not just savings) * How long your money needs to last * Common retirement planning mistakes in Singapore 2️⃣ CPF & Retirement * CPF LIFE: how it works and what it covers * CPF vs savings vs investments — how they work together * When CPF is sufficient, and when it’s not 3️⃣ Building Retirement Income * Income from investments vs supplementary payouts vs CPF * Protecting retirement income from inflation * The role of insurance in retirement (what’s useful, what’s not) 4️⃣ Estate Planning Basics * What happens if you don’t have a will * Will vs CPF nomination vs insurance nomination * LPA (Lasting Power of Attorney): why it matters * Avoiding family conflict and unnecessary legal issues 5️⃣ Putting It All Together * Aligning retirement planning with estate planning * Simple framework to organise your finances and legacy * What to prioritise at different life stages Who Should Attend * Working adults planning for long-term financial security * Those aged 30–60 who want clarity on retirement * Anyone with CPF, investments, insurance, or dependents * People who want to protect both wealth and family No prior financial knowledge required Format * Educational & discussion-based * Practical examples (Singapore context) * Q&A at the end No hard selling. No pressure. The goal is education and clarity. About the Host Smart Money SG, a community focused on helping everyday Singaporeans understand money, protection, and long-term planning in a practical, unbiased way.

Financial concepts can be complex and daunting but it doesn't have to always be that way. These cards break down key concepts into bite-sized knowledge for people all ages and life stages. ***If you are interested in tarot cards to unlock the secrets of the universe in your life, why not unlock the secrets to your financial future with Adviser Cards?*** **Sign up [here](https://calendly.com/travistjy/30min) and choose your preferred slot for a complimentary session today!**

iDo you want to become fitter? Ready to go out and push yourself? This session is an all round program, targeting all muscle groups in your body. Our fitness instructors are creating new and engaging programs for every session with the main focus on body weight exercises and cardio. Whether you are a seasoned athlete or a complete newcomer, this program is suitable for everybody. Are you up for the challenge? Then join the German Dragons Bootcamp! * WHAT to bring: - comfortable sports attire with running shoes - Water - Yoga mat or Towel - Book via: https://germandragonssingaporeevents.cococart.co $10 for participation fee.

**\*\* Registration is accepted through our website only.** ➡️ https://shearwaterasia.com/events/ai-powered-financial-planning-key-to-empower-fpa-in-2026-beyond Is Your FP&A Ready for 2026? Step into the new year with AI-powered planning that drives faster, cleaner, and smarter decision-making. By leveraging modern tools, you can unify data, eliminate manual errors, and speed up forecasting to ensure your team stays ahead. 🚀 ### **Event Agenda 📅** * **09:30 AM**: Registration & Opening * **10:00 AM**: Company Intro & Remarks by Workday * **10:15 AM**: **Keynote** \| AI\-Powered FP&A in 2026 & Beyond * **11:15 AM**: Live Demo: Workday Adaptive Planning * **12:00 PM**: Q&A Session * **12:30 PM**: Lunch & Networking ### **Key Takeaways 💡** * **Integrated Evolution**: Break down silos between finance, IT, and operations. * **Scalable Planning**: Move toward continuous forecasting and rapid scenario modeling. * **Strategic Resilience**: Reduce dependence on spreadsheets and IT for complex analytics. * **Error Prevention**: Use AI-driven anomaly detection to safeguard data integrity. * **AI Agents**: Experience conversational interfaces that simplify data retrieval. * **Real-World Success**: Hear how organizations transform fragmented workflows into streamlined strategies. * **Future-Ready Skills**: Build the AI fluency your team needs to lead in 2026. **📅 Date:** Tuesday\, 20 Jan 2026 \| 9:30 AM – 2:00 PM \(SGT\) **📍Location:** QT Singapore, 35 Robinson Rd, Singapore 068876 Plan smarter and budget confidently. **Register today via our website to secure your spot!** ➡️ https://shearwaterasia.com/events/ai-powered-financial-planning-key-to-empower-fpa-in-2026-beyond

Whether you are looking to buy your first home or considering investing in real estate properties, this meetup is perfect for beginners in real estate investing. Book Coach Douglas for an informative session on the basics of real estate, different investment strategies and how to make the most out of your property purchase for personal use or as an investment. Take the first step towards achieving your financial goals through property ownership. Don't miss out on this opportunity to learn and grow your real estate knowledge! Whatsapp Dave@83324283 to book a session first. Strictly by appointment only. Other dates and timing can be arranged too.

How to Evaluate Funds Beyond Past Performance? With so many managed funds available, choosing one can feel overwhelming. Most investors rely on past returns, star ratings, or brand names — yet many still end up disappointed when markets change. This session breaks down what truly makes a managed fund strong and gives you a clear, practical framework to evaluate funds with confidence — regardless of market conditions. What We’ll Cover 1️⃣ Understanding Managed Funds * What a managed fund really does * Active management: when it adds value (and when it doesn’t) * Common myths about fund performance 2️⃣ Core Traits of a Strong Managed Fund * Fund manager skill vs luck * Investment philosophy and process * Consistency across market cycles * Risk management and downside protection 3️⃣ Performance That Actually Matters * Why past performance alone is misleading * Volatility, drawdowns, and risk-adjusted returns (explained simply) * How strong funds behave during market stress 4️⃣ Costs, Structure & Alignment * Fees and hidden costs * Portfolio turnover and tax efficiency * How to assess if a fund is investor-friendly 5️⃣ Fit Within Your Portfolio * How a strong fund complements (not duplicates) your holdings * Diversification vs over-diversification * Matching funds to your goals and time horizon 6️⃣ Common Investor Mistakes * Chasing last year’s winners * Switching funds too frequently * Confusing complexity with quality Who Should Attend * Investors currently holding managed funds * Beginners who want to invest more confidently * Anyone considering unit trusts or mutual funds * Those seeking clarity without jargon No technical background required. Format * Educational & discussion-based * Practical examples (Singapore context) * Open Q&A No hard selling. No product pitching. The focus is education and long-term decision-making. About the Host Smart Money SG, a community dedicated to helping everyday Singaporeans make smarter financial decisions through clear, practical education.

Many people work hard, earn more over time — yet still feel financially stuck. Rich Dad Poor Dad popularised powerful ideas about cashflow, assets, and debt, but these concepts are often misunderstood or applied incorrectly. This session breaks down the core lessons of Rich Dad Poor Dad and shows how they actually apply in real life, especially in a Singapore context. What We’ll Cover 1️⃣ Cashflow: The Real Measure of Wealth * Why income alone doesn’t make you rich * Understanding cashflow vs net worth * How cashflow affects financial freedom 2️⃣ Assets vs Liabilities (Beyond the Textbook) * What Rich Dad Poor Dad means by “assets” * Common assets people think are assets — but aren’t * How assets should work for you over time 3️⃣ Good Debt vs Bad Debt * What makes debt “good” or “bad” * When leverage helps — and when it destroys wealth * Common debt traps in Singapore 4️⃣ The Middle-Class Trap * Why earning more doesn’t always improve cashflow * Lifestyle inflation and silent financial stress * How people get stuck despite good salaries 5️⃣ Applying the Concepts Wisely * Separating principles from hype * Using these ideas without taking reckless risks * A simple framework to improve cashflow sustainably Who Should Attend * Fans of Rich Dad Poor Dad who want deeper clarity * Working adults trying to break paycheck-to-paycheck cycles * Beginners who want to understand wealth-building fundamentals * Anyone confused by “assets”, “cashflow”, and “good debt” No prior investing knowledge required. Format * Educational & discussion-based * Practical examples (Singapore context) * Open Q&A This is about understanding concepts — not pushing strategies. About the Host Hosted by Smart Money SG, a community focused on helping Singaporeans understand money, mindset, and long-term financial decisions in a clear and practical way.

Saturday Intro to Lorcana & Casuals @ Red Hobby Games About Event: Join our Intro to Lorcana Event! You will learn how to play Lorcana and even pick up prizes along the way! 📅 Sat, 24 Jan, 1pm (Walk-through), 2.30pm (Casuals) 📍 113 Eunos Ave 3, Gordon Industrial Building, 07-12 Room 3, SG 409838 🏆 Prizes: • 1st - 2 Pack + Set 10 Promo cards + Emerald Badge • 2nd - 1 Pack + Set 10 Promo cards • 3rd - Set 10 promo cards (Set 5-10 Packs, exc. Set 9) 🏆 Lucky Draw: Everybody wins! ✨Entry: $10 (Set 5-10 Packs, exc. Set 9) Join here: https://t.me/Red_Hobby_Games/67

## **Aged to Grow: Building Wealth over Wine** For Singaporean Professionals & Investors (Ages 35–60) **Learn to Earn an Additional $100K Through Mortgage & Investment Strategies** Wealth, like wine, improves with the right structure, patience, and informed decisions. This exclusive two-session experience is designed for Singaporeans in their prime earning years who are focused on growing assets, optimising capital, and making smarter investment choices. Through guided discussions on mortgages and fund sharing, participants gain clearer perspectives on how these tools can be used responsibly to strengthen their wealth position—within the realities of Singapore’s financial and property landscape. This is a focused, insight-led conversation for those who value clarity over speculation and strategy over noise. ***Event Dates*** **Sip champagne with us on 24 January 2026 and raise a wine toast on 7 February 2026.** **Time:** 4:00 PM – 6:00 PM **Ticket Price:** **$140 per person (Access to both sessions)** **Purchase your tickets here:** **[https://www.eventbrite.com/e/aged-to-grow-building-wealth-over-wine-tickets-1979708057091?aff=oddtdtcreator](https://www.eventbrite.com/e/aged-to-grow-building-wealth-over-wine-tickets-1979708057091?aff=oddtdtcreator)** **What You’ll Gain** * Clearer wealth direction * Mortgage and fund sharing fundamentals * Curated, peer-level conversations * Practical takeaways For Singaporean Professionals & Investors (Ages 35–60) **Disclaimer** The organiser reserves the right to curate attendance to ensure the session remains aligned with its intended audience. Thank you for your understanding.

Many people hear about passive investing (mutual funds, REITs) and active investing (stock picking, trading), but are unsure which approach actually makes sense for them. This in-person, small-group meetup is a relaxed, no-pressure discussion to help working adults understand the real differences, trade-offs, and expectations behind each investing style. There will be no sales pitches, no product promotion, and no obligation — just practical sharing and open discussion. What We’ll Cover * What passive investing really means (and what it doesn’t) * What active investing involves in real life * Time, effort, cost, and risk differences between both approaches * Why most people underperform when choosing the wrong strategy * Common misconceptions about “beating the market” * How people realistically combine both approaches * Open Q&A — bring your real questions This session is beginner-friendly and uses simple examples instead of technical jargon. Who This Is For * Working adults and young professionals * Beginners curious about investing * People who feel confused by online investing advice * Anyone deciding between DIY investing or guided approaches No prior investing knowledge is required. About the Host I work in financial planning, focusing on investments and risk management. This session is educational and discussion-based. There will be no product pitching during the meetup. For those who wish to continue the conversation after the session, that is completely optional. Format * Casual introductions * Short sharing session * Open discussion & Q&A * Free networking after Group size is kept small to encourage meaningful conversation. Notes * This is a physical, in-person meetup * Venue: Woodlands Regional Library * Please RSVP so seating can be arranged * Feel free to invite a friend who may benefit Looking forward to a good discussion and exchanging perspectives 😄

Join us at the Singapore Wealth Creation Meetup to delve into the world of cryptocurrency and discover innovative wealth building strategies. Our experienced speakers will share insights on how to navigate the volatile cryptocurrency market, make informed trading decisions, and capitalize on investment opportunities. Whether you are new to cryptocurrency or a seasoned trader, this event offers valuable knowledge and networking opportunities to help you enhance your wealth creation journey. Don't miss out on this chance to learn from industry experts and connect with like-minded individuals passionate about building wealth through cryptocurrency. Please whatsapp to 98334805 about your interest & attendance, sharings will be conducted on invitations basis, feel free to invite your friends as well!

**📈 SG Investors & Traders Meetup (Age 21–40)** Are you passionate about investing or trading? Whether you’re into stocks, crypto, real estate, or just getting started—this is for you. Join us for a **dinner & drinks** with like-minded people in Singapore. No slides, no sales talk—just good conversations, idea exchanges, and networking with fellow investors and traders. ✅ Age 21–40, based in Singapore ✅ Pay for your own food & drinks (À la carte menu — just order something you like 😊) ✅ No Financial Advisors (to keep it comfortable for all) If you’re looking to share tips, learn from others, or simply enjoy a laid-back evening with investing enthusiasts—come join us! 🗓️ We’ll PM everyone the day before to confirm attendance. If you’re unable to attend, please let us know so we can release your slot to others. 📌 Please fill in this quick screening form (occupation required for entry): 👉 [https://forms.office.com/r/xp3G1XAFTU](https://forms.office.com/r/xp3G1XAFTU) See you there! 🍻

**What makes one market a goldmine and another a money pit?** Success in real estate starts long before you make an offer. Choosing the right market and knowing how to analyze a deal are what separate confident investors from expensive mistakes. At this month’s meeting, we’ll talk about how to evaluate markets, spot demand drivers, and understand local fundamentals. We’ll also walk through how to analyze properties, run the numbers, and determine whether a deal actually makes sense before you move forward. Come for the training, stay for the networking! ━━━━━━━━━━━━━━━━━ **Did you miss it?** [Watch all GRID Reston event playback on YouTube](https://www.youtube.com/playlist?list=PLOTh5kxLLJI1G3VH6Pqhlhu0uTA8yrdpi) ━━━━━━━━━━━━━━━━━ **Join the GRID Facebook Community** [Join the online GRID community here](https://www.facebook.com/groups/gridinvestor) to post deals, ask questions, and connect with other investors across the globe.

Do you feel stuck in the rat race? Do you want to learn how to earn extra income and become financially free? Event outline: Arrive: 6:00 - 6:10 PM Play Cashflow and discuss Investing - 6:10 PM - 9:00 PM We welcome new and experienced players to the meetup. If this is your first game, you will have a lot of fun in a very safe, beginner-friendly environment. If you’ve played many times, prepare to be challenged! There will be a Cashflow 101 game for newer players. There will be a Cashflow 201 game for advanced players. Cost: Free Parking: There is free parking available around the outside of the building. How to get to the office: Park in the parking lot around the outside of the building. Enter in through the front doors. (The side the parking garage is on) Enter the Elevator and go up to the 3rd floor. Walk down the hallway to the end. You will see a room marked as the "Daybreak Room" The event will be inside that room Feel Free to bring in any food or drinks. There are many restaurants nearby. If you have any questions please call or text -- (240) 357-5597

Learn to manage stress and achieve self-growth through simple relaxation and Meditation. Heartfulness Meditation is a simple, modern, methodical approach to meditation. Rather than homing in on your breath or repeating a mantra, you simply focus inward, on your heart, to cultivate inner strength and serenity. Heartfulness meditation is gaining traction in recent years. It focuses on the heart, allowing individuals to connect with themselves on a deeper level, and ultimately achieve peace, relaxation, and clarity. It is a practice that encourages patience, self-compassion, and acceptance, helping cultivate a deeper appreciation for the present moment. This practice is offered with love and at no cost

After hosting successful events, I always think that we could have done better and relate it to our day to day life and make it educational. In this connection, I wanted to show off my investment and trade hat and organize series of Happy Hours around Investment & Trade. We will have speakers from different sectors and industries, at each Happy Hour. At this particular event, the speakers will discuss Retirement Saving (With An Overview of Interest Rate & Housing Market). Topics will include: • Today’s retirement savings challenges and approaches • Sources of income in retirement • Proper investment strategies • Current interest rate environment and what to expect going forward • State of the housing market The address will be sent to members, who RSVPed, before the Event. Enjoy!

Please join other members of the District of Columbia Chapter of the National Association of Residential Property Managers (NARPM) for our next monthly meeting. We get together on a regular basis to discuss topics relevant to managing rentals for other owners of property in the District of Columbia and we feature speakers on specific subjects.

Fairfax County VA Real Estate Investors, Agents and Professionals! We just launched a Cash-Flow Breakfast Club for your area! This is the most unique real estate investor club, education, networking and mastermind event in the US! **Join us for our official launch event for Fairfax County VA** **on January 26.** **This is a 12 part education series with new topics every month. This event is session 11 of 12!** *(it is ok to attend even if you missed previous sessions. Each session has stand alone topics. You can also attend other near by locations to get caught up on sessions that you have missed.)* **This event is free but has very limited seating and we are limited to the first 50 to RSVP! Join us and become a founding member of this amazing community!** **Very limited seating. In-person only.** **Make sure to RSVP today to reserve your spot.** **When: January 26, 2026 @ 5:45PM – 9:00PM EST** **Where: 12700 Fair Lakes Circle, Ste. 120** **Fairfax, Virginia, 22033** The Cash-Flow Breakfast Club is NOT just a meet up. It’s the most unique Real Estate Investor Community of Mentors, Coaches & Masterminds. A community of growth oriented, abundance mindset, go-giver individuals with a BARE MINIMUM commitment to become financially free through real estate investing. We focus on providing education and building networks to help every member solve their cash-flow freedom equation, so they can have the time-freedom needed to follow their passions, make a lasting impact and even change the world! The unique format of this event, which consists of high-level education, gamified networking, mastermind breakout sessions, case studies, group deal analysis, market deep dives, and peer-to-peer coaching facilitation makes this the most impactful local real estate investor group a real estate investor can be a part of. The foundation of the group is built around the belief that everyone in the room has the potential to change the world… however most of us never have the time, energy or financial situation to even dare to dream big enough. Most of us have passions that will never be followed, amazing businesses or ideas that will never be pursued… unless we can solve the Cash-Flow Freedom Equation, which ultimately leads to Time-Freedom. Once that happens it is usually much easier for us to think bigger, dream bigger, be bigger. · 🤯 Learn more about the Cash-Flow Breakfast Club [HERE](https://cashflowbreakfastclub.com/) · 🥇 Get in the VIP List to be notified about the next event in your area [HERE](https://the.cashflowbreakfastclub.com/VIP) · 🤙🏼 Learn more about Launching your own Cash-Flow Breakfast Club Location [HERE](https://cashflowbreakfastclub.com/launch-your-own-club/) · 🤝🏼 Learn more about becoming an Affiliate-Sponsor at one of our club locations [HERE](https://cashflowbreakfastclub.com/affiliate-sponsors/) · 📷 View photos and videos of some of our recent events [HERE](https://cashflowbreakfastclub.com/about-the-cash-flow-breakfast-club/) · 😎 Looking to represent? Browse Cash-Flow Breakfast Club apparel and fly swag [HERE](https://cashflowbreakfastclub.com/shop/)

We will have speakers from different sectors and industries, at each event. At this particular event, the speakers will discuss Retirement Planning (Living Longer Living Better). Topics will include: • Longevity and planning for a longer life • Retirement planning strategies • Common investor mistakes • What is an ETF? The address will be send to members who RSVPed before the Event. Enjoy!