https://lingchunwei.com/insights/ Writing on financial planning for doctors and senior professionals in Singapore. en-SG Tue, 22 Sep 2026 15:51:43 GMT https://lingchunwei.com/insights/he-would-have-earned-more-if-he-had-stayed/ https://lingchunwei.com/insights/he-would-have-earned-more-if-he-had-stayed/ A client's portfolio grew about 40% in three and a half years. Had he never switched, it would have grown about 42%. Why I would make the same switch again, and what a return on its own cannot tell you. Tue, 15 Sep 2026 00:00:00 GMT https://lingchunwei.com/insights/straight-as-and-still-no-place/ https://lingchunwei.com/insights/straight-as-and-still-no-place/ A client's daughter had near-perfect grades and did not get into NUS Medicine. What decided what happened next was not the rejection, but whether the money for another route was already there. Sun, 13 Sep 2026 00:00:00 GMT https://lingchunwei.com/insights/questions-your-portfolio-has-never-been-asked/ https://lingchunwei.com/insights/questions-your-portfolio-has-never-been-asked/ A sample portfolio that gains 1.4% more than its benchmark in a good year and loses 9% more in a bad one. Nobody chose that trade. Why a list of holdings cannot show it, and what a portfolio review should ask. Tue, 01 Sep 2026 00:00:00 GMT https://lingchunwei.com/insights/skills-that-built-it/ https://lingchunwei.com/insights/skills-that-built-it/ Accumulating wealth and holding onto it reward opposite instincts. Why the people who built something successfully often find the second half hardest, and why the number you are chasing keeps moving. Sun, 30 Aug 2026 00:00:00 GMT https://lingchunwei.com/insights/high-income-does-not-become-wealth/ https://lingchunwei.com/insights/high-income-does-not-become-wealth/ Two people earning the same money can end up in completely different financial positions. The difference is rarely intelligence or discipline. It is usually three things nobody points out while the income is still growing. Fri, 28 Aug 2026 00:00:00 GMT https://lingchunwei.com/insights/net-worth-is-not-retirement-readiness/ https://lingchunwei.com/insights/net-worth-is-not-retirement-readiness/ A five million dollar home, no debt, a lifetime of careful saving, and roughly four years of money to live on. Why net worth and retirement readiness are different questions, and why the gap between them is so easy to miss. Fri, 28 Aug 2026 00:00:00 GMT https://lingchunwei.com/insights/the-claim-that-was-never-made/ https://lingchunwei.com/insights/the-claim-that-was-never-made/ The danger is rarely a lack of cover. Valid claims go unmade all the time. Three reasons why, and what to do about each one before you need to. Fri, 28 Aug 2026 00:00:00 GMT https://lingchunwei.com/insights/the-emotional-cost-of-investing/ https://lingchunwei.com/insights/the-emotional-cost-of-investing/ A surgeon, his wife's fixed deposits, and three years of second-guessing. Why volatility and risk are not the same thing, and why a smaller headline return can beat a larger one. Fri, 28 Aug 2026 00:00:00 GMT https://lingchunwei.com/insights/the-wrong-question-at-renewal/ https://lingchunwei.com/insights/the-wrong-question-at-renewal/ Integrated Shield premiums rose, then insurers posted their strongest year in some time. Both things are true, and the conclusion most policyholders draw from them is the wrong one. Fri, 28 Aug 2026 00:00:00 GMT https://lingchunwei.com/insights/would-your-children-know-what-to-do-with-it/ https://lingchunwei.com/insights/would-your-children-know-what-to-do-with-it/ Two thirds of high net worth families in Singapore doubt their wealth will outlast their children's generation, and the reason they give is not markets. It is that nobody prepared the people who inherit. Fri, 28 Aug 2026 00:00:00 GMT https://lingchunwei.com/insights/career-resilience/ https://lingchunwei.com/insights/career-resilience/ Your career is the engine behind almost everything else in your financial plan. Why career security is not the same as job security, and how to build options before you need them. Thu, 27 Aug 2026 00:00:00 GMT https://lingchunwei.com/insights/education-without-breaking-retirement/ https://lingchunwei.com/insights/education-without-breaking-retirement/ What a local and an overseas medical degree actually cost, why starting five years earlier matters more than finding a better return, and how to fund one without defunding the other. Thu, 27 Aug 2026 00:00:00 GMT https://lingchunwei.com/insights/bigger-than-a-retrenchment-fund/ https://lingchunwei.com/insights/bigger-than-a-retrenchment-fund/ Retrenchments in Singapore just hit a five-year high, concentrated in the services sector where most PMET and executive roles sit. Why every senior professional should build what I call a Career Resilience Fund. Fri, 07 Aug 2026 00:00:00 GMT