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DISCLAIMER This website found birth in my passion for personal finance and my mission to enhance the basic financial literacy of Singaporeans. The information provided on the site is for information purposes only and is of a general nature. It is not intended to be, and does not constitute financial advice or any other advice, and is not specific to you. The author disclaims any and all liability in the event any information, commentary, analysis, opinions, advice and/or recommendations prove to be inaccurate, incomplete or unreliable, or result in any investment or other losses. Please consult a qualified financial adviser, or even better, a CERTIFIED FINANCIAL PLANNERTM , before making any financial decision. Further to the above, the contents of this site reflect the personal views and opinion of only the author, and not of any company. CFP®, CERTIFIED FINANCIAL PLANNERTM, and theCFP® certification marks owned outside the U.S. by Financial Planning Standards Board Ltd. (FPSB). Financial Planning Association of Singapore (FPAS) is the marks licensing authority for the CFP marks in Singapore, through agreement with FPSB.