"Money Matters – S'pore housing: Get the bigger picture right"
The Business Times, Wednesday 27th Aug, 2008
THE media recently highlighted bearish analyst reports about the Singapore residential market. One, I recall, predicted a decline of 40 per cent over three years. says Joseph Chong...

"Money Matters – small change Look at the big picture to reap higher returns"
The Sunday Times, Sunday 6th Jul, 2008
If you look past economic woes, you'll find the slump in equities offers good buying opportunities. says Joseph Chong...

"Money Matters – Follow the money supply"
The Business Times, Wednesday 25 Jun, 2008
Acceleration and deceleration in money supply tend to lead stock market performance by up to four to eight months. says Joseph Chong...

"Money Matters – The inefficiency of markets"
The Business Times, Wednesday 02 Apr, 2008
For those who took courses in finance back in school, most would remember the Efficient Market Hypothesis (EMH). says Joseph Chong...

"Money Matters – Riches through both global and local toil"
The Business Times, Wednesday 13 Feb, 2008
While our SWFs take care of things abroad, property beckons smart investors at home. says Joseph Chong...

"Money Matters – Correction? What Correction?"
The Business Times, Wednesday 05 Dec, 2007
GLOBAL equity markets have been volatile in the past few months. Losses on sub-prime mortgages have morphed into a more general credit crunch problem arising from the loss of confidence within the global financial system. says Joseph Chong...

"Money Matters - Yes, sub-primes still offer an investment opportunity"
The Business Times, Wednesday 03 Oct, 2007
And this is despite the matter having morphed into a more general credit crunch problem. says Joseph Chong...

"Money Matters - Deciphering the message of the markets"
The Business Times, Wednesday 01 Aug, 2007
ABOUT seven months ago we made some key predictions in the Business Times of Jan 10. We predicted a continuation of the bull market in global equities. says Joseph Chong...

"Money Matters - The Benefits of Diversification"
The Business Times, Wednesday 30 May, 2007
Global diversification among asset classes makes the most efficient portfolios by delivering the highest returns for any given level of volatility. says Joseph Chong...

"Money Matters - A closer look at net investment returns"
The Business Times, Wednesday 21 March, 2007
Realised capital gains are a poor gauge of performance and don't make for good criteria for the drawing of returns from our foreign reserves. says Joseph Chong...

"Money Matters - Equities outlook still positive; surge in home prices likely"
The Business Times, Wednesday 10 January, 2007
GST hike can be avoided if proceeds from government land sales are included in Budget calculations. says Joseph Chong...

"Money Matters - A pension fund for the elderly?"
The Business Times, Wednesday 08 November, 2006
It would serve as an automatic demand instrument should the economy slows. says Joseph Chong...

"Money Matters - A closer look at S'pore's reserves"
The Business Times, Wednesday 30 August, 2006
Going by the excellent returns delivered on Singapore's foreign reserves, Singaporeans should all be looking forward to 'retirement'. says Joseph Chong...

"Money Matters - Some things investors need to know"
The Business Times, Wednesday 05 July, 2006
Understanding how the markets are behaving these days - and why - will enable investors to make better decisions. says Joseph Chong...

"Money Matters - Does life begin at 40 for S'pore as a nation?"
The Business Times, Wednesday 02 May, 2006
IT has often been said that life begins at 40. For most of us, the first 40 years of life are dictated by our parents or living through the consequences of decisions made on our behalf. Indeed, 40 is often the year of the mid-life crisis - either in personal relationships or in vocation, or both. We see it often in financial planning. says Joseph Chong...

"Money Matters - Interesting FAQs on market concerns"
The Business Times, Wednesday 08 February, 2006
IN OUR internal investment strategy paper for Q1, we predicted that 2006 would be a tricky year for managing money - contrary to the generally optimistic view espoused by most major global investment managers. says Joseph Chong...

"Money Matters - Does History repeat itself"
The Business Times, Wednesday 23 November, 2005
Technical analysts say historical patterns reassert themselves because of investor emotion. says Joseph Chong...

"Money Matters - Affirmative action for meritocracy"
The Business Times, Wednesday 14 September, 2005
Help the poor to help themselves by giving them a solid start in life - a good education. says Joseph Chong...

"Money Matters - Facing up to income inequality"
The Business Times, Wednesday 03 August, 2005
Around the world, the Gini coefficient is rising, and governments should move to halt the wave or risk instability. says Joseph Chong...

"Money Matters - Likely hits, potential misses"
The Business Times, Wednesday 27 April, 2005
Don't count casino chickens just yet, and forget privately managed pension plans and infotech sector; but do tap oil sector. says Joseph Chong...

"Money Matters - To (cover) each according to his needs"
The Business Times, Wednesday 19 January, 2005
AS independent advisers, we often have to review clients' insurance policies and we notice that many are paying high premiums without getting adequate coverage. Why is this so? says Stanley Sim...

A Crucial first Shield for investments
The Business Times, Wednesday 17 November, 2004
A hospital plan is a must if you want to be sure you can afford rising medical bills. says CHONG KOK PENG...

"Black Gold"
The Business Times, Wednesday 29 September, 2004
As investors tire of technology and the gobal econnomy slows, the energy sector may be worth a look. says JOSEPH CHONG...

Asset Allocation Is The Key
Singapore Accountant - September/October 2004
To invest successfully, most people believe they must have the skills to select the right stocks/bonds says JOSEPH CHONG...

Financial Planning Starts From Young
"Lian He Zao Bao", Sunday 29 August, 2004
Mervyn Teo, 23, requires to have 6 months of expenditure in savings as his income is not fixed says JOSEPH CHONG...

Investing goes beyond economics
The Business Times, Friday 13 August, 2004
Politics and history are just as important factors, says JOSEPH CHONG...

Mitigating emotional decisions
The Business Times, Friday 9 July, 2004
On-going financial advice can help deter investors from irrational behaviour, says JOSEPH CHONG...

Keep PPP's goals, axe scheme
The Business Times, Friday 20 February, 2004
Solution is to revamp the way intermediaries are compensated with CPF funds, says JOSEPH CHONG...

The way to go in property investment
The Business Times, Friday 16 January, 2004
Prime freehold dwellings are worth considering if you're looking to buy a property...

Key approaches to investment
The Business Times, Friday 28 November, 2003
Don't fall into the trap of ad-hoc portfolios, says JOSEPH CHONG...

Investment planning myths
The Business Times, Friday 31 October, 2003
JOSEPH CHONG compiles a list of some of the potential misconceptions and euphemisms to look out for when buying investment products...

Time to give domestic economy a boost
The Straits Times, Friday 19 September, 2003
THE recent three-point cut in CPF has drawn much debate. Whether it is right, wrong or half-right, it is done and water under the bridge. It is crucial that one looks forward as value is created by our future actions...

Stoke consumption to revive economy
The Business Times, Thursday 18 September, 2003
THE recently-announced 3 percentage points cut in CPF contributions has sparked considerable debate. Whether it is right, wrong or half-right, it is done and water under the bridge. It is crucial now that we look forward, as value is created by our future actions...

Learn to tell the good debt from the bad debt
The Business Times, Saturday 05 July, 2003
DEBT seems so interwoven into the fabric of daily living that it is hard to imagine how one can cope without it. There is your home loan, car loan, credit card, various personal lines of credit, plus even your share margin account...

A longer-term view
The Business Times, Wednesday 14 May, 2003
Sars masks an essentially healthy outlook for investors. JOSEPH CHONG puts things in perspective...

THE ART OF THE BUSINESS
FundSupermart, 11/12, 2002
Joseph Chong, Managing Director And Co-Founder Of NEW INDEPENDENT, Says he has got a handle on the Financial Planning Business and that is why we should go to his company and other...

New or resale HDB flat?
The Business Times, Wednesday 20 November, 2002
Those facing this dilemma take heed: Mature estates may offer better location, but new flats appreciate better, and could provide for a retirement fund...

Spread the risk
Today, Wednesday 13 November, 2002
MOST civil servants get an additional one per cent contribution in their Medisave accounts as a form of medical benefit As most Singaporeans can finance MediShield plans with their CPF contributions...

What they say
The Business Times, Wednesday 14 August, 2002
'It is better for Singaporeans to join ElderShield when they are still young and healthy. They may not be able to join at older ages, as by then they could develop pre-existing disabilities which would make them ineligible...

Deferment period in ElderShield necessary
The Business Times, Monday 12 August, 2002
WE refer to the letter 'Baffling provision in ElderShield' by Tow Yin (Mailbag, Aug 5)...

Take My Advice
Smart Investor, August, 2002
You can have products and premiums coming out of your ears but unless you understand what they all do and how they fit together, your best-laid plans could go to waste. Sitting down for a long, hard think with an independent adviser could help straighten things out. Nicholas Briggs pulls up a chair with Joseph Chong, managing director of New Independent, and finds out more...

ElderShield is a cheap and good scheme
The Business Times, Monday 29 July, 2002
According to a recent study in the New England Journal of Medicine, men and women over the age of 65 have, respectively, a 33 per cent and 50 per cent chance of being unable to perform the basic activities of daily living such as washing, dressing, feeding, toileting and moving about...

Home is part of retirement assets
The Business Times, Saturday 01 June, 2002
I REFER to the recent articles on property and usage of the Central Provident Fund for property purchases. It is worrying to see us...

More efficient utilisation of resources may help
The Straits Times, Saturday 6 April, 2002
While I support any initiative that would help Singaporeans retire comfortably, I am not sure if the answer to the problem is a further restriction on the use of Central Provident Fund (CPF) savings for property purchases...

The independent view
The Business Times, Wednesday 13 March, 2002
I AM writing in response to the commentary 'Much ado about independence. Why?', BT, March 9 by Genevieve Cua. Ms Cua's commentary gives the impression that the 'independent' financial adviser (IFA) concept is not necessary or has been a failure elsewhere...