Question 1 of 7
Which of these investment tools would have given you the best returns in the last 12 years?
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Question 2 of 7
What issue do people think will affect them the most in the next 30 years?
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Question 3 of 7
What percentage of parents have discussed financial matters like saving money with their children?
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Question 4 of 7
What topic have couples discussed together the least?
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Question 5 of 7
Which of these healthy habits could help lengthen your life by 12 months?
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Question 6 of 7
What is the biggest health threat to humankind according to World Health Organisation in 2021?
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Question 7 of 7
Which method do most people choose to protect themselves from future risks?
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Be future ready
While property was certainly one of the best performing asset classes for the previous generation, their potential returns continuously change.
The investment landscape is constantly changing. It’s important to get reliable, up-to-date information and expert advice. Rather than putting all your eggs in one basket or thinking that your property is equivalent to a retirement ticket, consider growing your net worth through a diversified investment portfolio.
Sources:
- DBS-Manulife Future Ready Survey
- S&P 500 Data 2009 – 2021
Be future ready
Health insurance, supplemented with other types of insurance policies, such as life insurance can help you meet rising healthcare costs which are increasing at double the consumer inflation rate. It’s important to align your needs with your affordability, both in terms of the medical care you expect as well as the insurance to cover it. Start planning early especially if there is a medical history in your family and if your employer's hospitalisation plan is not portable.
Sources:
- DBS-Manulife Future Ready Survey
- SingStats Report 2001-2021
Be future ready
Financial management skills are best established early in life. It sets up healthy habits that will help your child create a sustainable financial future. So start talking early. The value of money, power of compounding, longevity, inflation, interest rates and the interplay between investment risk and reward are all critical concepts for them to understand in order to future- proof their lives.
Sources:
- DBS-Manulife Future Ready Survey
- “Personal debt soars among young S’pore adults during pandemic.”
Be future ready
Couples would rather talk about their holiday plans than about what to do in retirement or budgeting for daily expenses. Financial disagreements and lack of communications are some of the top reasons for divorce in Singapore in 2021.
Financial planning is best done as a couple. A neutral expert can help you connect on money matters in a rational, methodical way. Understanding each other's money habits, risk appetite and goals, as well as having regular conversations on money will strengthen marital bonds and the family's financial resilience. Couples can also leverage the power of two with their investments to reap the benefits of compounding.
Sources:
- DBS-Manulife Future Ready Survey
- “3 Reasons for the rising divorce rate in Singapore.”
Be future ready
Flossing could help increase lifespan as gum disease has been associated with ailments such as heart disease, HPV infection, mouth cancers, diabetes, and kidney failure.
In Singapore, 21 people die from cardiovascular disease (heart diseases and stroke) every day. Cardiovascular disease accounted for 32% of all deaths in 2021. This means that almost 1 out of 3 deaths in Singapore is due to heart diseases or stroke. 34% people do not exercise at least once a week. 53% do not eat fruits daily. 32% do not have medical checks at least once a year. These are some simple habits that could help extend your life span and should not be ignored.
The same goes for financial planning. Reviewing your holistic financial plans regularly, staying protected and invested, and constantly looking for suitable investment opportunities will play a big part in achieving sustainable financial health.
Sources:
- Singapore heart disease statistics
- DBS-Manulife Future Ready Survey
- “Not flossing could have dire health consequences.”
Be future ready
It is surprising that climate change is not everyone’s top concern, nor sustainability, which is a key action we need to take towards protecting ourselves from future risks. Climate-facing Environmental, Social, and Governance (ESG) investments are a great way to secure not just your future but generations to come.
Sources:
- DBS-Manulife Future Ready Survey
- World Health Organisation: Climate change and health
Be future ready
While it is important to build emergency cash savings of 3 to 6 months of expenses, cash isn’t the best way to mitigate against future risks like longevity, inflation and rising healthcare costs. To enjoy sustainable financial wellness, you need a variety of vehicles starting with suitable insurance plans to protect your wealth and a diversified portfolio of investments to grow your wealth. Your holistic financial plan should encompass budgeting, home, retirement and estate planning.
Sources:
- DBS-Manulife Future Ready Survey
- S&P 500 Data 2009 - 2021
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