Rene Goh

Prudential Senior Financial Consultant

Rene Goh

Prudential Senior Financial Consultant

Nowadays, information is available and easily accessible anywhere, but do you know how to analyse them? Are they useful or it’s just another confusion to clutter your mind.

My goal is helping people to better understand their own needs and to provide a bespoke solution to achieve their financial goal together with a peace of mind ◡̈

财务规划，让生活品质变得更好❤️

Rene Goh
representing Prudential Assurance Company Singapore (Pte) Ltd. Reg.No. 199002477Z
www.prudential.com.sg/fc-info
Approval Code (552/03Jul23)

Work
- Prudential Assurance Company Singapore (Pte) Ltd
Credentials

Newsletters

Articles Worth Sharing

Newsletter Issue 94: Cultivating a Grateful Heart

As the year winds down, it’s the perfect time to reflect on the many reasons to be grateful in our lives. From uplifting mental health to strengthening connections, gratitude helps us end the year with purpose and warmth. Discover simple practices and insights to embrace appreciation and nurture meaningful moments this season.

Embark on meaningful journeys with insights to plan memorable vacations, navigate budget travel, and uncover cultural treasures. Whether you’re crafting a family adventure or exploring last-minute deals, these ideas inspire travel that deepens connections, stretches savings, and invites discovery.

As families navigate the challenges of exam season, it's important to foster resilience, support growth, and nurture well-being. These insights explore how to create a balanced, supportive environment for children, helping them thrive academically, emotionally, and financially.

Persistence and perseverance are the cornerstones of personal growth. As we enter the final stretch of the year, these traits become even more essential. Discover ways to harness determination, build resilience, and stay committed to your goals. Even when the journey feels long and challenging, remember—you’re closer than you think. Let’s push through this last lap together.

Navigating the rising cost of living requires strategic planning. This issue provides tips on budgeting, skill development to increase income, and utilising resources to manage money. I hope these strategies help empower you to stretch your money further and maintain financial stability.

Prioritizing our health and immunity is essential, especially with summer holidays and travel on the horizon amid the recent surge in COVID-19 cases. Here are some practical tips, nutritious recipes, and expert advice to keep you safe and ensure healthy and enjoyable summer vacations for you and your loved ones!

As we approach the time of year when scorching temperatures send us seeking refuge indoors, this issue offers essential tips and strategies for managing the heat. Arm yourself with knowledge and discover ways to stay cool, hydrated, and healthy amidst the sweltering heat, ensuring you thrive in your daily life!

Life is a multifaceted journey of growth and transformation. From overcoming setbacks to embracing professional and personal development, this issue contains wisdom on self-forgiveness, career and financial success, and the limitless power of lifelong learning. The process of growth may not always be easy, but it will be worth it. I hope this enriches your life.

Amidst rising costs, aging and retirement planning is becoming a growing concern for many. Yet, more than just ensuring financial readiness, one who is planning to retire also needs to be psychologically prepared for the shifts in lifestyle, routine and everything that comes along with it. In this issue, let's explore expert tips on staying healthy, mentally sharp and financially secure, so we can age gracefully in our golden years.

As we embrace 2024, discover essential insights for a prosperous journey ahead. Explore key financial strategies and economic trends aligning with the Dragon Year's promise of prosperity. Immerse in the cultural vibrancy of the Lunar New Year celebrations. I hope this issue with its blend of wisdom and practical advice equips you to navigate the opportunities and challenges ahead with confidence. Together, let's ride the Dragon!

In this issue, here are some insights on mindful reflection, effective goal-setting, and strategic reviews. I hope this helps you equip yourself for a thriving year ahead with impactful resolutions and fresh perspectives. Let's embark on this journey of growth and renewal together.

Embrace the spirit of the holiday season in this month's issue, where cherished traditions meet thoughtful innovation. From smart savings and healthy feasts to meaningful gifts and cozy stays, our collection of articles offers a reflective journey through holiday warmth. Savour every moment with our handpicked tips and recipes, and let's celebrate the joy and generosity that define this wondrous time of year.

As inflationary pressures continue, affecting both individuals and businesses, it is vital to equip ourselves with effective strategies to navigate this environment. This issue provides pragmatic insights and ideas, guiding us to not only weather these economic challenges but also thrive in the midst of them. I hope this brings us greater financial resilience and empowerment.

In celebration of Children's Day, here is a friendly collection of articles brimming with insights! I hope these writings can guide us in embedding valuable skills, boosting financial literacy, and laying down a roadmap to raising resilient, balanced children. May we empower the upcoming generations, helping them blossom into well-rounded and holistic individuals. Let's cherish the joy of nurturing our future

Making decisions on property is not trivial, as they often have effects on our quality of life in ways that are not just material but also financial and emotional. Regardless of our experience levels in making decisions on our properties and homes, it helps to have an appreciation of what resources are involved, and how we can be resourceful about them. I hope you find the materials in this issue useful.

In today's rapidly ageing society, advance care planning and long-term care planning are emerging as critical considerations for ensuring a comfortable and secure future. As we journey together through the intricate aspects of planning for what lies ahead, it's never too early to make such vital decisions. It's your future; plan it well.

In the delicate balance between awe and envy lies an opportunity for growth. Awe opens our eyes to the beauty and possibilities around us, while envy stirs our desires for improvement. By using awe as a wellspring of inspiration and envy as a catalyst for positive change, we get to harness these emotions to fuel our ambitions, cultivate empathy, and create a brighter future for ourselves and others in various aspects of our lives.

As artificial intelligence (AI) and chatbots like ChatGPT become ever more prevalent, AI’s potential to transform our lives and economy cannot be understated. With the increasing adoption of these technologies, they will not only transform the ways we use or consume information, but they are also poised to play a pivotal role in just about every aspect of our lives, including work, finance, and parenting. In this issue, we explore the nuances of AI and the possibilities it brings to our world.

Whether we are mothers ourselves or simply have someone in our lives who has played a motherly role to us, chances are, our lives have been influenced in profound ways by motherhood. Let's take a moment in this issue to honour, value, and draw lessons from the incredible wisdom of women and mothers who have impacted our worlds.

Necessity is the mother of invention. Throughout history, humans have demonstrated the ability to innovate, solve problems, and create solutions in the midst of crises, resulting in some of humanity's greatest inventions. All it took was resourcefulness, action, and persistence. Through this issue, I hope to provide insights into how we can live life constructively and creatively, regardless of the challenges that we may face today.

As we get back into the groove of work, our most important arsenals have to be our health and brains. After all, these are essential in allowing us to lead a functional and meaningful life. To do that, we need to take care not to fall ill and ensure that we upkeep our physical, mental, and social well-being. Let us explore in this issue the various ways that help us protect and strengthen our overall health.

For many, the festive season is a time of food, celebrations, social interaction, and hype. Coupled with the continuous demands of work and life, such periods can sometimes leave us feeling drained, and some of us may even struggle to get a breather. In this issue, I have put together resources on how we can possibly wind down and benefit from more intentional quiet and less noise.

As the world enters a recession, the upcoming year can pose a challenge for many due to increasing economic uncertainty, and the natural fears surrounding it. In this issue, we look at some trends and possible actions that can help us become more emotionally and financially resilient to not just ride out the challenges, but rise above them. I hope this gives us hope.

We live in three distinct timeframes - the Past, the Present, and the Future. Many times, we tend to live and make decisions based on what gives us immediate gratification, and often to our detriment. Despite not knowing what tomorrow will bring, planning ahead removes uncertainty and provides clarity to our lives. In this issue, I have included articles that I hope will inspire you to take actions that your future self will thank you for.

Many of us lead busy and stressful lives. Even when we may be caught up meeting deadlines, sprinting towards our next goals, or looking after our families, we cannot neglect taking appropriate breaks for our well-being. While it may feel counter-intuitive to do so, sometimes the best thing is simply to step away from the four concrete walls to go for a walk outdoors. It refreshes the mind, body and soul, and is beneficial for our health and creativity. So let's lace up our trainers and walk our stresses away.

In an environment of rising inflation and uncertainties in global geo-political climate, almost no one is spared from the economic consequences of the day. It is therefore more important than ever to be intentional and mindful in how we manage our finances in our daily living. Here, I have put together some resources which you can tap on to help you gain a better insight on how you can be more savvy with your money.

Every one is different, and differences in opinions, interests, backgrounds and personalities tend to come with conflicts. Whether is it our co-workers, friends, family members or even our partners, disputes are not only common, but they're natural and sometimes inevitable. The question is, while such conflicts arise, how do we navigate them? Do we attempt to work through issues amicably with others, or do we allow our egos and emotions to rear its ugly head? Today, we look at practical tips on how we can manage ourselves and relationships in more mature ways.

As humans, the pursuit of change and progress is something that is innate to every one of us. Like it or not, there will always be things in life that we hope could be a little different, a little better in the way that daily situations & events turn out. It could be in the way we think, speak, or the way we handle everything from our finances to our relationships with others. We seek to become better -- and we should. As we strive to continuously exceed our potential, we rise above all previous versions of ourselves and grow stronger. In this issue, we look at some ways in which we can embrace a better self and an even better future.

In life, there are days and moments where everything we do does not feel enough, or face situations that are beyond our control. A common response to such instances is to doubt ourselves and our abilities, and that is a very normal and human thing to do. But the effect of self-doubt can cut both ways: It can either spur us to achieve our goals and thereby boost our confidence levels, or cause us to feel entirely powerless and paralysed. Fortunately, whether we allow it to work for or against us is mostly up to us. In this issue, we will explore the ways in which we can harness self-doubt to build confidence -- one step at a time.

Statistically, most people live till an average age of 80 years. Although this number varies across cultures and nations, we cannot deny that life is still all too fleetingly short. 80 years a lifetime translates to 80 summers and 80 winters - to love, laugh, live, and make the most of our time on this earth. Far too often, when faced with our mortality, we look back at our lives and think of all the things that could have been different. Regret may sometimes be inevitable, but it is still possible to live an unlimited life with the limited time that we have. In this issue, we look at some of the ways we can do so.

For the past years, given the pandemic and restrictions, many of us were forced to re-evaluate how to plan and book trips for holidays, or consider whether we should even be planning for any travel at all. Now, as borders are opening up, we have reached a stage where many of us are ready to start traveling again and make vacation plans once more. The catch, though, is that traveling will likely continue to be complicated as new variants emerge. How then do we plan for travel? In this issue, we explore this matter in more depth.

Life can be unpredictable with obstacles, making it sometimes difficult to stay afloat. Whether it is the loss of a loved one, stress from work, or financial woes, everyone faces challenges and does at some point, struggle with remaining optimistic or hopeful. Nonetheless, it is still important to maintain positivity to keep us going; by finding the good in the bad, and being the light in the darkness. For this issue, let us explore on what being positive means & how we can harness it in ways that truly benefit our lives.

As humans, we have an innate need for connection and approval from others. Often, we make an effort to gain validation and this is natural. Yet, in our world today, this need for others’ approval becomes magnified; as many of us are constantly plugged in on social media, we tend to get caught up in the pursuit of “likes”, “shares”, “follows” & engagement. These can have implications on our mental well-being and happiness. Through this issue, I hope that we can be more aware of the impacts & risks associated with excessive use of social media, and what we can do about it so that we can live out our best lives.

It is a season of feasting, socialising and spending time with our family and friends. Amidst the bustle of festive preparations and joviality, let us not forget to take care of our well-being even as we celebrate this time of wealth, health and happiness. Stay safe, savvy and prosper!

By this time, we would have endured quite a long period of the COVID-19 pandemic and many things have changed. Collectively, we have adapted to new ways of living, working and socializing. While there is no telling of when this pandemic will truly “end”, one thing’s for sure: Life goes on. The best we can do is to continue to look towards the future and live out the best we can. As we head into a new year, here are some predictions and trends we can look forward to.

In times of uncertainty, it’s easy to get overwhelmed. With the COVID-19 outbreak, we are faced with the challenge of adapting life around the virus and navigating intense market volatility. This leaves many of us feeling anxious and even disempowered.

Confucius, the Chinese philosopher, left us with these words to contemplate: The man who asks a question is a fool for a minute: the man who does not ask is a fool for life. As the year winds down, it is time to reflect on some popular and widely - accepted beliefs and misconceptions that we may hold that do not serve us in achieving our goals and desires. Today, we look at debunking some of these misconceptions to expand our thinking and explore new perspectives and horizons.

In meeting the demands of work and every day life, many of us can feel compelled to do all things at once, and may become overwhelmed or less effective as a result. To counter this, it is worth taking a moment to adjust our pace; to give ourselves the space to practice taking one step at a time in the ways we perform our tasks and how we manage our minds & emotions.

As human beings, we are a culmination of our environment, decisions, behaviours and habits. It is worth giving thought to how we live our lives; taking a step back to reflect on some of our own less-than-ideal tendencies and ponder about how we can mitigate or improve upon them. Here are some resources that I hope can help us foster habits and patterns that can create an upward cycle for ourselves over time.

In a world where more of us are increasingly working remotely, the issues of exhaustion, burnout and digital fatigue have become more pronounced in recent times. The implications on mental health and quality of life are real. Here are insights and resources that I hope can help us better understand the nature of the burnout that we may experiencing. More importantly, we can learn to manage, uplift ourselves and also the people around us.

Leadership is the act of guiding a team or individual to achieve a goal through direction and motivation -- and there is a leader in all of us. This issue contains insightful resources and pointers that touch on the various under-talked about but important aspects of leadership. I hope this inspires us to not just exercise good leadership in our daily lives as individuals and organisations, but more importantly, help us get through and thrive even in difficult times.

As our personal lives get increasingly intertwined with our work in this season, it becomes more important than ever to find ways to devote our energies to become more effective & productive as individuals. Here, I'd love to share with you on some resources and powerful ideas on how we can not only become more productive, but also make our work & daily life more meaningful in the process.

What does it mean to lead a good life? The meaning of a good life, or life for that matter, is subjective. But there are some evergreen truths and wisdoms that we can all live by that help us gain the most out of life even through obstacles and challenges. In this issue, I have put together for you a series of insights, tips & advice by some of the best thinkers throughout history on how to live out a good life. I hope these resonate with you.

Dignity is the state or quality of being worthy of honour or respect by virtue of being human, and every person has an intrinsic need to feel valued and needed. Yet, in our world, there is often a gap between the ideals and realities of how dignity is accorded to individuals across age, gender, social statuses and financial positions. In this issue, I'd like to bring attention to the topic of dignity, and the ways which we can protect & honour the dignity of others and ourselves.

Women have long played a huge part in our society and economy. When it comes to uplifting women, the work extends beyond just international women's day or month. In fact, it requires continuous effort from not just leaders, but also every day folks like us to recognise and appreciate the great potential of women in our lives. In this issue, I'd like to share insights on how we can be enablers of women's progress while staying aware of the realities and struggles they may face. I hope this helps us in empowering the women and girls in our midst.

When was the last time you received kindness from somebody? When was the last time you extended an act of kindness to someone else, and to what end? As it turns out, there can be tremendous merits and outcomes in paying forward a kindness received with a good deed to somebody else, especially when done out of gratitude. The concept of "Paying It Forward" is nothing new, but in our world, I believe we could do with more compassion and selflessness as it brings out the best in us.

As we begin a fresh year, it is a good idea to not just evaluate ourselves based on the previous year on how we have been managing our lives, but also to find out ways to become more productive as we move along. In this issue, I'd like to share with you some powerful ideas on productivity and how we can make the best of our resources, time, energy and capabilities. Let's do this!

In the words of Poet Ali in his TED Talk, "Every language we learn is a portal by which we can access another language"; the more we know, the more we can speak. To round off the year, I'd like us to take a moment to learn new concepts, stories and ways of seeking and connecting, which will empower us to adapt to the needs of others & ourselves in the way we relate, love, heal, and see possibilities. I hope this inspires you.

In a year where many of us are affected and perhaps feel powerless over our incomes amidst a pandemic, it is a good time to take stock of our financial health and confront our feelings about them & the way with deal with them. Whether we are young, middle-aged or senior, here are some important principles & practical tips on money management that we can fall back on which can go a long way into helping us optimise our finances and become financially wiser.

All of us would have people around us that we learn from in our lives. And people whom we in turn teach and need to be accountable to at some point - as students, working adults or parents. The better we are at relating and leading others into growth, the better we become as individuals. In this issue, I hope we can draw some lessons and wisdom from these materials that can help us cultivate values and cultures that we want in our lives and lift us up.

As humans, we often like to think we're right, even when we can be wrong at times. Many of us have the unconscious tendency to seek information that support our existing beliefs & disregard or undermine those that do not match ours. But doing so without awareness or questioning can have adverse effects in the way we think, make decisions & live our lives. Today, I'd like to share with you some potential consequences of confirmation bias & what we can do about them.

The world as we know it has changed for good on pretty much every level - from our lifestyles, to habits, to incomes and economy. As we navigate our way and find our place in trying times, it is important to stay grounded and keep the faith as we focus on seeing and creating opportunities, solutions & meaning. While there are no quick fixes in times like these, there's still a space for us to find ways to improve and cope better in our lives. I'd like to share them with you in this issue. Let's keep our heads up in choosing to persist in hope & good thoughts, and I believe we will emerge stronger than before.

As they dedicate their love and lives to their households and make constant sacrifices for their family’s & children’s well-being, mothers never retire. For all these, moms deserve more thoughts besides during Mother’s Day. But should mothers also think about planning their own retirement — financially speaking? In this issue, as we give tributes to all mothers, we would also like to give thoughts to a mother’s financial freedom. Mothers deserve a worry-free retirement as well.

Albert Einstein said, "Compound interest is the eighth wonder of the world. He who understands it earns it. He who doesn't, pays it."

Today's phone in our pocket has 100,000 times the power of the computer that landed man on the moon 50 years ago. Our world is evolving at breakneck speed today. The World Economic Forum projected that more new jobs will be created compared to the ones lost. Uncertainty remains about what these new jobs would be. But the time to change our approach to learning new skills has come. The time is now. The 4th Industrial Revolution has begun.

There are many new things to deal with at this time while we are being isolated from life-as-usual. A new lifestyle, a new future and something that can be quite subtle - a new kind of burnout. It should do us well to be aware about this so we can learn to disengage when we need to. I wish you and your loved ones good health and may you continue to stay safe!

Amidst a pandemic, the profound impact & discomfort of loss or the prospect of loss is felt almost universally. We may find ourselves and even those we care about feeling anxious & restless, which makes it challenging as we find ways to adjust not just physically, but also mentally & emotionally. At this time, emotional support for one another becomes ever more essential. Here, I'd love to share with you insights that can help us have a deeper understanding on the complex emotions that we may be dealing with, & the ways in which we can provide meaningful social support in our daily interactions through being present & holding space for others.

What the eyes cannot see is bringing countries to their knees as we write. The full impact of Covid19 is still unknown. It has ushered in a new reality for the World. Our lives will never be the same again. And Covid19 won't be the last. While we #fightasone, let's see how we can prepare ourselves and our children for this new future - together. Here are some good reads that I believe can help us rethink this new future and its possibilities. If you find these resources useful, please forward them to those you care about, especially at a time such as this. Cheers!

Here's wishing you and yours a very fruitful 2020, and the best is yet to come! Another year, and what better way to start it with a collection of thoughts that might turn out to touch your life for the better? I hope you could find something useful and share along with those you care about too. Cheers for a blessed 2020!

When the going gets rough, it can at times be easy to lose sight of what we set out to attain in our lives, be it in our personal endeavours, work or finances. The process of going & pushing through such situations may not be most comfortable, but persevering and talking about how to handle them is necessary. These are perspectives I found useful and inspiring. I hope this gives you hope.

In many ways, relationships are key to our well-being, as trusting, fulfilling relationships lay the foundation for our emotional health and security. But to work through relationships and trust matters aren't always linear or clean - they can be messy and raw. Here are some articles that I found incredibly valuable that enrich us in our personal and professional lives.

Change is hard. To force change is harder. They usually don't last. Perspectives however, are easier to accept. They change our minds and maybe that's what we need more than change itself. I hope you enjoy these articles.

These are some rather transformative articles that could help you and those you care about. So please be free to share them. I hope you find them beneficial. If you like them, do drop me a note and I'll be very glad to know I've added value and touched someone.

The lack of sleep being linked to chronic illnesses like diabetes and heart disease isn't a happy story. Certainly not for those of us who are more conscious about building happiness in life. Please share this newsletter issue with those you care about. We can impact lives together!

The Bucket List - chances are that you may not have made one. It is an interesting journey that we can take together. It's also a lot easier taking a peep at some of the most inspiring bucket lists that we have put together to share with you. Let's start one and live it out!

Since our taste buds are not working like black and white TVs. We know it's meant for some tasty good food. Yummy! Let's stay healthy, and also up our knowledge about making some nice interesting food. Here are some really good resources curated for you.

There's a man in Singapore, that every time he concludes a business deal, he would go buy a plant and plant it somewhere. It's a simple way of giving back. He was also able to disengage and be with himself while doing something meaningful, albeit how simple it was. In this issue are some more examples of such life's lesson that we can benefit from. All we need, is to just take some time, slow down and breathe in the fresh air.

There are just too many things that we know to be good for us, but have not yet become a part of us. Applying wise financial habits may be one of them. Here are some to learn about by seeing them from the eyes of a very successful woman - Oprah Winfrey. Change requires conscious efforts. I hope some of these thoughts will begin to be a blessing in your life. Cheers.

In case you missed the news, besides the big 3 - US, Russia & China, tiny Singapore would be the next to send a human into Space using a helium Stratospheric balloon capable of lifting an SUV. This is a 5 years arduous journey filled with many inspiring stories. A Visionary who saw the possibilities, followed by 150 applicants to be Singapore's first Astronaut, and finally an extraordinary individual to make the trip, laying his life on the line. Yet his project isn't about Space. It's about creating a better mental model for Singaporeans - that with the heart, mind and grit, we can do great things. Enjoy this historic moment.

Or rather, this issue is about learning the secrets of being interesting. Even calling it a secret is a little too much. In today's world of overwhelming information overload, it's about paying attention to certain things that some people do to make themselves more interesting than others. We can all do better in life with a little dose of this knowledge. So let's dig in!

In this issue, I'd like to do something different. All of the highlights are very interesting videos from TED talks about the way we think. The videos are between 15 to 30 minutes, but they are well worth your time I promise. Hope these resources will help create marginal changes in your life every so often. Let's be enlightened together!

Research seems to point to the fact that those who engages in deeper conversations with others are happier people. This is what I call a happy finding. It levels with what makes us human. We speak, we listen, we feel, we learn, we take and we give. And deeper conversations allow us to lift each other up.

In the last issue, we discussed how robots will change our lives in the future. It has become increasingly important for us to keep our minds on the ball, stay sharp and stay progressive. If half the jobs in 2020 are yet to be known to us, how can we prepare ourselves and our children today? To face a fast changing future, we need to first understand it. We need to try and take a peek into this future and start to embrace change.

We have come to a very unique juncture in time, where we are transitioning into the 4th industrial revolution. This is a time where technology as we know it will start to escalate in its rate of change. Our lives and jobs will surely be impacted. But how? It is time to consider this and take stock of where we might stand now and three to five years later.

From a parent to a child, between friends and professionally in the workplace - there's something special about the role of story telling. And we've a lot to learn from the world's great story tellers. Some of the best are comedians, public speakers and politicians. But there's more. I hope the following articles will help you get started in this interesting journey of learning and exploration.

It's been a while since the subject of Retirement was discussed. In this issue's video, it's quite interesting to see how children have different ideas about Retirement. I'm sure all of us have our ideas as well. Yet life can mercilessly erode these dreams. But not if we are really serious about them. So how serious is your retirement dream?

The future seems to come at us at a faster pace than before. It brings along with it many questions. Will automation take over our jobs? What new jobs will be created? And which existing ones will be obsolete? How can we survive? Yet some things don't change. Understanding the things that will change and those that won't can help us carve out a better future.

Most of us find it hard to change even when we know we need to. If only it's as easy as a walk in the park. But once in a while, a certain change of perspective is all it takes. Hopefully, today can be one of those time for you. We can gain some insights and wisdom from these articles that are worth sharing.

Do we need to get better at time management? Or do we need to instead think about Time itself? More specifically, what it means to us - with the very limited time that we have. The answer would be different for each of us. But I'm rather certain that taking time to ponder about Time itself can be a fruitful thing to do.

The World Health Organization's latest report says diabetes has quadrupled in the past 34 years. It's certainly something that we should care about. Not just for us, but also our loved ones. Here's a starter to help us understand and prevent this disease better.

Health is important, so is a good life and great food! One of the great thing about being in Singapore is that there's always new food places to explore. In this issue, I'd like to bring you to a couple really good yummy places - wrapped up with a hilarious video you don't wanna miss.

Singapore is growing as a cultural center. But why is Art important? And how can Art, in its many forms make our lives better? Deep within all of us, there's a need for expression and appreciation. There's certainly more for us to explore and learn about Art. Do not miss the video below. Oh how beautiful this is ~ a celebration of art and life!

It is always quite refreshing to discover new things about our health. In this case, Vitamin C is one of those surprises. Do watch the video below till the end ~ it could be a life saver. But please seek your doctor's opinion as well.

The more we read, the more we can share. And sharing is caring. Here are a few interesting articles I'd like to share with you in this issue of my newsletter. Remember to pass it along to those whom you care about too.

It isn't the bucket either. One good news is that more people are now surviving cancer. The other good news is that life expectancy has increased from 75 to more than age 80. But hold that thought for a moment - it's only good news if one is financially prepared to survive such a critical challenge.

We may have thought that creativity is a realm belonging to a selected few. But is it? In this issue, we explore together some interesting stories that may strike a chord of inspiration for you. You can be creative too.

Testimonials & Referral Notes

专业和乐意分享的财务顾问

Hi Everyone ,

Rene是我通过之前的一个agent认识的。我觉得她跟别人不一样的地方是她是个很专注于客户体验与服务的财务顾问且很乐于助人并愿意分享她的专业知识及提供专业意见。我希望她可以继续帮助到更多有需要的朋友们。很棒哟👍🏻☺️

Regards,
Calvin Koh | Designer

Friendly, Sincere, Joyful Financial Consultant

Hi Everyone,

I met Rene through a recommendation from my cousin and she is a very friendly, sincere & joyful person. She patiently explained the policy to me, answered my questions and also provided valuable advice on what would be suitable for me. 🙌🏻

I would therefore highly recommend Rene to anyone in need of a financial consultant as she is very knowledgeable about insurance policies/finances. Most importantly, her service is goood :)

Regards,
Dorcas

Professional and friendly Financial Consultant

Hi Everyone ,

My colleague, a professional in finance department (and obviously more financially educated than me) recommends Rene to me ◡̈

Before I met Rene, I already had a financial consultant who managed my portfolio. Through some casual chat with my colleague, I just realised that I didn’t really get much interaction, advise or follow up from that consultant. So through my colleagues’ recommendation, I contacted Rene.

Rene helped me to understand my portfolio better, she thoroughly checking them - generously providing insight and advising me on how to leverage & improve the plan so it would be more beneficial for me and my family!

In the beginning, we had a couple of sessions. Rene patiently educating me, explaining the ‘atas’ insurance lingo/term in a down to earth language so it is easier for me to understand i.e. what’s in it for me, informing me of available option$, optimising my resource$, suggesting plans with realistic timelines, etc.

She proves that combination of knowledge with dedication and having the best interest for others is more impactful! She professionally advises me in a friendly manner. Ask, and she’ll answer responsibly! I believe that she does have my best interest at her heart when she is taking care of my account!

So it was such an easy thing to do when I decided to appoint her as my financial consultant! :))

It’s been 2 years (and counting!) and she does follow up! Keeping me updated and advising any potential improvements suitable for me in this ever-changing economy world!

Will you highly recommend to your friends or family if any ?

Absolutely! You know the saying of “good thing must share”, right?
Till now am so grateful that I listened to my colleague’ recommendation! Looking back, in a way I already knew that I’ll be in a good hand.

Do contact Rene, sincerely hope that others will have happy story as mine too!

Regards,
Kristina |Finance Manager

耐心讲解，让你清楚了解保险的重要性

Hi Everyone ,

我是通过闺蜜介绍认识到Rene。她非常有耐心在和她交谈时也让人感到放松自在。Rene让我了解到保险和理财的重要性，在和我分析的过程中非常清楚也容易明白。所以我非常愿意分享给我的家人朋友，让他们更了解保险和理财的知识！

Regards,
Yan Ling | Beautician

Trustful Financial Consultant

Hi Everyone ,

I have known Rene for couple of years. She is very friendly and trustful.

She will always understand my needs and my conditions before suggest me the best plan are suitable for me at the same time as fulfil my requirements.

And the most important thing for me is she is not forceful, during the session meet up I felt that comfortable with her.
She is also patient to answer my questions, and explained to me the most detailed I even met.

I would like to recommend Rene to anyone!

Regards,
Jia Hui

耐心友善的保险顾问

Hi Everyone ,

我是通过朋友介绍认识的Rene.
她非常有耐心也很友善, Rene会为个人需求提出不一样的方案. Rene让我知道保险和理财的重要性.
我愿意把Rene推荐给需要的朋友

Regards,
欣茹｜Accountant

有耐心和很好说话的财务顾问

Hi Everyone ,

我们是通过姐姐介绍认识的, 她很有耐心的帮我们分析并给予建议, 并且找出最适合我们的理财方法~人也很好说话哦😉
愿意我会推荐给身边的家人朋友~

Regards,
Hui Sin

不一样的财务顾问

Hi Everyone,

我是通过姐姐的介绍认识Rene :)
身为我的财务顾问，Rene 帮到我理财，同时也是我的保险经理。她也有给我未来规划和生活上的一些建议。她与别人的不一样的地方是她的乐天与随和，比起财务顾问她更像是我的朋友，很亲切。
我愿意把她推荐给我身边的家人朋友们…

Regards,
Pui Hun

遇到不一样的财务顾问

Hi Everyone ,

我是Yuffie, 记得跟Rene认识是在一场婚礼上认识的，那时对财务规划没有很认识也很抗拒做保险的销售员。但是在慢慢了解和相处下，我发现她跟我以往认识的保险销售员很不一样，她会了解我的处境先再为我计划出一个对我好的财务规划。很感谢自己在这条路上能遇到她.

Regards,
Yuffie | Executive

我遇到了耐心和专业的财务顾问

Hi Everyone ,

我是通过我姐姐认识的Rene。Rene是个非常专业的财务顾问，她非常有耐心，同时思绪也非常清晰地帮我分析及了解保险的重要性。当我遇到疑问，她都会一一解释清楚，让我更加容易明白。
所以我非常愿意和家人朋友分享，让她们认识她，帮助她们了解更多的保险和理财知识！

Regards,
Hui Ling | 20+ |Administrative Executive

Sincere, Meticulous Financial Consultant

Hi Everyone ,

I get to know Rene through a friend of mine who is a financial consultant. Upon meeting Rene for the first time, I can feel that she is a wonderful and cheerful lady.

She is sincere and meticulous, listening to my needs and carefully draft a policy plan suitable according to my current financial background and budget. She never hard sells the policy but instead give valuable advice which I felt she is very responsible and professional in her work. Talking to her during the meet up session has never been stressful as she always portrays her joyful, outmost sincerity and provides her best quality service.

Hence, I would highly recommend Rene to my friends or anyone.

Regards,
Jeff

Trustworthy Financial Consultant

Hi Everyone ,

Rene is a very helpful, patience and trustworthy financial consultant . She explained to me all the detailed plans provided by Prudential. I am very grateful for her service and definitely will recommend her to my friend if they intend to buy insurance in Singapore.

Regards,
Hailey | Auditor

真诚相待的财务顾问

Hi Everyone ,

Hello，我叫Carrie。一次跟同事的闲聊中他知道我想了解有关保险方面的问题，在他的介绍下我认识了Rene-我的保险财务顾问。

初见Rene就觉得她非常的亲切，有种相识很久的感觉。可能是因为大家都是来自马来西亚的缘故。她不只非常第有耐心跟我讲解了之前我不太了解的一些关于人寿保险问题，也给我分析了我目前最需要的和我可以承担起且最适合我的保险配套。

从谈话和接触过程中我能深深感觉到Rene是一个非常真诚相待的人。她很用心地去帮助我给我很多意见去管理好自己财务问题。而不是一味地hard sale保险。跟她聊天真的很舒服也让我获益不少。我很感恩认识到她，同时很放心让她成为我的保险顾问。因为她可以随时随地的给我提供帮助。以后要是有亲戚、好友想买或想了解保险我一定会推荐给他们。

因为我觉得我们需要的是一个真心想要帮助自己的人，而不是一味地追求自身利益的财务顾问。

Regards,
Carrie | Admin Exec | Malaysian

遇见友善细心的财务顾问

Hi Everyone ,

我是经过朋友介绍而认识rene 的，朋友推荐了她的财务顾问给我。Rene 很友善也很细心的讲解适合我的保单，也不会强迫我买。就算拒绝她也不会有压力，她尊重每个人的意见和想法。跟她聊天也很愉快，大家就像朋友那样。我会愿意推荐她给身边的家人和朋友们。

Regards,
Vivian | Engineer |20+

值得相信的顾问

Hi Everyone ,

感恩与Rene的相遇，Rene是我堂姐的好友，是在我堂姐的婚礼上认识的^^

认识Rene的那年，我仅有25岁，现在的我已是29. 感恩Rene教会我人生中最重要的事，“保护好自己的同时也保护家人” 与 “计划永远赶不上变化” ，很多事情都会在你预料之外发生.

趁我还年轻，开始了第一个保单“储蓄”，这对很多年轻人来说非常重要.
紧接下来，我人生中的另一伴出现了，我开始请Rene帮我们规划，什么保单适合我们，过程中我们懂得更多，我也会分享给我身边的朋友. 当他们有需要，就可以去询问Rene，她会先聆听你的需求及分享她的经验，再来分析最适合你现在处境的保单，绝对不会强迫或令你不舒服.

非常感恩与Rene的相遇，她是位非常热心助人，诚实守信激励的一位”你值得相信的顾问”.^^

Regards,
Lynn&Siang| Executive | Young couple

Helpful and Responsible

Hi Everyone ,

I know Rene for almost 10 years. She guides me through different types of insurance policies so that I know what I need.

Rene is our sister from church and I found that she helps me to get what I need at most cost saving. She will definitely assist me when I need her help on other insurance or claims, if required.

I will recommend Rene to my surroundings friends who need insurance or advice.

Regards,
Pauline | Manager

extremely professional and incredibility helpfu

Hi Everyone ,

I would highly recommend Rene as your Financial Consultant if you haven’t got one yet.

Rene has been extremely professional and incredibility helpful since I purchased my insurances from her in Y2019. I have been relying on her helping me with all my claims. She has been proactively keeping me updated on the status in the event the processing time of the claim been taking awhile.

For the past 3 years, Rene is ever ready for all my requests, be it documentations or trivial matters. I also have an investment plan with Rene. She will share her personal view on the things she did for her own investment plans when I have doubts and concerns. This gives me assurance and help me make up my mind.

Personally, I would think that Rene has gone the extra miles in providing her service to me. This is speaking from my personal experience of having Rene as my third Financial Consultant 😊

Regards,
Ee Vonne | 20+ |HR

Buying insurance without pressure

Hi Everyone ,

I know Rene for about 3 years. She is a friendly and patient financial consultant. This is because sometimes I would ask her my plans that I had bought again as I can’t really remember. She would still be very patient and explain to me what the plans are and their coverages.

Also, she would do a yearly financial review to ensure the plans are still applicable to my current status and situation. When introducing me a new plan, she would first understand what my need is and offer a plan that best cater to my need. Most importantly, I would not feel pressurised when I reject her offer as she would respect my decision after all.

Regards,
Shi Ying | 20+ | Accountant

Meeting with Trustworthy Finacial Consultant

Hi Everyone ,

I'm so thankful to meet up with Rene. She is patient,professional, trustworthy and helpful. She explained and answered all my questions and helped me to plan my policies well.

Thanks for the great service !

Regards,
Dikson |30+| Engineer

Professional and Patience

Hi Everyone ,

Rene is professional and patience when explaining to us. She analyse the best plan for our family based on our financial status.
We feel comfidence and satisty with her service. Keep it up , Rene :)

Regards,
May | 20+ | Plant Doctor

Capable and Caring Financial Consultant

Hi Everyone ,

I have known Rene for the past 8 years, first as my client, then now as one of my strong pillars of our agency.

Rene carries a strong set of work principles and values, always striving to bring her best ethical and professional standards in serving her friends, clients and teammates.

She is independent, takes strong initiative to achieve her goals, and have helped her many clients plan to meet their financial goals. Rene's Million Dollar Round Table Award achieved is a testimony of her ability to serve above and beyond, and her clients rallying behind her.

I would easily recommend Rene to anyone who is still looking for a capable and caring Financial Consultant, or a career mentor with strong passion for their personal development.

Regards,
Shawn Lim | Prudential Financial Service Director cum My Mentor cum AI5 Team 24 hour hotline

Humorous,Courteous and Professional

Hi Everyone ,

I have always found Rene to be an excellent agent. Humorous, courteous and professional.

She cares about our family and our needs and it shows through the service she provides.

I remember the time when I compared travel insurance with other company’s policy, she shared her point of view generously and told me to go ahead if the competitor has a better policy which they usually don’t, but has happened on some occasions. This gained a lot of trust with me.

Would like to take this opportunity to you for always being there for me and my family!

Regards,
Hui Ting | 20+ | IT Expert

Caring and Friendly Financial Consultant

Hi Everyone ,

Rene is a financial consultant who is caring and friendly. When we were facing the issue on purchasing the insurance, she assisted us on clarifying the problems and following up the process.

Furthermore, she explains the differences of the insurance policies explicitly. She is not only doing her job, she is caring for your health and understanding your needs.

We would highly recommend her as your financial consultant. Those effort she made through the process of purchasing your insurance will definitely safe and unworrisome.

Regards,
Yong Kang & Wang Cheng |30+| Doctor&Nurse

Pantient and Proper Financial Consultant

Hi Everyone,

I want to give a nice compliment to my Financial Consultant Rene, who has explained patiently to me, and suggest the best suit coverage plan for me, thanks.

Regards,
Ciau Ling 20+ Beautiful Office Lady

Fantastic Financial Consultant

Hi Everyone ,

Rene is fantastic. She is very friendly, competent, and knowledgeable.
I do appreciate the insurance plans she covered up with me.
It’s always so pleasant to meet up with her.

Regards,
Regina | 20+ | Sweetest Dentist

正能量 + 善解人意

Hi Everyone ,

Hi everyone,

I knew Rene from church a couple years ago, she is so cheerful and outgoing.

很幸运拥有Rene as my financial consultant, 她会耐心、认真倾听我的需要并专业地、全面地制定出适合我的financial cum protection planning。

不仅如此, Rene更是best buddy, 正能量满满的 + 愿意敞开分享 + 善解人意 = 超级喜欢她的:)

I strongly and definitely recommend her to my anyone who wish to find out more.

Regards,
Cherry | 30+ |OL cum Hiker

ability to explain complex ideas in a simple and engaging way

Hi Everyone ,

Rene is a colleague I can always count on to bring a smile to my day. Her unique way of sharing stories always brighten up my day😇 as a financial consultant, she always put her clients interests before herself.

She has a unique ability to explain complex ideas in a simple and engaging way!!

Rene is definitely someone with tip top financial knowledge. I have full confidence that she can value add to you!

Regards,
Eunice | 30+ | Wonder Woman

Positive and humorous

Rene is always giving positive energy, in Chinese, we call it 正能量. With her, there will never be a dull moment.

As a friend and a colleague, she is matured and down to earth, very understanding as well. It has been great to have known her.

To her clients, she will give her best and most professional advise. Her willingness to learn will definitely value add to her clients. 加油!

Natalie | 30+ | Rene’s Super Idol

High Moral Standard & Work Ethic

Hi Everyone ,

Insurance is a personal service that require great understanding of a person’s needs in various life stages, a great financial consultant makes a difference.

Patience - Rene is willing to listen, understand, analyse and provide curated recommendations that best match your current stage.

Consistency - Rene is highly committed to her profession. Consistency is key! Insurance is a life long journey, service quality consistency provides peace of mind and it also builds trust over a period of time.

High moral standard & work ethic - Rene has excellent work ethic and high moral standard which provide tremendous quality in her work.

I would highly recommend Rene to anyone who wish to find out more.

Regards,
Venus | 30+ | 女版 Albert Einstein

Prompt and Efficiency

Hi Everyone ,

Hi, I knew Rene through my brother.she is a detail person, she help me do detail comparison and give detail explanations.

Her prompt and efficiency is my favourite.Yes, if my friends do need a agent.

Regards,
Hui Mei | 30+ | QS Professional

Biggest Discovery with Rene

Hi Everyone ,

Good explantion on the insurance product base on the my condition and need.

Able to assess and give a good recommendation of protection needed to be improve on my current situation.

Biggest discovery thru this meeting was the how insurance package could impact the protection management.

Experience that gain from meeting which there is alternative investment oppotunity/platform to achieve the financial goal.

This is great which can mutual sharing of knowledge for protection management as part of the financial planning. In overall the queries are with the excellent reply and resonable answer compared to the first appointment meet up.

I would like to strongly recommend to others as she has done the great job to assess, analyse the client current protection portfolio and give a good recommendation. Sincerity is one of the score key point thru out the meeting.

Regards,
Wang Sheng |30+| Engineer

Caring and Responsible

Hi Everyone ,

Rene, she is jovial, caring and responsible person. You will feel comfortable sharing and spending time with her. All my queries were answer patiently in details. I'm happy acquiring her service, and would highly recommend her to my friends and family.

Regards,
Hebe | 30+ | Triathlon

Integrity and helpful

Hi Everyone ,

Rene is great and helpful insurance agent. she is extremely accomodating and hardworking. she put my interest ahead of her own.

Rather than simply selling me a new policy. she closely reviewed my existing term policies. (that i worked with other agent) and found for me a valuable conversion feature, allowing me to get whole life at a great rate.

She is not just purely recommended and sell investment products to me. Moreover, she will follow up the market movement and keep updating me the status on time. so that i won't miss out my info.

I satisfy the service that she provided.
i would highly recommend Rene to anyone.

Regards,
Agnes | 40+ | Manager

Satisfaction ,Good service

Hi Everyone ,

I’m very pleased and happy with the awesome service that Rene has provided to me and my family.

Rene remains professional in her area of expertise, she provide diligent service, and also resourceful and knowledgeable.
She is transparent in our discussion. She try to understand the needs and objective of my family requirement and provide great options for comparison to suit our needs.

She provides diligent service and fast response whenever I need her advice or any claim matters. She will make the effort to come and meet me within the day or two and assist me to make my claim.

Before buying from her any policies, she will give thorough details and good understanding of the pro and cons for the plan that she recommends. For all our doubts, she will try to answer those and not leaving us in doubts.

I will not hesitate to recommend Rene to anyone who is looking a responsible and responsive agent to assist them in meeting their insurance and investment needs.

Regards,
James | 40+ | Logistics Manager

Responsible Financial Consultant

Hi Everyone ,

I know Rene from Church about several years ago.

She is a responsible person not only to family and friends but also in her insurance industry .

she provide good service and clear explanation. Showing me what I need and help with my financial planning with my current income and future direction.

She a realible agent and I'm will highly recommend her to my family and friends.

Regards,
Kaydes Wu | 20+| Plant Designer

Meet someone interesting

I know rene through my friend, as last time i wishes to find some lobang to have some investment. That why rene come to my life. She very helpful and quiet tranparent. During the discussion she will give her professional advise and help us have better understanding on the things. Thus, i would recommend rene to any of my friends.

Jiou Woan| 30+| QS Professional

Passionate and helpful

Hi Everyone ,

Buying an insurance policy is not a difficult task but finding an Financial Consultant that can really help us to purchase the plans that meet our needs is an extremely daunting task.

We are lucky to have Rene as our financial consultant to assist my family and I to purchase the insurance plans. She explained to us with patiently and very detailed before we make any purchases.

She ables to point out the advantages and disadvantages of every plans and helped us understand our needs through analytics so we can choose the suitable insurance policy.

She is very passionate and love her job that makes us feel secure to have her as our financial consultant as we know for sure she is able to provide us with professional services after we bought the policy.

I am sure that she will be a great help to anyone who wants to secure their future too.

Regards,
Joseph ｜30+｜ Producer

My lovely Financial Consultant

Rene is a wonderful and cheerful financial consultant who sincerely cares and bring joys to anyone she meets. The sharing session with her is always like an outing which are relaxed and joyful. She takes pride in her financial consultant role. During the review session, she will try to understand customers’s need and budget, answering client’s questions before introducing any plans. Most importantly, she never hard sells and she is very professional and responsible. She will provide a summary of portfolio and arrange annual policy review with her customers. Strongly recommend Rene to my friends.

Xiao Ling | 30+| Senior Pharmacist

Journey with Rene

Hi Everyone ,

Rene is a smart girl with good character. I knew her for more than 10 years as she was my university classmate who always had fun and joy with me. She is very trustworthy and provides excellent service. She has made the process of dealing with insurance easy and painless. She made recommendation that suits my current lifestyle, expenses and retirement goal. Most of my enquiries were answered patiently by her professionally. I appreciate her post sales service by frequent updating me on any changes of my insurance policies. Thus, I would recommend Rene to any of my friends or family.

Regards,
Ashley |30+| Manager

Love to have her as my financial consultant

Hi Everyone ,

I have known Rene for many years. She’s not just my financial advisor also my friend and even family. She always understand my perspective, circumstances and my needs to suggest the best plans that suit me. She’s very helpful, definitely also professional and compassionate about her job. I trust her with all my heart and can open up to her comfortably. I would like to recommend Rene to anyone!

Regards,
Emelone | 20+ | Accountant

Love to meet her always

Hi Everyone ,

Different from my experiences with other financial consultants, Rene is the one whom I don’t mind meeting up with and get financial planning advices from. She will always understand my needs, wants and conditions before recommending the right products to me. One very important thing to me is that she is not forceful and would not make me feel uncomfortable during the meet up. She is also humorous and hence the sessions with her are not only useful but fun too! Will definitely recommend her to my other friends!

Regards ,
Yen Shin |30+|Senior Auditor

Rene Goh

Prudential Senior Financial Consultant

Rene Goh

Prudential Senior Financial Consultant

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