Personal Advisory

Nurturing Success for Life

 

At IPP, we believe in telling you what you need to know – not what you want to hear

 

We believe in being here for you at every step of your personal financial journey. Our advisers specialise in developing impactful wealth strategies and identifying effective solutions in key areas of wealth such as protection, accumulation, management and distribution to help our clients succeed financially.

We aim to establish a close relationship with our clientele of working professionals and business owners so that they are always comfortable in turning to us for financial advice and solutions. And, as befitting our position as your trusted personal wealth adviser, we believe in telling you what you need to know – not what you want to hear.

Financial Planning

Financial planning is essential to ensure that you maintain and grow your financial wealth over time. Your IPP Adviser will …

 

Financial planning is essential to ensure that you maintain and grow your financial wealth over time. Your IPP Adviser will work with you to help optimise your Income and Savings so that you reach your financial goals even as your priorities change. Smart financial planning will not only provide Financial Security for you and your loved ones throughout your life and through Retirement, but also ensure that you leave an enduring Legacy for your children, your grandchildren and generations to come.

At IPP , we consider your financial planning under our 4 Wealths Model

  • Wealth Protection
    Protecting what you already have and your future worth
  • Wealth Accumulation
    Growing what you have
  • Wealth Management
    Optimising what you have
  • Wealth distribution
    Passing on what you have
BE PREPARED FOR EVERY EVENTUALITY
Nothing is guaranteed in life. Even with the best-laid plans, accidents and illness can strike when least expected. It makes sense to be financially covered if and when they do. In the unfortunable event of an accident or debillitating illness, or lost or damage to your personal possessions, you want to make sure that you and your family remain financially secure.

Your IPP Adviser will assess your needs based on your current sitution, your dependants, your assets and your existing coverage to make sure that, in the event of premature death, total and pernament disabillity, long-term medical illness, loss or theft, your family’s standard of living is not compromised.

Put into context with your overall financial plan, your IPP Adviser will recommend the right amount of life, health, home, car and prossessions insurance, balanced with long-term savings and investments to help keep your loved ones protected while creating a substantial financial estate.
MAKE IT HAPPEN
Inflation is a fact of life. Even the most prudent saver cannot stop accumulated funds from depreciating in value over time when interest rates fail to rise above inflation. In short – you need to invest to see your money grow over time.

At IPP, you have access to a qualified adviser backed by a team of Investment Specialists, who are dedicated to giving you expert advice and support to help you grow your money and meet your investment goals. By investing with set objectives in mind, you can buy that home, yacht or car, put your children through college, travel the world, or otherwise live out your dreams.

Your IPP Adviser will first assess your investment objectives and risk profile before coming up with a plan designed to suit your risk appetite and meet your financial goals within a given time span. He/She will help you determine the investible proportion of your current savings and monthly income and calculate the return needed to help you meet your objectives in time.

The IPP organisation has been advising clients in the areas of investment planning and asset allocation since our founding in 1983. Our comprehensive range of Investment Management services include:

  • Strategic and Tactical Asset Allocation
  • Investment Selection
  • Risk Exposure and Risk Mitigation Techniques
  • Portfolio Optimisation
  • Portfolio Monitoring and Portfolio Rebalancing
  • Regular Savings Plan
 
GIVE YOUR CHILDREN THE BEST START IN LIFE
When your children are at the age to enter tertiary education, they reach a point where the right decision could determine their success for the rest of their lives. Naturally, as their parents, you want to make sure that you have the financial means at that point to give them the best education money can buy.

It makes sense to start planning for that education early, especially given the rising costs of both local and overseas tertiary education.

Your IPP Adviser can help you determine how much you are going to need for each child, taking into account inflation and the projected costs of education, and how you are going to achieve the desired sum at the required time. With the right plan in place, when your children are ready for a university education, the funds will be available.  
IT’S NEVER TOO EARLY TO PLAN
Retirement may seem a far-off event, and planning for it can pose a challenge when life’s more immediate priorities demand your hard-earned cash. Add to that the impact of inflation on your accumulated savings, and what you have managed to save by the time you retire will not have the same spending power then as it does today. The reality is that most individuals are not planning adequately for their retirement, especially as people are living longer and could spend as much as half of their life in retirement.

CPF funds and corporate pensions are often insufficient to provide the retirement income needed for you to be able to maintain your present lifestyle indefinitely when you stop working. The earlier you start planning for your retirement, ideally as soon as you start working, the more wealth you will be able to accumulate to live out your golden years in comfort.

Your IPP Adviser will sit down with you and assess your current financial status, taking into account the passive income generated from your other investments and the kind of lifestyle that you want to lead in your golden years, and will recommend a plan to ensure that your retirement goals are met.  
LEAVE A LASTING LEGACY
Estate planning ensures that your wealth is seamlessly passed on to future generations according to your wishes. Your IPP Adviser will work with you and your lawyer to keep your estate plan up to date through changing economic and family circumstances, protecting the assets you wish to leave to your beneficiaries.

Supported by IPP’s comprehensive range of strategies and solutions, we will advise on assets, property ownership, trusts and wills to ensure that you leave a lasting legacy.  

Insurance Advice

While life offers no guarantees, it is good to know that you can protect yourself and your loved ones with …

 

While life offers no guarantees, it is good to know that you can protect yourself and your loved ones with a comprehensive range of insurance solutions available at IPP.
Life insurance can comprehensively meet most of your financial objectives at every stage of your life. Apart from providing financial security against life’s unforeseen situations, it can also serve as a wealth accumulation and wealth distribution tool.

IPP has access to one of the widest selections of insurance providers globally, enabling us to provide objective and unbiased recommendations to our clients.

Your IPP Adviser will conduct a detailed analysis of your financial and lifestyle circumstances, taking into consideration your existing coverage and available resources, before making recommendations that will ensure you have adequate coverage to meet your needs.
When you are healthy, it is not easy to appreciate the devastating impact that an accident and critical illness can have on your life and your family. In addition to the rising cost of medical treatments, consider the financial consequences of permanent or temporary loss of income due to the inability to work, should you be hospitalised. When you or any of your loved ones are ill, the last thing you want to be thinking about is your financial security.

Your IPP Adviser can help you put in place the necessary plans, now that you are healthy, to ensure that your medical expenses are taken care of should you need medical treatment down the road. Discuss the many options with your Adviser, who will consider any current healthcare coverage provided by your employer as well as your Medisave contributions and your Medishield Life policy before making any recommendations. You will find that most health insurance and personal accident policies will pay the expenses for medical treatment. Others may make regular cash payouts for each day you are not able to work or are hospitalised. Some might even pay for long-term nursing care and out-patient treatments as you make your recovery.
You’ve worked hard over the years to create a home for you and your loved ones filled with possessions that have financial and sentimental value – the very things that make your house your home. Personal General insurance gives you peace of mind knowing that should your possessions be stolen, lost or damaged through an insured event, you will be able to make repairs and replacements without incurring devastating financial losses.

Ask your IPP Adviser about our extensive range of coverage including Home and Home Contents and Motor insurance as well as Travel insurance, which will continue that protection as you travel overseas.

Investment Advice

Investing with limited knowledge, experience or time to manage your investments in an ever-changing market environment could be the …
Investing with limited knowledge, experience or time to manage your investments in an ever-changing market environment could be the quickest path to losing a substantial portion of your wealth. By engaging an investment professional, you will have greater certainty of meeting your wealth accumulation goals.
Investment Management

At IPP, our advisers work closely with our investment team, who provides them with robust research on the latest developments in global economies and markets. Taking this information into consideration, along with your risk appetite, your financial goals and your investment timeframe, your IPP Adviser will determine an investment portfolio designed to meet your objectives. We will monitor this regularly to ensure that your portfolio stays aligned to your long-term investment goals. Depending on what is most suitable for you, discussions with your IPP Adviser could include:

  • Strategic and Tactical Asset Allocation
  • Investment Selection
  • Risks Exposures and Risk Mitigation Techniques
  • Portfolio Optimisation
  • Portfolio Monitoring and Portfolio Rebalancing
  • Regular Savings Plan

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