15 October 2024
Money and Me: Figuring out your rate of spending
Host Michelle Martin says this may be the most important episode to help you plan your retirement successfully! This episode of Money and Me features Christopher Tan, CEO of Providend, as he shares expert insights on navigating the complexities of retirement spending. They discuss the sustainability of the popular 4% withdrawal rule, balancing life expectancy uncertainties, and why life decisions should precede financial ones in retirement planning. Christopher explains common pitfalls in retirement withdrawals and explores prudent strategies that align financial planning with real-life needs, especially as life expectancy trends upward. Perfect for anyone nearing retirement and concerned about sustaining their wealth through retirement.

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Listen To His Previous Podcasts:

27 September 2024
Money and Me: 6 core lessons on Money, Investing and Ideas on Purpose after a CEO's trip overseas
Join Michelle Martin as she delves into the financial insights of Chris Tan, CEO of Providend, who has just returned from his business trip across San Francisco, Dallas, and Austin. Is the grass at the end of a long-haul flight always greener? Discover how this trip has impacted Chris deeply. Tune in for an engaging discussion on making one's way in the world, what wealth management head honcho's are doing more of in the US and finding your "ikigai" or joy. Hosted by Michelle Martin with guest Chris Tan, CEO of Providend.

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2 August 2024
Money and Me: The Three C's to growing your wealth
Although he deals with the affluent who pay for complex strategies to wealth this CEO takes helps us understand where the "everyman" should put their cash to work to grow their wealth. Christopher Tan CEO of Providend joins Michelle Martin for the conversation where both keep things simple to help us all make better choices with our cash.

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3 July 2024
Money and Me: "What I would do with my money if I were 20" featuring Christopher Tan, CEO, Providend
Send this episode packed with financial treasures learnt on home ground onto a young person you love! In this priceless episode, Michelle Martin invites a veteran wealth management leader, 54-year-old Christopher Tan, CEO of Providend to take us back into his personal history. Dive into the exciting yet often confusing journey of managing finances in the second decade of life.
Christopher shares invaluable tips he wishes he knew at that age, common financial mistakes, and the evolution of his approach to saving, investing and insurance. Discover how prioritizing and "decluttering" can shape resilient wealth management strategies.

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19 June 2024
Money and Me: Maximizing CPF LIFE
Michelle Martin and guest Christopher Tan, CEO of Providend, delve into the intricacies of CPF LIFE. Discover how CPF LIFE works, and learn strategies to maximize payouts. Explore the risks retirees face and how to mitigate them so your silver years are comfortable.
Compare CPF LIFE with other annuities, and get the checklist on how to decide on the best CPF LIFE plan for your needs. Whether it's topping up your RA or deciding on a payout strategy, we have the expert insights to help you navigate your retirement planning today.

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17 May 2024
Money and Me: The exit plan business owners need to know
How should business owners integrate their business into wealth planning? And what are the varieties of exit strategies for SMEs in Singapore that are increasingly being considered given the current climate of business? Michelle Martin asks Christopher Tan, CEO, Providend.

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3 April 2024
Money and Me: More than 5% yield? Why are money market funds popular?
What is a money market fund? Should you keep your emergency fund in one one? How safe are these instruments? Michelle Martin finds out with Christopher Tan, CEO, Providend.

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8 March 2024
Money and Me: What are the best options to replace the 4.08% interest rate of the special account given the closure of the SA after age 55?
Christopher Tan helps us with the math involved in choices related to the closure of the CPF-SA account (for those turning 55 from next year). How can we best optimise our CPF contributions? Is trying to outdo 2.5% in your OA by funneling funds to investments a good benchmark to use? Why doesn't Chris celebrate IWD?
Michelle Martin puts the pressing questions of the day to the CEO of Provided, Christopher Tan.

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14 February 2024
Money and Me: This is how you find your ikigai
If you search up the meaning of 'Ikigai' in the Oxford English Dictionary, it describes the concept of "a motivating force that gives one a sense of purpose". But why is it still so often misunderstood today?
Michelle Martin invites Christopher Tan, CEO, Providend to find out the true principles to ikigai and how we can effectively integrate into our lives as we continue our pursuit of fulfilment and purpose.

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9 January 2024
Money and Me: From pre-emptive spending to belt-tightening, how are some navigating the GST increase to 9%?
What do you need to factor in to make calculated financial decisions in the context of rising taxes and possible lower interest rates? Michelle Martin and Christopher Tan, CEO, Providend discuss how you can accommodate the higher GST rate while saving spending and investing in 2024.

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15 November 2023
Money and Me: How to move from financial security to independence and what keeps some back
Michelle Martin speaks with Christopher Tan, CEO, Providend to find out how to ascend the financial ladder and what holds some - even the millionaires - back.

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20 October 2023
Money and Me: What could you do with $100,000 today?
Here's the dilemma that many of us are faced with: Should you invest in a lump sum or in smaller increments over time, a strategy known as dollar-cost averaging? Find out the answer with Michelle Martin and Chrisopher Tan, CEO, Providend.

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5 September 2023
Money and Me: Are ILPs an affordable way to accumulate wealth?
Should you buy an ILP if you already have an insurance plan? Is an ILP a practical way to save for retirement? Michelle Martin breaks down the crucial questions that you need to know about ILPs with Christopher Tan, CEO, Providend.

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3 August 2023
Money and Me: How to use your CPF to help you plan for your financial future if you are self-employed
What is required of you in terms of your CPF contributions as a self-employed person? And how can self-employed people ensure they safeguard and plan well for their financial future? Michelle Martin asks Christopher Tan, CEO, Providend.

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7 July 2023
Money and Me: Hearing AI investment products being talked up? Here's how to look beyond hype
Want to jump on the bandwagon of buying investment products linked to AI? Why might putting your money on the latest investments themes not be the best idea?  Michelle Martin finds out with Christopher Tan, CEO, Providend.

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20 June 2023
Money and Me: What it takes for CPF OA’s interest rate to break above 2.5%
Unlike the CPF Special and MediSave Account, which will see an increase in interest rate to 4.01% per annum in the third quarter of this year, the Ordinary Account will remain unchanged at 2.5%. And that’s sparking debate on the need to further increase interest rates to fight inflation!
Joining Dan Koh on Money and Me, is Christopher Tan, CEO, Providend to discuss the significance of the 0.01% increase in interest rates, the odds of the OA rates increasing, and if you should be topping up your CPF accounts or investing your money to beat inflation.

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17 April 2023
Money and Me: ESG investing - higher returns?
Michelle Martin invites Christopher Tan, CEO, Providend on the show to discuss the key concepts investors need to know about ESG investing and the various ways you can invest in an ESG theme.

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14 March 2023
Money and Me: Can’t buy the dip? No worries, here is how to make smart financial decisions today
With growing anxieties around rising prices, how do we define what’s financially enough in this current economic climate? And what are some good ways to plan for that dream home and future family? Michelle Martin asks Christopher Tan, CEO, Providend.

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6 February 2023
Money and Me: Withdrawing a chunk of CPF at 65? What are the trade-offs?
Join Michelle Martin on today's episode of Money and Me as she weighs the pros and cons of withdrawing from your RA with Christopher Tan, CEO, Providend. They also look into the various changes we're seeing with the CPF this year and what these updates mean for you.

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6 January 2023
Money and Me: Money Lessons from a CEO for 2023
Where should you put your money this year, if investing in the stock market last year turned out to be disappointing? Michelle Martin asks Christopher Tan, CEO, Providend, as he shares his investment outlook for 2023 and how we can take action based on this strategy.
Also if he had $100 000, where would he put it in the market in 2023?

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6 December 2022
Money and Me: 2022 reflection - 3 lessons that will help you prosper both financially and in your personal life in 2023
What a year it’s been! From the unrelenting worry of high inflation, to the Ukraine War and even the possibility of a recession caused by an aggressive Fed, 2022 has been nothing but a box full of surprises.
Today on Money and Me, Dan Koh invites Chris Tan, CEO, Providend to reflect on the transitions that we have experienced in 2022, and 3 lessons learnt from these events that will definitely be useful to us as we step into this exciting new year.

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9 November 2022
Money and Me: How to maximize your wealth with safe investments and should you be investing your CPF-OA in T-bills?
With banks raising interest rates for Fixed Deposits and equities falling, should we be keeping cash and only deploy it in the markets when things are clearer? And between Fixed Deposits, Singapore Savings Bonds and T-bills, how do we decide which is best for us?
Tune in to this episode of Money and Me as Zia-ul Raushan and Dan Koh speak to Christopher Tan, CEO, Providendabout all you need to know when delving into low-risk investments. They also discuss if it is wise to pay down our mortgage loan in full now given that interest rates are expected to rise further.

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7 September 2022
Money and Me: When markets are risky what should you do if you are planning to retire?
Should you be diversifying your portfolio with fixed income instruments (which some say everyone needs)? How can you evaluate retirement income plans some financial institutions may be marketing? Christopher Tan, CEO, Providend lays a holistic blueprint out for what to do in uncertain money markets if you are retired and need to live off your savings for the next few years or if you are planning for retirement soon amidst this high-inflationary environment

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2 August 2022
Money and Me: Mid-year reflections from a finance pro
"Enough is always elusive - when you reach it, you're not the same person you were when you first decided where your line was" Investors have all sorts of different motivations and aspirations driving them and sometimes it's important for us to pause and take stock of our financial portfolios and personal lives. Michelle Martin invites seasoned investor Christopher Tan, CEO, Providend to share his mid-year reflections on how stormy markets and personal family milestones will shape his approach moving forward.

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30 June 2022
Money & Me: How can investors respond to today's market turmoil?
With today's markets plagued by rising interest rates, inflation & supply chain issues, how should investors respond in this period of market uncertainty and the looming possibility of recession? Christopher Tan, CEO, Providend shares with Michelle Martin his analysis of the present market conditions and his recommendations on how investors should be managing their portfolios in this climate.

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13 May 2022
Money and Me : CPF LIFE: What are your choices?
What decisions could you take if you wanted to maximise your benefits from CPF Life? How different is it from a private annuity? Michelle Martin finds out with Christopher Tan, CEO of Providend.

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13 April 2022
Money and Me: Is your insurance coverage giving you security, freedom and provision for your future goals?
Michelle Martin and Christopher Tan, CEO, Providend discuss tailoring insurance for your financial requirements.

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24 January 2022
Money & Me: Is End-of-life planning important for you and your family?
What is an ACP, an LPA or an AMD? These are some important acronyms to know when it comes to end-of-life planning. Michelle Martin and Christopher Tan, CEO, Providend break down each one, and discuss how much end-of-life planning costs and why it's priceless for peace of mind.

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22 December 2021
Investment Lesson
In this edition of Money & Me, Michelle Martin talks to Christopher Tan, CEO, Providend about his investment lessons for 2021 and why it's not too late to get an insurance policy in your retirement years as part of end-of-life planning.

17 December 2021
Money & Me: Year-end reflections on personal finance matters in 2021
Which account which you can open at any local bank should you set up before mid next year could save you withdrawal fees? Christopher Tan, CEO, Providend shares with Michelle Martin his top lessons on investing, medical insurance, IP's and planning ahead.

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26 November 2021
Money & Me: Do you need Careshield Life?
Money & Me: Do you need Careshield Life?Michelle Martin and Chris Tan, CEO, Providend discuss your choices with schemes like CareShield Life and ElderShield Life, how these policies work, what they cost and why we need them.

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12 November 2021
Weekly Wrap Up: More specialists on IP insurance panels - What does this mean for you
Starting on Tuesday (Nov 9), two measures will be introduced to tackle commonly voiced issues about Integrated Shield Plans (IPs) in Singapore. The two measures include a new clinical claims resolution process to resolve disputes over insurance claims, as well as IP insurers having more specialist doctors on their medical panels. Christopher Tan, CEO, Providend, shares more about these new measures and how they could impact consumers.

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22 October 2021
Money and Me: How to think through ESG investing
With so many data points how do you navigate greenwashing? What are the different ways you can invest in ESG? Michelle Martin finds out with Christopher Tan, CEO of Providend.

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20 August 2021
Money and Me: Monetising your home and business for retirement: What are your options?
Michelle Martin and Christopher Tan, Founder and CEO of Providend look at DBS' Home Equity Income Loan scheme and discuss ways the asset rich but cash poor can ready themselves for retirement

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28 July 2021
Money and Me: Who benefits from CPF shielding?
Michelle Martin and Christopher Tan, Founder & CEO, Providend discuss CPF shielding, the risks and considerations involved.

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18 June 2021
Money and Me: Will you need $1.4 million to retire?
Christopher Tan, Founder & CEO, Providend and Michelle Martin discuss how much one really needs in CPF and investments, to live a "good life" in retirement.

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14 May 2021
Money and Me: Should you 'sell in May and go away' or does this seasonal pattern not hold true in times of crisis?
Christopher Tan, Founder & CEO, Providend and Michelle Martin discuss the top-of-mind, investment rhyme for May, inflation and timely allocations.

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16 April 2021
Money and Me: What the changes to the Integrated Shield Plans from 1 April mean for you
What are the changes to the Integrated Shield Plan and how do you ensure you make the best choices for your interests? Michelle Martin and Christopher Tan, Founder & CEO, Providend discuss.

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19 March 2021
Should you invest in cryptocurrencies?
Michelle Martin and Christopher Tan, CEO of Providend discuss cryptocurrency from an investors perspective, how to trade cryptocurrencies and decisions to make before you invest in cryptocurrency.

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19 February 2021
Money and Me: Is value investing still a worthwhile strategy?
How do you determine if a stock is cheap? How has value investing recently performed? What can we learn from Berkshire Hathaway's 3 “ secret buys”? Michelle Martin finds out in conversation with Christopher Tan, CEO of Providend.

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18 January 2021
Money and Me: Do you need a ULP?
Michelle Martin and Christopher Tan, CEO of Providend break down the need for a universal life policy, traditional vs variable universal life policies and a ULP as a contingency plan.

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4 December 2020
Money and Me: Investing in Index Funds
Michelle Martin speaks to Christopher Tan, CEO at Providend to discuss options for retail investors with index funds, key things to look out for before investing in index funds and getting access to the right funds.

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11 October 2019
Money and Me: Money Wisdom for Financial Wellness
Christopher Tan, CEO of Providend and Executive Director of MoneyOwl talks about his new book, 'Money Wisdom: Simple Truths for Financial Wellness' and shares his advice on what are the four things about CPF you must know to better plan your retirement.

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19 August 2019
Money and Me: Making Your CPF Work for You
Join Michelle Martin, as she speaks with Christopher Tan, CEO of Providend and Executive Director of MoneyOwl, to tell us all we need to know about making the most of our CPF monies through smart investment moves in preparation of our retirement finances.

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13 August 2019
Money and Me: Let's Talk Property Investing
Join Michelle Martin, as she speaks with Christopher Tan, CEO of Providend and Executive Director of MoneyOwl about everything you need to know about Property Investing! How is it different from other forms of investments? Is it a good time to buy into it now? Are there major obstacles and how do we overcome them? All these questions, and more will be answered.

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3 July 2019
C360: How workers in Singapore can differentiate themselves and advance their careers in an increasingly competitive global workforce
Imagine working from home in your pajamas or spending half the workday taking care of your kid and then the other half at work. Christopher Tan is the founder of Providend, a licensed financial adviser and a registered fund management company with MAS. They began offering FWAs from the start in 2001!

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24 June 2019
How Banks Are Helping Singapore’s Aging Population
Statistics show that 1 in 4 Singaporeans will be aged 65 years and older by 2030, which is up from 1 in 8 today. Adam Tan, Head of Branch Distribution, Maybank Singapore and Christopher Tan, CEO of Providend and Executive Director of MoneyOwl shares more about how banks are helping to plan for one's retirement and what can we do to retire comfortably.

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