Endowus has launched a new client feature series known as On the Money.
Here, we feature real clients sharing their investment philosophies and the life stories that have shaped how they view money and wealth.
How we save, spend, and invest are choices that impact not only our financial well-being, but also our peace of mind and outlook on the future. Each individual is different, and we hope to provide their unique perspectives as our series expands, while also identifying consistent themes — such as the challenges in preparing for long-term financial needs.
Together with us, our clients are advocating our mission to help people invest better so they can live easier today, and better tomorrow.
We hope these stories will inspire you, as they did for us.
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Out of the hustle, into financial freedom
Run a business, make music, film TikTok skits, start a family, take care of his parents — Benjamin Kheng wants to do it all. As someone who wears many hats (figuratively and literally), struggles to understand basic financial concepts, and is extremely risk-averse, he used to shy away from investments. But Ben has since realised that achieving financial freedom can be simple and help him pursue his many lofty dreams.
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Leaping into life to land on her terms
Because her life choices often come out of left field, stability has not always been a given for Michelle. That has cemented, for her, the importance of prudent money habits and long-term wealth accumulation. It also helps that she’s a woman of few wants — living a fulfilling yet low-maintenance lifestyle comes easy.
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Food on the table — and then some
An expensive pet dog is about the extent of the luxuries in Andrei’s life. The down-to-earth chef and food consultant revels in simple pleasures — be it feeding hungry diners, or seeing his investments grow over time. Now that his business has survived the Covid-19 crisis, he is careful not to become complacent with his finances.
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When geeks inherit the earth
A plunky university student turned young tech entrepreneur — that sums up the business journey of Jackie Lee, who founded online portal HardwareZone so any regular consumer will be able to get first intel on the best tech buys. Learn why this early gamble that whittled down his savings to less than $10 at one point remains less scary than bad advice to load on leverage in investments, and how he sees Endowus as a trusted confidant.
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Investing right through every season
Jeremy Sng lived the high-powered investment banker life before easing into his career iteration as a fintech professional, having learnt to shift gears to navigate through speed bumps and life’s seasons. His next milestone? A smooth ride to financial freedom for a retirement on his own terms.
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Brave your investing fears
Behind all the glitz and glamour, Joanne Peh is your regular Singaporean — weighing the cost of cab fares and admitting to acing A-level economics for the grades alone. But if she could have done it differently, she would have re-learnt the truer lessons behind economics and embraced the power of compounding to grow her wealth sooner. Having changed her mindset on investing, she hopes to teach her children how to look at money with a more open mind.
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Dressed for financial success
Financial security wasn’t something that Rachel had the privilege of growing up with — her father went bankrupt when the Asian Financial Crisis hit in 1997. But what that episode taught her was to work hard for the things she wanted, and that money never comes easy.
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The thrifty millionaire
A bucket of fried chicken was the highest form of luxury for young Loo Cheng Chuan, or Loo as he is more affectionately known today. For the “CPF millionaire” still living out of a HDB flat, that frugal past hasn’t left him. But it comes with a valuable caveat: financial freedom isn’t achieved through saving alone, but through investing over time. To Loo, feeling like a million bucks doesn’t come from indulgences; it comes from winning in his investment journey — and enjoying the simple life.
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When saving is not enough
Saving has always been a top priority for Nuraliza. From young, she was taught the hard-earned value of money by doing family chores for a little extra cash. But a brush with cancer in her 30s had nudged her to rethink her finances more holistically and take a closer look at investing — with diversification as the first step.
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Financial wellness is music to his ears
As a musician, Li-Wei always stayed focused on honing his craft. But a drastic change in financial stability over the span of one year caused him to realise that the notes that mattered were not just those on the music scores.
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Ready for the next adventure
Can money buy happiness? Not directly, maybe, but it does give Sachin an enhanced peace of mind to pursue invaluable life experiences, like working on a passion project or spending time with family. Sachin and his wife are firm believers of investing to grow their wealth, but their investment philosophies could not be more different. How does the couple navigate their differences?
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In crises, lessons on diversification
Kenneth grew up quicker than most teenagers, with the Asian Financial Crisis striking his family finances hard. He learnt another tough lesson when his Lehman stock was wiped out when the investment bank fell to its knees during the Global Financial Crisis. His early battles through two major crises led him to emerge into a fitter, better investor today.
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Ants, grasshoppers and financial freedom
Are you the Grasshopper or the Ant? Pierre chooses a French parable La Cigale et La Fourmi to show how he had inherited two opposing views when it comes to money — being a spender (Grasshopper), or a saver (Ant). How did he come around to reconciling the two? By embracing the best of both worlds.
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From wanderlust to peace of mind
The wanderlust in Genevieve brought her to 80 countries on a shoestring budget (and stories to tell) by the time she turned 30. For her husband Feng Yuan, gaining life perspective led him to a silent meditation retreat in Thailand — sleeping on a wooden bed, taking cold showers and living on one vegetarian meal a day. The couple are welded together by their belief of having fewer material needs in life — what matters more is to have the experiences that empower them and their family.
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