FIKA Advisory

10/02/2026

Since breaking above US$2,000 in February 2024, gold prices have surged to above US$5,000 by early 2026, driven by sustained central-bank accumulation, heightened geopolitical uncertainty, and renewed discussion around a potential revaluation of U.S. gold reserves, among other things.

Yet for many investors, critical questions remain: Have I already missed the move? Is gold now experiencing a late-cycle, speculative surge - or are we still in the early stages of a multi-year repricing driven by deeper structural forces?

This seminar examines the drivers behind gold’s recent performance, and explores whether the present rally may represent the early phase of a longer-term shift in the global monetary and financial system.

Investing in Gold: Too Late… or Just Getting Started? will be taking place on Investing in Gold: Too Late… or Just Getting Started?. Register now so you do not miss out.

25/11/2025

The official Retirement Age will be raised from 63 to 64 starting July 1, 2026! Concurrently, the Re-employment Age will also rise from 68 to 69.

This is part of the Government's plan to help senior workers who want to continue working and improve their retirement adequacy as we live longer lives. The ultimate goal is to reach a Retirement Age of 65 and Re-employment Age of 70 by 2030.

What does this mean for you?

Longer Statutory Protection: Workers who are eligible and wish to work longer will have statutory protection against age-related dismissal until age 64.

More Earning Years: The option to continue earning income until 69 (via re-employment) provides a crucial boost to your CPF savings and overall financial security.

Time to Adapt: The move is announced early to give both workers and companies ample time to prepare, upskill, and adjust their manpower plans.

Whether you're planning your exit or looking to stay active, this change impacts everyone's long-term financial strategy.

Source: https://www.straitstimes.com/singapore/politics/s-pore-retirement-age-to-go-up-to-64-in-2026-re-employment-age-to-rise-to-69



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27/10/2025

What’s the most important thing you pay for every month?

For many, it’s the peace of mind that comes from knowing your family is covered, no matter what tomorrow brings.

That’s where Term Insurance shines. It's the ultimate financial safety net for your most important years.

It's simple, affordable protection:

✅ Pure Focus: It’s all about protecting your income for a specific period (like 10, 20, or 30 years)—when your mortgage, kids' education, or other debts are highest.

✅ Surprisingly Affordable: Because it's "pure protection" without the investment components, you can often secure $500,000 in coverage for the price of a streaming service or a few coffees a month.

Don't leave your family's future to chance. A quick conversation is all it takes to get the coverage you need.

➡️ Ready for some real peace of mind? Comment "INFO" below or click the link https://engage.fa.com.sg/elvinhuang for a quick, no-obligation quote.

25/10/2025

The Secret to SRS: Don't Just Save, Strategically Pause & Invest.

We call it the Strategic Pause.

The Supplementary Retirement Scheme (SRS) gives you a great tax break, but most people stop there, leaving their funds to grow at a sluggish 0.05% interest rate.

At FIKA Advisory, we challenge that. The true power of SRS is not just the tax relief today, but the tax-free growth you can achieve for tomorrow.

Your SRS check-list for a secure future:

✅ Contribution Done: Maximize your tax relief before the year-end.

✅ Pause & Plan: Schedule a call to discuss how your SRS funds fit into your complete financial picture.

✅ Action on Growth: Let's look at carefully selected insurance and investment options that aim to compound your SRS savings, so only 50% of your gains are taxed at retirement!

Ready to stop leaving growth on the table? Let’s take the pause to build a more resilient financial future.

📞 Book your free strategy session via the link in our bio!

15/05/2025

🚗 Compare the best Motor Insurance in Singapore! 🚗

Save time and money with our Motor Insurance Comparison Tool. Get the best value, tailored to your needs in minutes. No more hassle, just the right coverage.

👉 https://engage.fa.com.sg/compare-motor-insurance/?a_aid=hairildaud


FIKA Constellation
ハイリル ダウド

Simplify insurance. Secure your ride.

Kereta Singapore

15/05/2025

🌟Compare the best Travel Insurance in Singapore! 🌍✈️

Hello Travel Enthusiasts!

Explore the world worry-free with our Travel Insurance Comparison Tool! 🌐

🕒 Save time ⏰
💰 Get the best value insurance 📈
🎯 Tailored to YOUR needs 🧳

Click on the link below for a hassle-free travel insurance experience!

👉 https://engage.fa.com.sg/compare-travel-insurance/?a_aid=alanshin

FIKA Constellation

30/11/2024

💡 Is the Supplementary Retirement Scheme (SRS) Worth It? 💰

If you’re thinking about growing your retirement nest egg while saving on taxes in Singapore, the SRS could be your secret weapon! 🛡️ Here’s why:

Tax Benefits – Contributions to SRS are eligible for tax relief, and only 50% of withdrawals after retirement are taxable. That’s major tax savings!

Grow Your Savings – Invest in stocks, bonds, ETFs, and more to boost your retirement fund and let compound interest work its magic.

Investment Flexibility – Tailor your portfolio based on your risk tolerance and financial goals. More control, more potential returns!

Things to Consider – Funds are locked until retirement, and early withdrawals come with penalties. Choose wisely!

Want to start planning for the future? SRS could be the key to a financially secure retirement. 🔑

Ready to take the next step?

Comment below or DM us to learn how you can start saving today!

26/11/2024

Ever feel uneasy when the market dips? 🤔

That’s your risk tolerance talking! It’s how comfortable you are with investment ups and downs. Knowing your risk tolerance is KEY to making smart investment choices that align with your goals and peace of mind. From cautious to adventurous, there’s an investment strategy for everyone. Need a Hand?

Figuring out your risk tolerance is a great first step. I can help you fine-tune your investment strategy and build a portfolio that fits your unique risk comfort zone and helps you reach your goals.

Ready to take the next step?

Comment below or DM us to learn how you can start saving today!

25/11/2024

💡 Want to grow your wealth and secure your future? It’s time to start investing! 📈 Whether you’re saving for a new home, your child’s education, or a comfortable retirement, investing helps your money work harder for you. 🙌

Here are 3 powerful reasons to invest:
1️⃣ Grow your wealth faster than a savings account 💰
2️⃣ Beat inflation and preserve your purchasing power 💸
3️⃣ Build financial security and peace of mind 🙏

Not sure where to begin? Start with your goals, assess your risk tolerance, and consider working with an independent financial advisor representative to guide you through

Ready to take the next step?

Comment below or DM us to learn how you can start saving today!