Fiona Phang

Financial Consultant

Fiona Phang

Financial Consultant

“诚于心，信于行”

I specialize in helping individuals and families navigate financial challenges , focusing on wealth protection, wealth accumulation, and medium to long term insurance saving such as retirement planning or education planning and achieve their goals reflects a meaningful commitment to making a positive impact. In the financial industry, combining passion with expertise can lead to a rewarding and fulfilling career.

I enjoy meeting new people and getting to know people from different walks of life. With a passion to serve, my clients' needs are my utmost priorities. I believe in “A good financial plan is a road map that show us exactly how the choices we make today will affect our future”.  

Apart from providing a holistic approach to financial planning, meaningful and long-term relationships are what I value most. I am more than willing and happy to help you! :)   

Click on the WhatsApp icon to connect with me! ☀️

https://www.prudential.com.sg/FC-info

Work
- Fiona Phang Representing Prudential Assurance Company Singapore
Credentials

Newsletters

Articles Worth Sharing

Newsletter Issue 99: Incredible Moms

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.

In the pursuit of wellness, every small step matters. Discover how nourishing your body, staying active with intention, and making mindful choices can shape a healthier, more balanced life. From everyday nutrition tips to inspiring fitness journeys, find ways to thrive—body, mind, and spirit—one thoughtful action at a time.

Singapore’s Budget 2025 lays the foundation for economic resilience and community support. From financial aid and SG60 perks to business investments and digital growth, this edition unpacks key measures shaping the nation’s future. Discover how these policies impact businesses, families, and individuals in an evolving landscape of opportunities and challenges.

As Lunar New Year celebrations unfold and we gather with friends and family, let us remember that prosperity is not just about wealth and abundance but also about the wisdom shared and traditions passed down through generations. Amid the laughter, meals, and festivities—and the inherent hope and symbolism they carry—be kind and mindful to yourself and others, ensuring that the deeper meaning of heritage, connection, and togetherness endures beyond the moment.

As we enter the new year, it's the perfect time to celebrate endings and acknowledge our achievements. Embracing closure and recognising small wins fosters personal growth, resilience, and emotional well-being, transforming life's transitions into opportunities for reflection and reinvention as we move forward with intention.

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.

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，细节，为我定制适合我的保单👍🏻

本来是听说过有保新加坡和马来西亚两边，就去见见这位漂亮妹妹。介绍蛮详细很专业，细节上也会认真回答我，还会给比较适合我个人的保单，也会考虑我的经济问题帮我尽量降低费用，谢谢你❤️

Cavrine, early childhood interventionist

交谈过程很轻松舒服很细心

本身我是在新加坡打工～之前我一直都有考虑在🇸🇬再为自己买个保障。
在一次机会通过我男朋友而认识到Fiona 第一次见面她先了解我在🇲🇾保险后，再和我解释其实在新加坡也有很适合我们女性的保障👍

交谈过程很轻松舒服很细心让我当下确定为自己在新加坡买个保障买个安心❤️

EeXin, Administrative assistant

FIONA的专业讲解让我对未来更安心

我通过朋友的介绍认识了fiona 在fiona专业的介绍下，原来我们wp有很多的医疗保障，还有我一直想要了解的储蓄，也在fiona的专业讲解下了解了很多，替我们的未来经济和不安画上了一个保障。我觉得可以让更多人了解这方面的知识，保护自己。推荐👍

Zhi Hong, supervisor

负责任的理财顾问

机缘巧合下认识到Fiona，以前其实是对保险和储蓄没有很大的认知也不感兴趣，直到遇见Fiona。谢谢她让我了解到保险和存钱的重要性。重点是过程中是很舒服的聊天也不会硬推销，也是个很负责任的保险顾问😊很喜欢她的细心和耐心的解释，要买保险要存钱一定要找他

Kelly, Baker

为客户角度争取最大的收益👍🏻

通过朋友的介绍认识到了fiona，fiona在医疗福利方面和保障上有极大的知识与了解，除此之外fiona还会以储蓄收益人的方面以我们为中心点出发。为我们争取最大的收益。诚信出发，负责到底。我会把Fiona介绍给身边的朋友们👍🏻

HuiZhong, Baker | YinFung, Chef

交谈过程舒服不hardsales

很荣幸通过同事结交到Fiona，她很专业，也很好说话。在专业上，她会通过倾听与了解的方式为你提供适合你的方案。她也没有hardsales，就普通的分享并帮助。推荐！！！

Harry, interior designer

专业，细心的帮我做分析和讲解

很感恩通过朋友介绍认识到Fiona，她是一个很专业的健康理财顾问，在讲解那些理财健康规划的时候都很投入也很仔细，让我受益匪浅，可以很清晰知道自己所买的保险是如何运作以及如何去做好财务规划。

感谢Fiona你细心的分析与讲解，也让我了解到保险的重要性👍🏻👍🏻

Jun, Salesman

真诚且负责任的理财顾问

通过朋友认识巧莹的，详细了解保险，她是个特别认真特别善良特别为我们着想的女孩子，对工作也非常的负责任，作为朋友也是性格非常好，很好相处的一个人，我非常喜欢我买的储蓄保险，很高兴认识你！

Shuang, Teacher

Professional, knowledgeable and well customer service💯!

I recently had the pleasure of working with Fiona and I am thoroughly impressed with the level of service I received. She’s very professionalism and knowledgeable to understand my insurance needs and provided me with comprehensive options that were affordable and perfectly suited me. What stood out the most was her genuine commitment to ensuring I was completely satisfied and well-covered. Highly recommend!

Alfred, Sales Executive

很放心把理财规划交给Fiona👍🏻

Fiona很专业的在帮我分析，定制适合我的方案。过程中也不会强推👍🏻 有需要的时候Fiona也会帮我解决，有问题也会第一时间回复我～把保单交给她我很放心。如果身边有人想要了解理财规划我会推荐Fiona😊

Hui Peng

交談很舒服很耐心解答

通過朋友介紹認識Fiona，通過Fiona可以了解新加坡的保險是怎麼樣的模式還有存錢管道，她也耐心解答我的全部問題，也會分析個人要求來規劃，交談也舒服輕鬆，不錯👍

Alan, Chef

FIONA让我重新相信保险

非常感谢好朋友的介绍，通过朋友介绍认识到了Fiona，让我了解到身为一个马劳能够在新加坡得到一份性价比非常高的保单。

在交谈的过程中Fiona会给到我专业的知识和意见会为我分析几种适合我的保险方案，定制适合我的保单让我重新相信保险。

我也会把Fiona介绍给身边有需要的朋友

Thomas, interior designer

很专业的让我了解适合自己的方案

通过弟弟的介绍，认识了Fiona。
她很细心得去因每个人的情况和要求，去介绍适合的配套。利用他的专业去解答我各种不同的奇葩问题。全程就像是朋友这样在聊天，不会觉得负担。很难得遇到那么好的agent，如果有朋友需要保险的，我也会推荐Fiona👍👍

Dylan

原来msian在sg那么多福利

通过朋友介绍认识到Fiona，见面后了解了高利息的储蓄才知道新加坡有那么好的东西能让马来西亚人做，同时也很细心的帮我算了很多东西定制以我个人能力范围内的方案同事也是benefit我的。整个过程也很轻松

很难得遇到那么棒的agent
身边有朋友想了解保险和储蓄我都会把她们介绍给Fiona 哟。非常的推荐哟。

Elvin, Interior designer

专业&细心聊天过程好像朋友不负担

Fiona很细心对待每一位顾客，还很细心的根据我的个人需求和情况去分析帮我做规划，过程中没有强硬推荐！
而且Fiona很专业的回答了我所疑惑的问题让我学到了很多东西。身边的家人朋友都会推荐给Fiona👍🏻 💯

Soon, Chef

交谈很舒服不hard sell

通过朋友介绍认识到Fiona，见面后了解了保险和高利息的储蓄都很细心的帮我定制以我个人的需求和能力范围内。整个过程也很轻松交谈很舒服也不hard sell👍🏻也学到了很多东西也而且Fiona是个很负责任的agent，随时问问题都会马上回复我。
身边有朋友想了解保险和储蓄我都会把她们介绍给Fiona

Joan, Manicurist

讲解的很有耐心没有刻意推销

机缘巧合之下遇见耐心且漂亮的你。如果你没有上前一步来与我聊天，我也不会了解到合我心意的储蓄计划。感谢你踏出的一步帮助我在未来有保障。在讲解的时候特别的耐心，没有刻意的推销。慢慢的讲解和给计划，让我很满意。谢谢你。遇到有想要储蓄的朋友我定会大大推荐给你！🫶🏻

Debby, Teacher

FIONA为我定制适合我的方案

今天meet了fiona 了解保险和储蓄，她会依照你个人财务能力和需求去制定你的储蓄计划。

Fiona 人很友善，很健谈出来见面也不用担心会尴尬。即使当天我迟到了她还会很有耐心的等待😭，也不生气。过程中也不会hard sales 她会让你了解后自己做选择。

最后我推荐想要买保险大家可以找Fiona了解，因为她会为你量身定制符合你自己的保险计划，即使你在她休息天发问保险的问题，她也会回复跟你一一解释。

感谢fiona 让我了解到保险的重要性👍
Great experience with fiona👍

YuHung

Fiona 人很友善又很好！不会hard sell

Fiona 人很友善又很好！不会hard sell! Got to meet her previously through online business! She explain to me everything very thorough on how to plan my financial. It was really helpful for me in understanding more about financial planning. She also give suggestion and help me to adjust my financial planning to make sure these planning are suitable and comfortable for me. 谢谢你🫶🏻

Gelene

FIONA IS FRIENDLY AND PROFESSIONAL

Fiona is a super friendly and professional financial consultant. As a fresh graduate without experience in financial planning, she helped me to analyse my current situation. She gave me advice and explained the available options I have. She also prepared a plan that best suits my needs.

Highly recommended to everyone ! Don't hesitate & do let her know your situations and concerns. She will definitely help you out :)

Lim

是Fiona让我再次相信保险也让我很放心把财务规划交给她！

通过姐姐知道Fiona, 再后来知道她成为了Financial Consultant, 就想试试找她了解这方面的资讯。

在这之前的我一直对保险与介绍保险的人有着不是很好的印象😅, 但和Fiona的第一次见面, 她让我改变了原有的看法, 她让我知道保险不只是我以为的单单花钱买保险而已。

听她sharing的时候会一边想自己对未来的一些规划/憧憬, 而且过程中也讲解得很顺，也很有耐心去回答我的各种疑惑。

而且Fiona会根据我自身的需求和各种考量去分析再建议最适合我的方案, 这点是最重要的‼️

原本见面前有点紧张😂
毕竟是1对1, 怕自己沒有办法很顺畅地交谈😶, 但Fiona完全没有让我有这种感觉, 整个过程就像朋友聊天很自然～

她让我很放心把财务规划交给她, 想了解的不妨找找她🥰

Sheue Fang, Merchandiser

交谈轻松自然不会HARD SELL

fiona讲解的很仔细让我更加了解保险和储蓄的价值而且她会根据个人情况分析并建议适合我的保单和她交谈轻松自然重点她不会hard sell你！有朋友想要买保险我第一个会想到Fiona！

MeiWan

解释清晰，不强推👍🏻

Fiona会根据个人的情况去定制适合的保险和储蓄。过程中不会hard sales，还很仔细的解释所有的提问。除此之外，也可以很清楚的知道自己已经有的保险是如何运作和有没有足够的保障也学到了很多理财的知识。如果有朋友对理财有兴趣我会推荐Fiona。

MeiYing

耐心专业的理财顾问

我觉得Qiaoying 是一个对保险行业充满热情的人我可以感觉到她就是为了保险这个行业诞生的她在讲解那些理财健康规划的时候都很投入不会分心每个我不明白的地方都可以讲到很清楚然后超有耐心我问了很多问题她都很乐意回答我就是为了要解除我对理财规划的疑虑真的是很难得可以看到一位将有恒心积极对每个人的生活都关心的人她还为我制定了一个属于自己的超级理财方案根据我的需求和财务目标打造属于自己的独一无二的plan

而Qiao Ying 已经具备了一定的能力可以说是保险行业的裁缝师我觉得这个世界的每一个人都有这个荣欣可以认识到Qiaoying这个天使我可以感觉到她是上天派来拯救这个世界有需要财务帮助的人 😇

Kelvin, Banker

很专业的理财顾问

虽然认识Fiona有一段时间了一开始只是想了解她毕业出来的第一份工结果被她的专业吸引到了听了之后就觉得获益良多真的超级棒🥹 她只会给建议而不是直接帮我决定💯 她也让我了解到了自己现在拥有的保单是否有足够的保障可是同时也会对我说只要你觉得ok的话是没有问题的
有朋友需要了解保险储蓄我都会介绍Fiona!

Amanda, Production Coordinator

谢谢Fiona难得且有价值地分享

Qiao Ying 具备着很专业的知识也有很有耐心地为我讲解了新加坡保险的特征以及重要性。不仅如此也灌输了从年轻开始就要有好好理财的习惯还为我量身定制了合适的储蓄计划！

总的来说是一个很难得且有价值地分享受益良多！

绝对五星好评！有什么保险上的问题都可以询问 Qiao Ying!
谢谢你的耐心解说！

Kai Wen, 你的三号粉丝！

Kai Wen, Marketer

DISCLAIMER

https://www.prudential.com.sg/FC-info

Fiona Phang

Financial Consultant

Fiona Phang

Financial Consultant

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交谈过程很轻松舒服很细心

交谈过程舒服不hardsales

交談很舒服很耐心解答

专业&细心聊天过程好像朋友不负担

交谈很舒服不hard sell

讲解的很有耐心没有刻意推销

是Fiona让我再次相信保险也让我很放心把财务规划交给她！

交谈轻松自然不会HARD SELL