Retirement dream vs reality

Joan Tong

In Touch

A Monthly Curated Newsletter

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?

Retirement Date Risk And Sequence Of Returns

Sequence of returns risk is a commonly cited risk for retirees, but an accumulator also faces sequence of returns risk in the form of retirement date risk!

Key to retirement planning: Don't panic

It can be hard to live within your means after retiring, so make your extra funds work harder.

Children and Retirement

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Proudly Brought to You I hope you have enjoyed this issue of my InTouch newsletter. Do feel free to contact me if I can be of service to you and your friends
Joan Tong

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Testimonials and Referral Notes

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Christopher Lek. Senior Financial Services Manager. SP Group

Joan is an effective person in helping people to engage their clients in a more meaningful way. I think you will not regret meeting her. Do catch up with her soon!

Hup Song. Financial Consultant. SP Group

My colleague and I met up with Joan for a session on how best to use and maximise the Headquarter client engagement platform. We found it useful and refreshing and I feel that she's someone you should meet! You won't regret it!

Cassie Xu. Financial Services Consultant. NTUC Income

Joan came to our office premise to conduct a session on how best to maximise the use of the client engagement platform, Headquarter. I found it very useful and it was fun. I think you'd enjoy getting to know her!

Joycelyn Phang. MDRT Qualifier 2021. Prudential Singapore

HQ is a great platform / channel for publicity, especially for people like us who need to run their own business. I love the function that it can customize our own birthday cards and make our clients feel privileged as it's something personalised. On top of that, working with Joan is amazing because she is friendly, helpful and dedicated lady. She is always able to assist me on technical works as I’m not good at IT stuffs. Honestly speaking, I can’t live without HQ now, thank you Joan & HQ. I would highly recommend this platform for everyone, 10/10 must try!💯

Dawn Tay. Private Wealth Consultant. Prudential

Joan did a training session on how to use and maximise the HQ platform with my team and I today. We found it highly useful and interesting. We like her positivity, helpfulness and fun-lovingness. Do get to know her and learn more about how this thing works, you won't regret it!

Cassandra Foo. AIA RTP

We have been clients of HQ for a couple of years now and recently we went to meet Joan today for a refresher session on the HQ platform and we found it very useful. Joan was patient in helping us to understand more in detail on how the system works and how it can be used to enhance our work and credibility. It was a pleasure meeting her up. Do catch up with her. You won't regret it.