Job Description

Main Responsibbilities include:

Client Relationship Management:

Meeting with existing and prospective clients to understand their financial status, objectives, and risk tolerance. Building and maintaining long-term, trusting relationships is crucial.

Financial Analysis and Planning:

Conducting comprehensive financial assessments and analyzing client data to develop tailored financial plans and investment strategies.

Market Research and Analysis:

Continuously monitoring market trends, economic indicators, and regulatory changes to identify investment opportunities and potential risks.

Investment Recommendations and Execution:

Recommending suitable investment products (such as stocks, bonds, mutual funds, insurance, and structured products) and, often with discretionary authority, executing trades on behalf of clients.

Portfolio Management:

Developing, implementing, monitoring, and rebalancing client investment portfolios to ensure they align with the clients' goals and market conditions.

Performance Monitoring and Reporting:

Regularly reviewing client accounts, tracking investment performance, and preparing detailed financial reports and income projections for clients.

Education and Guidance:

Explaining complex financial concepts, investment options, and potential risks to clients in an accessible manner, empowering them to make informed decisions.

Compliance and Ethics:

Adhering to all internal policies, industry rules, and regulatory requirements (e.g., "Know Your Client" standards, anti-money laundering laws) to ensure the highest standards of ethics and professional conduct.

Business Development:

Actively sourcing and acquiring new clients through networking and marketing efforts to grow the client base.




Things you will assist on

Emergency Fund First:

Before investing, build an emergency fund covering

3 to 6 months' worth of expenses

and park it in liquid, low-risk options like a high-yield savings account, Singapore Savings Bonds, or T-bills.

Start Early and Consistently:

The power of compounding means starting early is crucial. Aim to save and invest about 10-20% of your income each month.

Leverage Employer Benefits:

If your employer offers a retirement plan or other benefits (e.g., a matched percentage for a 401k in some countries, though less common in Singapore), contribute at least enough to get the full employer match, as it's essentially "free money".

Diversification and Low-Cost Funds:

Avoid putting all your money into a single stock or asset. A good starting point is to invest in low-cost, diversified Exchange-Traded Funds (ETFs) or index funds that track broad markets (like the S&P 500).

Understand Your Risk Tolerance:

Your investment strategy should align with your goals, timeline, and comfort level with market fluctuations.

Utilize CPF:

Understand how your CPF contributions work. You can use your CPF Ordinary Account for housing or investments through the CPF Investment Scheme (CPFIS). Cash top-ups to your CPF Special/Retirement Account offer attractive, risk-free interest rates and potential tax relief. *

Avoid High-Interest Debt:

Prioritize paying off any high-interest debt, such as credit card bills or education loans, to save on interest charges.