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Benjamin Koh Jia Hao

In Touch

A Monthly Curated Newsletter

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.

How to Be Happy in a Recession

Recession begets misery, which makes for more economic bad times. You naturally make the pattern worse by following your loss-aversion instincts. Although you probably can’t break the global economy out of this feedback loop, you can break yourself out of it. Start with the following three practices.

 
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Here are 8 ways to bulletproof your finances ahead of a likely recession in 2023

5 personal finance experts here give tips on how to protect your finances. Their recommendations include building up an emergency fund, trimming your regular spending and up-skilling

 
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How to Stay Optimistic During Hard Times

 
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I seek to reach out to people who believe in safeguarding the interests of their loved ones. Let me know if I can be of help to someone you know or care about. We can make a difference to lives when it matters most. Cheers.
 
Benjamin Koh Jia Hao
 
 
 
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DISCLAIMER

This is not an official AIA newsletter. The views and opinions expressed in this publication are those of the author and do not reflect the official policy or position of AIA Singapore Private Limited (Company Registration No. 201106386R) (AIA), any other agency, organisation, employer or company. Assumptions made in the analysis are not reflective of the position of AIA other than the author.

© Benjamin Koh Jia Hao, All rights reserved.

Testimonials and Referral Notes

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Abel (Editor)

Despite having previously worked in the financial industry, as well as its advisory arm, I can confidently say that Ben is one of the best advisors I've ever had the honor of coming across. His aptitude is nothing short of excellent, but the area in which he really shines is his unique genuinity that is (though commonly sought to be replicated) often difficult to find. Ben has gone out of his way to advise and service me on numerous fronts, from suggesting and providing comprehensive coverage packages to helping research and even referring relevant professionals with regards to other financial matters that may fall outside your traditional advisor's purview. It seems to matter not what exactly you're looking for in an advisor; I'm pretty sure Ben has it all.

Guo Ren (Senior Executive Assistant)

Financial planning with Ben has always been a fun and interactive talk. He has put into various concerns and plans that you have voiced out into considerations of your current financial status and advise you accordingly. He will not make the session into a situation whereby he hardsell you additional policies. I would recommend him to be a friend that you can speak about your concerns and he would recommend policies that would help you resolve those concerns.

Guo Ren (Executive)

We have been friends since NS. Ben has always been friendly & cheerful since knowing him. He approached me to meetup and to discuss about financial goals & protection goals as well. The explanations provided were clear and precise. There was careful planning and recommendations provided. You can rest assured that there is no hard-selling so you can put your faith in him. I would definitely encourage you to have a meet-up with him first to have your first impression about him! :>

Xizi (Product Manager)

I have been working with Benjamin for the past few years, and I can say without hesitation that he is one of the best agents I have ever had the pleasure of working with. Benjamin is always available to answer any questions I may have and is incredibly knowledgeable. He takes the time to understand my unique needs and provides me with personalised recommendations while ensuring that I have the coverage I need. What sets Benjamin apart is his commitment to customer service. He is patient, attentive, and always goes above and beyond to make sure I am satisfied with the service I receive. He has a friendly and approachable demeanor, which makes him easy to work with and builds a strong sense of trust. In addition to his excellent customer service, Benjamin is also proactive in keeping me informed about any changes that may affect my coverage. He takes the time to explain complex insurance terms in simple language, making it easy for me to understand. Overall , I highly recommend Benjamin to anyone looking for a knowledgeable, dedicated, and trustworthy financial advisor.

Wan Wei (Research Engineer)

I am writing this testimonial to recommend Ben as a financial advisor. I got to know Ben through my previous job, and he has been a good friend who is patient and sincere. Initially, I have no idea what good financial planning is, until I met Ben. He went the extra mile to provide details and explanation for the various policies available. He helps me to analyze my current financial status so that the best plan can be recommended. It is really nice to work with a financial adviser who always put the needs and preferences of his clients first. Thank you so much for being an incredible advisor and listener! From helping me to put things into perspective to preparing me for great things in the future. I have no doubt in recommending Ben to any of my friends and family.

Chee Hin (Engineer)

Ben has been very approachable, proactive and clear in bringing information across. From addressing my queries on critical illness to expressing my concern on legacy planning, Ben shared openly and genuinely with the emphasis on mine and my family well-being.