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Benjamin Koh Jia Hao

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!

 
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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.

 
read more
 

Children and Retirement

 
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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
 
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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Chiang Teck Fung (Retiree)

I can only summarise Benjamin in 3 words: Helpful, patient & responsible. Helpful: Despite not being the agent that sold us the plan (he took over the policies as our previous agent was not doing a good job), and having to take over with many backlogs, Benjamin went the extra mile to ensure all our pending claims and doubts are addressed. He's been a great help even outside of financial planning; I was having trouble figuring out how to pay my electricity bills online as well as requiring to clarify certain medical check-ups SMS, Benjamin was there to guide me step by step even though it is not within the scope of a financial advisor. Patient: Benjamin went on to explain and update me on my existing portfolio. He was very professional and gave me a very detailed yet neutral updates. I had many questions especially when it has been sometime since I was updated on my portfolio. This is especially true in terms of a policy that I've gotten recently that does not seem to fit my objective. Benjamin patiently explained to me the advantage & disadvantage of the policy. I am very thankful for his timely advise as I've gotten this policy under the wrong impression and Benjamin was able to guide me through it and break down information to easily understandable pieces. Responsible: After having to experience a very bad encounter with my previous advisor (not picking up calls, not submitting claims for me). I made it a point that the next financial advisor I get must uphold a high sense of responsibility as I do not want the same situation to repeat itself. Though I did not voice this requirement out, Benjamin has been very proactive, responsive and even despite there being hiccups in the claims process (AIA require a more detailed breakdown on my bill), he never failed to update us or return our call when required. I am very assured with him taking over mine & my family's entire portfolio. Thank you for servicing me!

Eileen (Pre-School Teacher)

阳光灿烂的Ben! 诚恳,耐心及充满阳光的保险代理人,Ben. 从我买保险至今,见过也换过好多位保险代理人,他们都没有完全解决我对于保险内容的问题。 Ben 却能给我满意的答案,也给了我无数宝贵意见。Ben给人的第一个印象是满面笑容,充满阳光,说话的语气也饱含信心与诚恳。我是个爱发问也爱打破砂锅问到底的人,可是,Ben能耐心地聆听我的问题,然后会尝试以图片,文字以及种种不同的方式分析利与弊,直到我理解和满意为止。 借此机会,我诚意推荐Ben 作为您的 保险代理人,相信您将得到尽善尽美服务并认同我的推荐。谢谢。

Zhendong (Auditor)

Having known Ben for many years, I can confidently say that Ben is a very thoughtful and trustworthy person. Knowing my financial background, he makes extra effort to explain the contents of the product which enables me to make sound decision with my investment. Thanks for providing an excellent service in helping me with my financial planning. Would highly recommend to friends and family.

Tianfu (Executive)

Bright, cheerful and resourceful is some of the traits that makes Ben easy to be around with. Despite joining this industry for a short time, his pro-activeness has motivated him to go the extra mile understanding his client's need, short term and long term objectives. The continuous effort in asking for feedbacks, following up with clients and always seeking of ways to improve himself enabled him to go straight to the point with clear explanations. Ben also does his best to make every session enjoyable for you! Give him a shot and he will make your dollar count.

Jovin (Sales Engineer)

I initially got to know Benjamin through a mutual friend. I found him very nice and approachable through our interactions. Fast forward a few months, I reached out to Ben to share more with me on AIA hospitalisation policy as I was planning to get a hospital plan in Singapore and was looking at the various provider. After comparison with another agent, I have decided to engage Ben’s service as his sharing was very clear and ensured I know what coverage I am getting. Ben went the extra mile to help explain my Malaysia's policies that I bought without knowing what I gotten then. His clear explanation as well as patience in ensuring I understood the policies provided me with the confidence and assurance I needed. I definitely recommend you to meet Ben and give him an opportunity to hear him out. It might be more beneficial than you think! Thanks for the best support Ben, to many more good conversations ahead!

Huiting (Manager)

Benjamin and Liliani are very friendly and knowledgeable in their field of work. They recommended the insurance policy that best suited my needs in my current stage of life. From Liliani's sharing of Insurance, I better understood the importance of protecting my wealth and well-being from the potential risks that could happen to me. From the sessions with them, I am assured now to be free to do the things I want, and have a peace of mind without having to worry about any unexpected bad events happening to me and my family financially.