Is the wait taking too long? Are you sick of waiting and complaining? Are you fed

up with trying to grow rich and not succeeding? Are you

done with reading books and articles on how to become

rich, only to find out that the “big secret that all the rich

and wealthy use” is simply not available to you?

If you are done with:

• Not knowing how to

maximise your current

financial opportunities;

• Going to talk to

insurance agents and

“financial consultants”

with a fear of them

selling you an irrelevant

product;

• Worrying about the

status of your financial

health;

• And if you happen to

live in Singapore…

We might have the solution

for you.

If you are done wondering if

you’re doing the right thing to

get rich, and can’t keep up

with what you should be

doing with your CPF; if you

don’t know what insurance

you should be getting and

want to know a simple and

effective way to get your

finances on track…

It’s time to relax.

What if:

One single thing could

answer all your

questions?

One simple thing

holds the resources to

all your needs?

One smart thing could

actually tell you what

you can do to be rich

in Singapore?

How To Grow Rich In

Singapore

If you are over “Five

ways to get rich” and

“3 things you must

do”, here’s the

answer: “Grow Rich Singapore Style”

– a book that could be the one

thing to change your financial

future, and may hold the key

to you becoming rich.

We have a huge

opportunity to take

what we have and

grow it into riches in

Singapore, if only we

know how. From the CPF to investment

opportunities, to the increase

in qualified Financial

Consultants who are more

interested in you reaching

your short-, medium- and

long-term financial planning

goals than in making you a

number in their sales goal, we

actually have it good.

Unfortunately, it also means

that we are swamped by too

much information.

Sure, there’s the CPF website

to tell you about CPF, and

sure, there are a million sites

and a thousand people you

can talk to when you want to

talk about investment, but

there is always a need to

answer the first question:

“Where do you start?”

“Grow Rich

Singapore Style” Tells

You Where And How

To Start, And What To

Do When It Ends. If that sounds attractive to

you, there’s more.

“Grow Rich Singapore Style”

is more than just a book on

CPF and investments; it’s a

full-colour, 16-chapter, more

than 300 pages of content

book that is out to teach and

entertain.

Look at all the books and

articles you have collected

that are still sitting,

unfinished or unread, dusty

on the bookshelf.

“Grow Rich Singapore Style”

will not be like that.

As you read from the

beginning, the book leads

you from the foundations

– what is money (really),

why you need it, how

much do you need and

how do you plan with it.

Without having savings or

an excess of cash at the

end of every month, there

really is no use to think or

talk about investing.

As you get to the middle,

“Grow Rich Singapore

Style” begins to break

down the barriers to

money-making, and beats

the myths about making

money.

In the thick of things, into

the middle of the book, it’s

time to start working on

what financial

opportunities living in

Singapore brings.

First up, insurance, and

because it’s a book, you

can be rest assured that

there’s no sales talk here.

Without the stress of

having to buy something,

read about the different

types of insurance you

need, and why each is

important (or why you

may not need to get it).

Also, learn a way to

streamline your insurance.

If you have ever

wondered if you have

bought too much

insurance, there is a way

to streamline it.

When it comes to CPF, the

book breaks down all that

happens and all that needs

to happen depending on

your age and stage in life.

No more wondering what

you might need to do –

consult the book on the

right page, stage and

action, and get to it.

When it comes to

investing, it’s time to

introduce the many

options we have, and the

things you need to know

when investing in each of

these options. The book

even gives space to

spotting a scam.

No money to start

investing? That’s an

Get “Grow Rich

Singapore Style” And

Grow Rich In

Singapore Today! Learn the know-how’s in this

book, work with all the

resources that Singapore has,

and become a member of the

rich.

You don’t want to wait before

excuse. With the aim to

get you started on the very

first investment, “Grow

Rich Singapore Style”

points out unit trusts as a

place to begin growing

your money to become

rich.

Coming in to the end,

meet real people, just like

you. These are the people

who have managed,

according to their

measures, to grow rich in

Singapore, and all because

they simply knew what

they needed to be doing –

no extra intelligence or

work or luck required.

it’s too late; starting exactly

where you are is better than

never.

If you’re not convinced, read

the story of Henry and Jenny,

a couple who have gone

through numerous ups and

downs, but still found their

way to growing rich.

Their stories will resonate

with you, and shine more

light on how you could be

like them.

• Apart from clients, the

real people are also the

Financial Consultants, and

their lives are no different

from yours either. They

have made their follies,

corrected their mistakes,

and their life choices are

some that you may have

seen too. Their stores give

a human face to the

sometimes technical and

cold world of financial

planning, whether in

Singapore or beyond.

• Finally, as you reach the

end, the call to action gets

even clearer. Ever read a

book only to wonder,

when you are done, “Now

what do I do?” Here, no

questions to be asked.

Henry and Jenny Henry owns an automobile

services company while Jenny

is the Area Sales Manager of

an MNC. They first met their

Financial Consultant Alfred

Chia close to 10 years ago,

when he was one of the guest

speakers who spoke about

financial planning and

independence during their

previous network marketing

business. From then on, the

couple became friends with

Alfred, not knowing that his

friendship and financial

advice would change their

lives forever in the future.

The Turning Point Initially, both Henry and

Jenny thought that financial

planning was only reserved

for those with extra cash to

spare. Their perception

changed as Alfred introduced

an entirely unique way of

carrying out financial

planning. While they did

protect their lives with

insurance bought from

relatives and friends over the

years, Henry admitted that

these policies were just

bought in support of the

insurance agents they know.

They decided to engage

Alfred to analyse their

insurance portfolios, to see

whether they were

thoroughly protected for the

future.

Through Alfred’s analysis, the

couple found out that Henry

was not as thoroughly

covered medically as Jenny

was. Alfred suggested for him

to buy a medical insurance

using the CPF savings he had.

Trusting his Financial

Consultant, Henry agreed and

bought the policy for both

himself and his entire family.

Everything went as per

normal two years after buying

the insurance.

On the third year, in 2006,

Henry was unexpectedly

diagnosed with Stage 3

Colorectal Cancer.

Shocking as the news was, as

there were no symptoms of

the disease, the couple

remained positive.

Thankfully, the insurance

they had bought three years

ago helped to defray the

medical costs and allowed

Henry to get one of the best

surgeons to conduct his

surgery.

Jenny shared, “Imagine if

there was no insurance

bought. Our finances might be

badly affected as Henry is

self-employed, and not

knowing how much we could

chalk up on Henry’s

treatment would

have put us in a

challenging

situation! Until

today, we are

thankful to have

listened to Alfred’s

advice and acted

fast upon it!”

Stay Alive with the

Right Policies Ever since then, the couple

shares Henry’s near-death

experience with family,

friends and fellow colleagues

to illustrate the importance of

being protected. Henry

commented, “I always tell

others, never to leave their life

to chance, you will never

know when you will fall ill or

die. Always ensure that you

are protected for the sake of

your loved ones.”

With this in mind, Henry also

goes the extra mile to protect

his employees with additional

personal accident insurance as

a precaution for contingencies

in the future. Jenny added,

“Most of his staff is made up

of sole breadwinners from

Malaysia and we felt that it

would be thoughtful to help

them in our small way. We

also wish to safeguard our

interests as employers as

well.”

Different Views about

Money Even though the couple share

the same principles about

financial planning, they both

have entirely opposing views

to money.

Brought up in a relatively

simple family, Henry’s

parents ran a food stall. He

grew up helping his father

after school and during

holidays. With this

background, Henry is

prudent, whether he spends

on himself or his business,

even though he makes

enough to live comfortably.

“I started off my business

with just $5,000, so I learnt

how to be extremely careful,

how to make use of every

dollar to get the best benefit.

Now, when my company

needs new machines, I would

purchase them using

government grants or even

sublet the specific task to

others which have the

necessary facilities to save

costs.”

Today, Henry is a successful

SME owner. Unlike others

who only invest in asset

classes, Henry makes it a

point to put his financial

resources into his own

company – which is his

biggest investment. Of course,

he engages his Financial

Consultant, Alfred, to assist

him in planning and

coordinating this process.

Jenny on the other hand, feels

that any problem that can be

solved with money is not a

problem, so she is more

relaxed with spending her

earnings. Her late father, who

worked in an insurance

company, instilled the

mindset that money earned

should be enjoyed, as long as

it within your means.

Today a senior executive in

her organisation, Jenny works

hard for her money and

spends on what she wants

once in a while. Her

philosophy: “If you earn well,

don’t live like a pauper.”

On the other hand, Jenny also

admitted a weakness – she

cannot see too much money in

her bank account as it leads

her to impulsive spending.

Jenny creatively counters this

by having forced savings.

“Whenever I have a salary

increment, I will look for my

Financial Consultant

straightaway to buy a policy

to keep the excess cash ‘safe’.

This method is a great way to

have something to fall back on

when our business or when

the family needs extra money

in any unforeseen

circumstances.”

Securing a Great

Future Henry and Jenny’s “secret” to

success today is their

prudence in handling money

and their thorough financial

planning.

With it, they are able to enjoy

a comfortable life with their

family, knowing that their

future is mostly set with all

the preparations they have

Henry and Jenny’s “secret” to success today is their

prudence in handling money and their thorough

financial planning.

done today. Besides

protecting themselves from

contingencies, Henry and

Jenny have also sought advice

from Alfred about investment

insurance, and through his

recommendation bought

profitable policies which got

them over 40% returns over

the years.

The sensible couple used the

profits from the policies to

pay off their existing HDB

loans, giving them peace of

mind. On top of protection

and investments, Alfred has

also assisted the couple with

their motor insurance, which

helped them tremendously

after a car accident in

Malaysia a few years ago.

With such a strong

relationship, Henry and Jenny

“give back” by bringing their

friends and clients as referrals

for Alfred, especially those

seeking car claims insurance

from Henry’s business end.

What is their message to

readers out there?

“If you never put in the

commitment, you will never

get started in financial

planning. Think about it, if

you are a smoker who smokes

one pack (which costs around

$10) a day, then you could

have saved more than $300 by

the end of the month. This

amount could actually get you

a good insurance plan instead.

It is all about knowing your

priorities and making the

right choices – before it’s too

late.”

Check out the preview of

“Grow Rich Singapore Style”

right here in ISSUU.

Get yourself and your loved

ones a copy of “Grow Rich

Singapore Style” today.

This article was written by

RedWordTree Pte Ltd,

copywriters who create books

and alternative media. For

more information, visit

www.redwordtree.com.

Getting “Grow Rich

Singapore Style”

today, however,

won’t be a day too

late. This book has

all you need to get

started, get your

finances in order,

and grow rich,

Singapore-style.

Preview “Grow Rich

Singapore Style”,

or buy your copy of

“Grow Rich

Singapore Style”

today.