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Joycelyn Phang

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A Monthly Curated Newsletter

Albert Einstein said, "Compound interest is the eighth wonder of the world. He who understands it earns it. He who doesn't, pays it."

In every financial crisis, there are generally two groups of people. Those who ride above the wave, and those who suffer the pain. The first group seems to be more prepared, as if they knew long ago that something was going to happen.

What's their Secret?

This group of people understand a simple philosophy, "You don't plan to fail but you fail to plan." They started early and took advantage of the Eighth Wonder of the World. They are more ready for impact than others.

There's more

During times of great impact is also a time of great opportunities for investment. Yet only those who are prepared are able to take advantage of undervalued assets.

Here's a very good illustration to visualise the power of the Eighth Wonder of the World.

Eighth Wonder of the World

We've got the Story. What are my options?

"Understanding both the power of compound interest and the difficulty of getting it is the heart and soul of understanding a lot of things."
- Charlie Munger

Feel free to get in touch to learn more. I hope that you and your loved ones will continue to stay safe. Cheers!

 
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I seek to reach out to people who believe in creating a safe financial environment for 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.
 
Joycelyn Phang
 
 
 
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WhatsApp me at +65 86077705  
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Testimonials and Referral Notes

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Aye Hsu Mon, Nurse

Thank you Joycelyn for your time and effort in explaining every detail of plan that you offer. You are very professional and experienced agent who knows her client needs. You make my financial planning stress free and achievable. ❤️ thanks again Joycelyn.

Zhuo Yi, Engineer

I had the opportunity to meet with Joycelyn recently, and I was impressed by her deep experience and extensive knowledge in financial planning. She explained the information clearly and patiently, taking the time to ensure I fully understood each option. I especially appreciated how she shared real-life examples, which gave me valuable insights and made the concepts much easier to relate to. The solutions she offered were practical and flexible, allowing them to be adjusted based on my own budget and needs. I would confidently recommend Joycelyn to anyone looking for thoughtful and reliable financial advice!

Diana Bakar, Director

I was introduced to Joycelyn by a friend. She is a friendly Financial Advisor helping with my health insurance. Genuinely nice and helpful and prompt to replies and too.

Ashline, Logistics personnel

I’ve always scared to be in touch with insurance, Lucky to get to know Joycelyn through a mutual friend. Joycelyn is a genuine and nice Finiancial consultant that can make you feel at ease and are well aware of your own finiancial planning. During the meet, there was no hard selling involved, only understanding of your goals & needs which was what i needed. I felt comfortable throughout the conversation with her. You know that she knows her product well when she portray confidence and professionalism in her presentation to give the client an assurance that they’re in good hands. Truly recommended her 👍

Jing Yee, Guest service agent

I wholeheartedly recommend Joycelyn if you are seeking a knowledgeable and trustworthy professional financial consultant. From the start, Joycelyn was incredibly attentive, taking the time to fully understand my needs and explaining all my options in a clear, straightforward way. Her personalised approach and commitment to finding the best coverage for me made the entire process stress-free. I truly appreciate how responsive and proactive she is. In future, I will also recommend Joycelyn to all my friends and family, so that the people I love and people who love me will be secured too!

Shen Hann, Engineer & Calista, Financial Analyst

Before meeting Joycelyn, my fiancé and I have had some plannings for our future which we thought were sufficient for the time being. But after meeting with Joycelyn, we learnt things that we never thoroughly considered before and gained more insight into financial planning. I guess there is no harm in listening regardless of how bullet proof you think your plan is! I am glad that I chose to give her a try and eventually went with her proposal. Now I have a peace of mind with the coverage. Bonus point for Joycelyn as she is not pushy and patient enough to give time for consideration. She’s also quick to provide additional information if you want to dive deeper into the details in all kinds of plans available in the market. This is truly helpful especially for someone who is new to Singapore insurance policies like myself. Lastly, I really appreciate that Joycelyn would not hesitate to visit you face to face regardless of where you are. This sounds like what a financial planner is obligated to do but I know not all agents can give you response that quickly!