Wee Xin Min

Financial Consultant

Wee Xin Min

Financial Consultant

Every life has stories to tell—stories about aspirations, fear, love and everything in between. I live to hear them every day from strangers who became friends.

I help clients articulate the important objectives that they have for themselves and their loved ones - stories that are worth the protection and assurance they need to stay alive.

Currently, I am a Financial Consultant at AIA Singapore. With 8 years experience, I specialise in providing employees’ benefit for companies, personal health insurance, wealth accumulation and family planning. I am also in collaborations with different providers to enhance experiences for business owners and sportsmen.

Work
- AIA Singapore
Credentials

Newsletters

Articles Worth Sharing

Newsletter Issue 93: Happy Travels

Embark on meaningful journeys with insights to plan memorable vacations, navigate budget travel, and uncover cultural treasures. Whether you’re crafting a family adventure or exploring last-minute deals, these ideas inspire travel that deepens connections, stretches savings, and invites discovery.

As families navigate the challenges of exam season, it's important to foster resilience, support growth, and nurture well-being. These insights explore how to create a balanced, supportive environment for children, helping them thrive academically, emotionally, and financially.

Persistence and perseverance are the cornerstones of personal growth. As we enter the final stretch of the year, these traits become even more essential. Discover ways to harness determination, build resilience, and stay committed to your goals. Even when the journey feels long and challenging, remember—you’re closer than you think. Let’s push through this last lap together.

Navigating the rising cost of living requires strategic planning. This issue provides tips on budgeting, skill development to increase income, and utilising resources to manage money. I hope these strategies help empower you to stretch your money further and maintain financial stability.

Prioritizing our health and immunity is essential, especially with summer holidays and travel on the horizon amid the recent surge in COVID-19 cases. Here are some practical tips, nutritious recipes, and expert advice to keep you safe and ensure healthy and enjoyable summer vacations for you and your loved ones!

As we approach the time of year when scorching temperatures send us seeking refuge indoors, this issue offers essential tips and strategies for managing the heat. Arm yourself with knowledge and discover ways to stay cool, hydrated, and healthy amidst the sweltering heat, ensuring you thrive in your daily life!

Life is a multifaceted journey of growth and transformation. From overcoming setbacks to embracing professional and personal development, this issue contains wisdom on self-forgiveness, career and financial success, and the limitless power of lifelong learning. The process of growth may not always be easy, but it will be worth it. I hope this enriches your life.

Amidst rising costs, aging and retirement planning is becoming a growing concern for many. Yet, more than just ensuring financial readiness, one who is planning to retire also needs to be psychologically prepared for the shifts in lifestyle, routine and everything that comes along with it. In this issue, let's explore expert tips on staying healthy, mentally sharp and financially secure, so we can age gracefully in our golden years.

As we embrace 2024, discover essential insights for a prosperous journey ahead. Explore key financial strategies and economic trends aligning with the Dragon Year's promise of prosperity. Immerse in the cultural vibrancy of the Lunar New Year celebrations. I hope this issue with its blend of wisdom and practical advice equips you to navigate the opportunities and challenges ahead with confidence. Together, let's ride the Dragon!

In this issue, here are some insights on mindful reflection, effective goal-setting, and strategic reviews. I hope this helps you equip yourself for a thriving year ahead with impactful resolutions and fresh perspectives. Let's embark on this journey of growth and renewal together.

Embrace the spirit of the holiday season in this month's issue, where cherished traditions meet thoughtful innovation. From smart savings and healthy feasts to meaningful gifts and cozy stays, our collection of articles offers a reflective journey through holiday warmth. Savour every moment with our handpicked tips and recipes, and let's celebrate the joy and generosity that define this wondrous time of year.

As inflationary pressures continue, affecting both individuals and businesses, it is vital to equip ourselves with effective strategies to navigate this environment. This issue provides pragmatic insights and ideas, guiding us to not only weather these economic challenges but also thrive in the midst of them. I hope this brings us greater financial resilience and empowerment.

In celebration of Children's Day, here is a friendly collection of articles brimming with insights! I hope these writings can guide us in embedding valuable skills, boosting financial literacy, and laying down a roadmap to raising resilient, balanced children. May we empower the upcoming generations, helping them blossom into well-rounded and holistic individuals. Let's cherish the joy of nurturing our future

Making decisions on property is not trivial, as they often have effects on our quality of life in ways that are not just material but also financial and emotional. Regardless of our experience levels in making decisions on our properties and homes, it helps to have an appreciation of what resources are involved, and how we can be resourceful about them. I hope you find the materials in this issue useful.

In today's rapidly ageing society, advance care planning and long-term care planning are emerging as critical considerations for ensuring a comfortable and secure future. As we journey together through the intricate aspects of planning for what lies ahead, it's never too early to make such vital decisions. It's your future; plan it well.

In the delicate balance between awe and envy lies an opportunity for growth. Awe opens our eyes to the beauty and possibilities around us, while envy stirs our desires for improvement. By using awe as a wellspring of inspiration and envy as a catalyst for positive change, we get to harness these emotions to fuel our ambitions, cultivate empathy, and create a brighter future for ourselves and others in various aspects of our lives.

As artificial intelligence (AI) and chatbots like ChatGPT become ever more prevalent, AI’s potential to transform our lives and economy cannot be understated. With the increasing adoption of these technologies, they will not only transform the ways we use or consume information, but they are also poised to play a pivotal role in just about every aspect of our lives, including work, finance, and parenting. In this issue, we explore the nuances of AI and the possibilities it brings to our world.

Whether we are mothers ourselves or simply have someone in our lives who has played a motherly role to us, chances are, our lives have been influenced in profound ways by motherhood. Let's take a moment in this issue to honour, value, and draw lessons from the incredible wisdom of women and mothers who have impacted our worlds.

Necessity is the mother of invention. Throughout history, humans have demonstrated the ability to innovate, solve problems, and create solutions in the midst of crises, resulting in some of humanity's greatest inventions. All it took was resourcefulness, action, and persistence. Through this issue, I hope to provide insights into how we can live life constructively and creatively, regardless of the challenges that we may face today.

As we get back into the groove of work, our most important arsenals have to be our health and brains. After all, these are essential in allowing us to lead a functional and meaningful life. To do that, we need to take care not to fall ill and ensure that we upkeep our physical, mental, and social well-being. Let us explore in this issue the various ways that help us protect and strengthen our overall health.

For many, the festive season is a time of food, celebrations, social interaction, and hype. Coupled with the continuous demands of work and life, such periods can sometimes leave us feeling drained, and some of us may even struggle to get a breather. In this issue, I have put together resources on how we can possibly wind down and benefit from more intentional quiet and less noise.

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.

We live in three distinct timeframes - the Past, the Present, and the Future. Many times, we tend to live and make decisions based on what gives us immediate gratification, and often to our detriment. Despite not knowing what tomorrow will bring, planning ahead removes uncertainty and provides clarity to our lives. In this issue, I have included articles that I hope will inspire you to take actions that your future self will thank you for.

Many of us lead busy and stressful lives. Even when we may be caught up meeting deadlines, sprinting towards our next goals, or looking after our families, we cannot neglect taking appropriate breaks for our well-being. While it may feel counter-intuitive to do so, sometimes the best thing is simply to step away from the four concrete walls to go for a walk outdoors. It refreshes the mind, body and soul, and is beneficial for our health and creativity. So let's lace up our trainers and walk our stresses away.

In an environment of rising inflation and uncertainties in global geo-political climate, almost no one is spared from the economic consequences of the day. It is therefore more important than ever to be intentional and mindful in how we manage our finances in our daily living. Here, I have put together some resources which you can tap on to help you gain a better insight on how you can be more savvy with your money.

Every one is different, and differences in opinions, interests, backgrounds and personalities tend to come with conflicts. Whether is it our co-workers, friends, family members or even our partners, disputes are not only common, but they're natural and sometimes inevitable. The question is, while such conflicts arise, how do we navigate them? Do we attempt to work through issues amicably with others, or do we allow our egos and emotions to rear its ugly head? Today, we look at practical tips on how we can manage ourselves and relationships in more mature ways.

As humans, the pursuit of change and progress is something that is innate to every one of us. Like it or not, there will always be things in life that we hope could be a little different, a little better in the way that daily situations & events turn out. It could be in the way we think, speak, or the way we handle everything from our finances to our relationships with others. We seek to become better -- and we should. As we strive to continuously exceed our potential, we rise above all previous versions of ourselves and grow stronger. In this issue, we look at some ways in which we can embrace a better self and an even better future.

In life, there are days and moments where everything we do does not feel enough, or face situations that are beyond our control. A common response to such instances is to doubt ourselves and our abilities, and that is a very normal and human thing to do. But the effect of self-doubt can cut both ways: It can either spur us to achieve our goals and thereby boost our confidence levels, or cause us to feel entirely powerless and paralysed. Fortunately, whether we allow it to work for or against us is mostly up to us. In this issue, we will explore the ways in which we can harness self-doubt to build confidence -- one step at a time.

Statistically, most people live till an average age of 80 years. Although this number varies across cultures and nations, we cannot deny that life is still all too fleetingly short. 80 years a lifetime translates to 80 summers and 80 winters - to love, laugh, live, and make the most of our time on this earth. Far too often, when faced with our mortality, we look back at our lives and think of all the things that could have been different. Regret may sometimes be inevitable, but it is still possible to live an unlimited life with the limited time that we have. In this issue, we look at some of the ways we can do so.

For the past years, given the pandemic and restrictions, many of us were forced to re-evaluate how to plan and book trips for holidays, or consider whether we should even be planning for any travel at all. Now, as borders are opening up, we have reached a stage where many of us are ready to start traveling again and make vacation plans once more. The catch, though, is that traveling will likely continue to be complicated as new variants emerge. How then do we plan for travel? In this issue, we explore this matter in more depth.

Life can be unpredictable with obstacles, making it sometimes difficult to stay afloat. Whether it is the loss of a loved one, stress from work, or financial woes, everyone faces challenges and does at some point, struggle with remaining optimistic or hopeful. Nonetheless, it is still important to maintain positivity to keep us going; by finding the good in the bad, and being the light in the darkness. For this issue, let us explore on what being positive means & how we can harness it in ways that truly benefit our lives.

As humans, we have an innate need for connection and approval from others. Often, we make an effort to gain validation and this is natural. Yet, in our world today, this need for others’ approval becomes magnified; as many of us are constantly plugged in on social media, we tend to get caught up in the pursuit of “likes”, “shares”, “follows” & engagement. These can have implications on our mental well-being and happiness. Through this issue, I hope that we can be more aware of the impacts & risks associated with excessive use of social media, and what we can do about it so that we can live out our best lives.

It is a season of feasting, socialising and spending time with our family and friends. Amidst the bustle of festive preparations and joviality, let us not forget to take care of our well-being even as we celebrate this time of wealth, health and happiness. Stay safe, savvy and prosper!

By this time, we would have endured quite a long period of the COVID-19 pandemic and many things have changed. Collectively, we have adapted to new ways of living, working and socializing. While there is no telling of when this pandemic will truly “end”, one thing’s for sure: Life goes on. The best we can do is to continue to look towards the future and live out the best we can. As we head into a new year, here are some predictions and trends we can look forward to.

In times of uncertainty, it’s easy to get overwhelmed. With the COVID-19 outbreak, we are faced with the challenge of adapting life around the virus and navigating intense market volatility. This leaves many of us feeling anxious and even disempowered.

Confucius, the Chinese philosopher, left us with these words to contemplate: The man who asks a question is a fool for a minute: the man who does not ask is a fool for life. As the year winds down, it is time to reflect on some popular and widely - accepted beliefs and misconceptions that we may hold that do not serve us in achieving our goals and desires. Today, we look at debunking some of these misconceptions to expand our thinking and explore new perspectives and horizons.

In meeting the demands of work and every day life, many of us can feel compelled to do all things at once, and may become overwhelmed or less effective as a result. To counter this, it is worth taking a moment to adjust our pace; to give ourselves the space to practice taking one step at a time in the ways we perform our tasks and how we manage our minds & emotions.

As human beings, we are a culmination of our environment, decisions, behaviours and habits. It is worth giving thought to how we live our lives; taking a step back to reflect on some of our own less-than-ideal tendencies and ponder about how we can mitigate or improve upon them. Here are some resources that I hope can help us foster habits and patterns that can create an upward cycle for ourselves over time.

In a world where more of us are increasingly working remotely, the issues of exhaustion, burnout and digital fatigue have become more pronounced in recent times. The implications on mental health and quality of life are real. Here are insights and resources that I hope can help us better understand the nature of the burnout that we may experiencing. More importantly, we can learn to manage, uplift ourselves and also the people around us.

Leadership is the act of guiding a team or individual to achieve a goal through direction and motivation -- and there is a leader in all of us. This issue contains insightful resources and pointers that touch on the various under-talked about but important aspects of leadership. I hope this inspires us to not just exercise good leadership in our daily lives as individuals and organisations, but more importantly, help us get through and thrive even in difficult times.

As our personal lives get increasingly intertwined with our work in this season, it becomes more important than ever to find ways to devote our energies to become more effective & productive as individuals. Here, I'd love to share with you on some resources and powerful ideas on how we can not only become more productive, but also make our work & daily life more meaningful in the process.

What does it mean to lead a good life? The meaning of a good life, or life for that matter, is subjective. But there are some evergreen truths and wisdoms that we can all live by that help us gain the most out of life even through obstacles and challenges. In this issue, I have put together for you a series of insights, tips & advice by some of the best thinkers throughout history on how to live out a good life. I hope these resonate with you.

Dignity is the state or quality of being worthy of honour or respect by virtue of being human, and every person has an intrinsic need to feel valued and needed. Yet, in our world, there is often a gap between the ideals and realities of how dignity is accorded to individuals across age, gender, social statuses and financial positions. In this issue, I'd like to bring attention to the topic of dignity, and the ways which we can protect & honour the dignity of others and ourselves.

Women have long played a huge part in our society and economy. When it comes to uplifting women, the work extends beyond just international women's day or month. In fact, it requires continuous effort from not just leaders, but also every day folks like us to recognise and appreciate the great potential of women in our lives. In this issue, I'd like to share insights on how we can be enablers of women's progress while staying aware of the realities and struggles they may face. I hope this helps us in empowering the women and girls in our midst.

When was the last time you received kindness from somebody? When was the last time you extended an act of kindness to someone else, and to what end? As it turns out, there can be tremendous merits and outcomes in paying forward a kindness received with a good deed to somebody else, especially when done out of gratitude. The concept of "Paying It Forward" is nothing new, but in our world, I believe we could do with more compassion and selflessness as it brings out the best in us.

As we begin a fresh year, it is a good idea to not just evaluate ourselves based on the previous year on how we have been managing our lives, but also to find out ways to become more productive as we move along. In this issue, I'd like to share with you some powerful ideas on productivity and how we can make the best of our resources, time, energy and capabilities. Let's do this!

In the words of Poet Ali in his TED Talk, "Every language we learn is a portal by which we can access another language"; the more we know, the more we can speak. To round off the year, I'd like us to take a moment to learn new concepts, stories and ways of seeking and connecting, which will empower us to adapt to the needs of others & ourselves in the way we relate, love, heal, and see possibilities. I hope this inspires you.

In a year where many of us are affected and perhaps feel powerless over our incomes amidst a pandemic, it is a good time to take stock of our financial health and confront our feelings about them & the way with deal with them. Whether we are young, middle-aged or senior, here are some important principles & practical tips on money management that we can fall back on which can go a long way into helping us optimise our finances and become financially wiser.

All of us would have people around us that we learn from in our lives. And people whom we in turn teach and need to be accountable to at some point - as students, working adults or parents. The better we are at relating and leading others into growth, the better we become as individuals. In this issue, I hope we can draw some lessons and wisdom from these materials that can help us cultivate values and cultures that we want in our lives and lift us up.

As humans, we often like to think we're right, even when we can be wrong at times. Many of us have the unconscious tendency to seek information that support our existing beliefs & disregard or undermine those that do not match ours. But doing so without awareness or questioning can have adverse effects in the way we think, make decisions & live our lives. Today, I'd like to share with you some potential consequences of confirmation bias & what we can do about them.

The world as we know it has changed for good on pretty much every level - from our lifestyles, to habits, to incomes and economy. As we navigate our way and find our place in trying times, it is important to stay grounded and keep the faith as we focus on seeing and creating opportunities, solutions & meaning. While there are no quick fixes in times like these, there's still a space for us to find ways to improve and cope better in our lives. I'd like to share them with you in this issue. Let's keep our heads up in choosing to persist in hope & good thoughts, and I believe we will emerge stronger than before.

As they dedicate their love and lives to their households and make constant sacrifices for their family’s & children’s well-being, mothers never retire. For all these, moms deserve more thoughts besides during Mother’s Day. But should mothers also think about planning their own retirement — financially speaking? In this issue, as we give tributes to all mothers, we would also like to give thoughts to a mother’s financial freedom. Mothers deserve a worry-free retirement as well.

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

Today's phone in our pocket has 100,000 times the power of the computer that landed man on the moon 50 years ago. Our world is evolving at breakneck speed today. The World Economic Forum projected that more new jobs will be created compared to the ones lost. Uncertainty remains about what these new jobs would be. But the time to change our approach to learning new skills has come. The time is now. The 4th Industrial Revolution has begun.

There are many new things to deal with at this time while we are being isolated from life-as-usual. A new lifestyle, a new future and something that can be quite subtle - a new kind of burnout. It should do us well to be aware about this so we can learn to disengage when we need to. I wish you and your loved ones good health and may you continue to stay safe!

Amidst a pandemic, the profound impact & discomfort of loss or the prospect of loss is felt almost universally. We may find ourselves and even those we care about feeling anxious & restless, which makes it challenging as we find ways to adjust not just physically, but also mentally & emotionally. At this time, emotional support for one another becomes ever more essential. Here, I'd love to share with you insights that can help us have a deeper understanding on the complex emotions that we may be dealing with, & the ways in which we can provide meaningful social support in our daily interactions through being present & holding space for others.

What the eyes cannot see is bringing countries to their knees as we write. The full impact of Covid19 is still unknown. It has ushered in a new reality for the World. Our lives will never be the same again. And Covid19 won't be the last. While we #fightasone, let's see how we can prepare ourselves and our children for this new future - together. Here are some good reads that I believe can help us rethink this new future and its possibilities. If you find these resources useful, please forward them to those you care about, especially at a time such as this. Cheers!

Here's wishing you and yours a very fruitful 2020, and the best is yet to come! Another year, and what better way to start it with a collection of thoughts that might turn out to touch your life for the better? I hope you could find something useful and share along with those you care about too. Cheers for a blessed 2020!

When the going gets rough, it can at times be easy to lose sight of what we set out to attain in our lives, be it in our personal endeavours, work or finances. The process of going & pushing through such situations may not be most comfortable, but persevering and talking about how to handle them is necessary. These are perspectives I found useful and inspiring. I hope this gives you hope.

In many ways, relationships are key to our well-being, as trusting, fulfilling relationships lay the foundation for our emotional health and security. But to work through relationships and trust matters aren't always linear or clean - they can be messy and raw. Here are some articles that I found incredibly valuable that enrich us in our personal and professional lives.

Change is hard. To force change is harder. They usually don't last. Perspectives however, are easier to accept. They change our minds and maybe that's what we need more than change itself. I hope you enjoy these articles.

These are some rather transformative articles that could help you and those you care about. So please be free to share them. I hope you find them beneficial. If you like them, do drop me a note and I'll be very glad to know I've added value and touched someone.

The lack of sleep being linked to chronic illnesses like diabetes and heart disease isn't a happy story. Certainly not for those of us who are more conscious about building happiness in life. Please share this newsletter issue with those you care about. We can impact lives together!

The Bucket List - chances are that you may not have made one. It is an interesting journey that we can take together. It's also a lot easier taking a peep at some of the most inspiring bucket lists that we have put together to share with you. Let's start one and live it out!

Since our taste buds are not working like black and white TVs. We know it's meant for some tasty good food. Yummy! Let's stay healthy, and also up our knowledge about making some nice interesting food. Here are some really good resources curated for you.

There's a man in Singapore, that every time he concludes a business deal, he would go buy a plant and plant it somewhere. It's a simple way of giving back. He was also able to disengage and be with himself while doing something meaningful, albeit how simple it was. In this issue are some more examples of such life's lesson that we can benefit from. All we need, is to just take some time, slow down and breathe in the fresh air.

There are just too many things that we know to be good for us, but have not yet become a part of us. Applying wise financial habits may be one of them. Here are some to learn about by seeing them from the eyes of a very successful woman - Oprah Winfrey. Change requires conscious efforts. I hope some of these thoughts will begin to be a blessing in your life. Cheers.

In case you missed the news, besides the big 3 - US, Russia & China, tiny Singapore would be the next to send a human into Space using a helium Stratospheric balloon capable of lifting an SUV. This is a 5 years arduous journey filled with many inspiring stories. A Visionary who saw the possibilities, followed by 150 applicants to be Singapore's first Astronaut, and finally an extraordinary individual to make the trip, laying his life on the line. Yet his project isn't about Space. It's about creating a better mental model for Singaporeans - that with the heart, mind and grit, we can do great things. Enjoy this historic moment.

Or rather, this issue is about learning the secrets of being interesting. Even calling it a secret is a little too much. In today's world of overwhelming information overload, it's about paying attention to certain things that some people do to make themselves more interesting than others. We can all do better in life with a little dose of this knowledge. So let's dig in!

In this issue, I'd like to do something different. All of the highlights are very interesting videos from TED talks about the way we think. The videos are between 15 to 30 minutes, but they are well worth your time I promise. Hope these resources will help create marginal changes in your life every so often. Let's be enlightened together!

Research seems to point to the fact that those who engages in deeper conversations with others are happier people. This is what I call a happy finding. It levels with what makes us human. We speak, we listen, we feel, we learn, we take and we give. And deeper conversations allow us to lift each other up.

In the last issue, we discussed how robots will change our lives in the future. It has become increasingly important for us to keep our minds on the ball, stay sharp and stay progressive. If half the jobs in 2020 are yet to be known to us, how can we prepare ourselves and our children today? To face a fast changing future, we need to first understand it. We need to try and take a peek into this future and start to embrace change.

We have come to a very unique juncture in time, where we are transitioning into the 4th industrial revolution. This is a time where technology as we know it will start to escalate in its rate of change. Our lives and jobs will surely be impacted. But how? It is time to consider this and take stock of where we might stand now and three to five years later.

From a parent to a child, between friends and professionally in the workplace - there's something special about the role of story telling. And we've a lot to learn from the world's great story tellers. Some of the best are comedians, public speakers and politicians. But there's more. I hope the following articles will help you get started in this interesting journey of learning and exploration.

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?

The future seems to come at us at a faster pace than before. It brings along with it many questions. Will automation take over our jobs? What new jobs will be created? And which existing ones will be obsolete? How can we survive? Yet some things don't change. Understanding the things that will change and those that won't can help us carve out a better future.

Most of us find it hard to change even when we know we need to. If only it's as easy as a walk in the park. But once in a while, a certain change of perspective is all it takes. Hopefully, today can be one of those time for you. We can gain some insights and wisdom from these articles that are worth sharing.

Do we need to get better at time management? Or do we need to instead think about Time itself? More specifically, what it means to us - with the very limited time that we have. The answer would be different for each of us. But I'm rather certain that taking time to ponder about Time itself can be a fruitful thing to do.

The World Health Organization's latest report says diabetes has quadrupled in the past 34 years. It's certainly something that we should care about. Not just for us, but also our loved ones. Here's a starter to help us understand and prevent this disease better.

Health is important, so is a good life and great food! One of the great thing about being in Singapore is that there's always new food places to explore. In this issue, I'd like to bring you to a couple really good yummy places - wrapped up with a hilarious video you don't wanna miss.

Singapore is growing as a cultural center. But why is Art important? And how can Art, in its many forms make our lives better? Deep within all of us, there's a need for expression and appreciation. There's certainly more for us to explore and learn about Art. Do not miss the video below. Oh how beautiful this is ~ a celebration of art and life!

It is always quite refreshing to discover new things about our health. In this case, Vitamin C is one of those surprises. Do watch the video below till the end ~ it could be a life saver. But please seek your doctor's opinion as well.

The more we read, the more we can share. And sharing is caring. Here are a few interesting articles I'd like to share with you in this issue of my newsletter. Remember to pass it along to those whom you care about too.

It isn't the bucket either. One good news is that more people are now surviving cancer. The other good news is that life expectancy has increased from 75 to more than age 80. But hold that thought for a moment - it's only good news if one is financially prepared to survive such a critical challenge.

We may have thought that creativity is a realm belonging to a selected few. But is it? In this issue, we explore together some interesting stories that may strike a chord of inspiration for you. You can be creative too.

Testimonials & Referral Notes

Avaday golf x Shell event

This private employees’ wellness event was held in Bukit Gombak golf range specially organised for 52 pax Shell employees for their Friday night chill out. Thank you Avaday Golf for coordinating.

16 August 2024

Meet my agent

Xin Min has been an absolute pleasure to work with, and I am so grateful for her expertise, knowledge, and professionalism.

I first met Xin Min when I was looking for a Hospitalisation policy. I was feeling overwhelmed by the process, but she took the time to explain everything to me in a clear and concise way. She also made sure that I understood my options and that I was getting the best possible coverage for my needs.

Since then, she has been there for me every step of the way. She has helped me with everything from filing claims to renewing my policies. She is always available to answer my questions, and she always goes the extra mile to make sure that both me and my family are taken care of.

I am so grateful for Xin Min’s help and support. She has made the process of buying and maintaining insurance policies a breeze. I would highly recommend her to anyone who is looking for a peace of mind.

- She took the time to understand my needs and goals before recommending any policies.
- She explained all of my options in a clear and concise way.
- She made sure that I understood my coverage and that I was getting the best possible price.
- She was always available to answer my questions.
- She went the extra mile to help me with my claims.

I am confident that Xin Min will continue to provide me with excellent service for years to come. I highly recommend her to anyone.

Alex, Private Banking

Meet a friend of ours

When it comes to Insurance, you need someone that you can trust to tell you the best policies you need, someone that can advise you how the policies work to suit your lifestyles, someone that willing to spend time to understand you and sincerely advise you with the best knowledge about there is, and of course, someone that do not oversell you just to hit their target. That someone is Xin Min.

Remember the first encounter with her at the cross point of the office bazaar, she came to me with a different approach (at that time), passing only her name card to me and ask for mine. At a normal setting, we will usually walk fast past them as we know they are either sales promoters or agents trying to sell you things. But for that instances, it was her unique and smart approach that got me, which then led to a second meet-up for details discussion, at my will, with zero push or obligation. That’s how I came to know her.

Occasionally, she would follow up with me and my wife on our status and see if she can help with anything with regards to the policies. No hard sell, no salesman culture just merely selling insurance, but more of selling the value to us. This is the kind of agent that can help you, that can rely on when it comes to difficult time.

We are glad that we met her and entrust our “life” on her. She is not a Insurance Agent, she is a Friend.

Edward, IT Sales Consultant

Meet someone reliable

Xin Min has been extremely helpful in sorting out all my various policies. Easy to talk to and clear in her explanations, I have understood my own financial needs through her thorough explanations. She has always been open and sincere in her conversations, and diligently ensures that my policies are up to date and relevant for the life stage that I’m in. I feel that she is very reliable and I am grateful to have her as my agent.

Leon, Doctor

Meet someone interesting

I am incredibly grateful for the outstanding service provided by Xin Min. Her expertise and guidance in managing my investments have been invaluable. Thanks to her strategic advice, I've seen significant growth in my portfolio. Xin Min's professionalism, attention to detail, and dedication to her clients truly set her apart. I highly recommend her services to anyone seeking financial guidance.

Dilshan, Software Engineer

Meet someone friendly

Xin Min is friendly, relatable and willing to go above and beyond to deliver quality services. I like that she had really taken time to understand my existing policies, financial situation and my profile to best advise what policy that i should be buying. She was also very patient to go through with me the policy details. The personal aspect allowed me to not feel afraid to clarify with her.

Chloe, Auditor at PwC

Meet someone interesting

Xinmin is friendly and I like that her financial services provide variety of options and packages. I also like that she does not hard sell and has good communication skills.

Stanley, Manager

Meet someone personable

Xin Min is a personable and patient advisor. She tailors the plan suitable to my needs and provides the necessary guidance as well. I trust her with my insurance-related needs and would recommend her services to others. Thank you!

Clare, Finance Executive

Meet someone efficient

Xin Min is prompt and efficient in keeping me updated with the policy changes. Presenting and explaining options available in an organised manner. She is also very present and easily accessible and have been efficient in her service.

Joy, Brand Analyst

Meet someone dedicated

Working with Xin Min as my financial consultant has been a game-changer. Her expertise and tailored guidance have transformed my financial situation. Xin min's deep knowledge, ability to explain complex concepts, and attention to detail have empowered me to make informed decisions. She's not only a skilled professional but also a person of integrity and exceptional dedication. I wholeheartedly recommend Xin Min as a financial consultant. She's an invaluable asset to anyone seeking expert advice and personalized strategies.

Nicole, Undergrad

Meet someone enjoyable to talk to

Xin Min is very sincere and gives me lots of guidance on which policies are suitable for me. She is also patient and proactive in checking in with me when I forget about things due to my busy schedule. I know that I can always rely on her as a source of help if I have questions about insurance policies. It's fun to talk to her as she shares her personal experiences with me and our conversations are very enjoyable. Thank you Xin Min for your dedication and I am glad to have you as my insurance agent!

Yveline, Executive at The Methodist Church

Meet someone helpful

Xin Min is a helpful and patient advisor whom you can rely on.

As I did not have much prior knowledge about insurance, she took the time to explain various policies in detail and clarify any doubts I had. Really appreciate her clear explanations and sincere advice.

Thank you Xin Min for all your guidance and knowledge that you have imparted to me!

Rachel, Designer

Meet someone friendly

I have known Xin Min for around two years and she has proven to be a friendly, patient, and proactive advisor.
When understanding a product, I usually ask numerous questions and she patiently hears and clarifies them.
She keeps me posted about any new plans suitable for my needs. This proves helpful in making timely decisions.
She can go beyond expectations in helping me make financial decisions. I would highly recommend her services to others.

Dr Ruchir, Computer Scientist at A*Star

Meet someone approachable

Xinmin is very approachable and reliable. She answers patiently to all doubts and queries as well as constantly updating me on the application status. I trust her with any insurance related needs.

Thank you Xinmin! ☺️

Michelle, Executive

Meet someone interesting

Xin Min has helped me along the way with planning for my future. She is patient and takes the time to fully understand my situation and helps to plan for it. She tailors her approach to my needs taking small steps and at a slower pace if necessary. She gives options and goes through each in detail to ensure I understand what I am getting into. Does not push and force me into anything. And also does not create the doom and gloom scenario if I refuse. Overall, a pleasant experience and inspires confidence in dealing with her.

Andrew Ann, Assistant Manager

Meet someone interesting

Xin Min is a easy-going and friendly person, since I do not have any experience in the insurance side but she was very patient with me. Guiding me step by step. Flexible meeting too with her introducing each aspect of different elements of the plan. Felt that part of my long term financial plan is secure.

Cheers!

Ke Yuan, Engineer

Meet someone interesting

Xin Min is friendly and approachable. She explains the policies clearly and easy for me to understand. She is also able to recommend the best solutions for each unique situation for her clients.

Willis, Executive at Prada

Meet someone friendly

Xin min is really friendly and quick in introducing herself as well as getting to know her client. She immediately try to fulfil / take care of my other financial aspect other than investments. I have benefitted tremendously from her services as she explained policies/products that I’m interested in very clearly before introducing me with suitable ones. I hope she can continue to checkin on the status of my investment that I am holding with her.

Aurelio, Business Planner

Meet someone professional

Xin Min is someone who displays true professionalism in her work. Filled with passion and dedication, she reaches out to help me in my financial planning in every way she can. She listens and understands my life story before recommending products that suits my needs. She even takes the extra mile to dig up records of my old policy just to give me an update on my financial whereabouts.

Thanks to her, I have less worries about my life coverage and wealth accumulation.

I highly recommend anyone to her because after knowing many financial advisors, she is definitely many steps ahead of the rest in terms of ethics, professionalism, and compassion.

Bok Mun, Media Specialist

Meet someone interesting

My meetings with Xin Min have always been marked by a relaxed and friendly atmosphere. She shows care and concern for my well-being both in the present and the future. i trust and value all that she shares with me in terms of her advice and experience regarding financial planning.

She has been patiently introducing me to basic ideas and must-know pointers about financial planning in clear and concise way. Her emphasis on the importance of starting early has encouraged me to take a closer look at my finances and plan for the future. She has helped me to buy plans that cover my savings and my health.

Matthew, student in NTU

Meet someone understanding

What do you like about meeting me?
- understanding and patient, give sense of assurance
- doesn’t pressure
- very relatable

How have you benefited from my service?
- having a well-thought/ proper insurance planning for myself
- more clarity
- doesn’t overspend on insurance

How can we improve our relations?
Let’s meet up more often!

Rachel, Executive

Meet someone interesting

XinMin and I can click very well and I feel that she knows her stuff well. I believe we can be friends long term, no just biz relations. I did up my savings with her and I’m very comfortable with her proposal as it suits my needs and budget. I hope we can have a long term relations.

Cheryl, Business development assistant

Meet my friend

What I like about her?

I met Xin Min in my second year of poly. As a student, I was anxious about almost anything that meant a financial commitment, thus, insurance was quite far back on my list of priorities at that time. Xin Min was very understanding of my situation and I appreciated that she could relate. She was patient in explaining policies that could meet my needs despite my prevailing limitations. I went on my way after our meet without feeling pressured to buy a policy and this very much put me at ease of working with her from then on.

How have I benefitted?

I have a savings plan that has been running for the past several years, ensuring that I would set aside a small amount regularly each month. I was on the fence for even simple policies like these for a very long time but Xin Min’s gentle encouragement had helped me to make that commitment and I haven’t looked back. Her readiness to explain new policies to me has also helped me understand insurance a lot better. I find insurance complicated for the most part, so having an agent who understands the policies helps a great deal and Xin Min knows her stuff.

TLDR: she is trust worthy, hardworking and reliable and my perception of her has grown as the years gone by. She exudes a sincerity that makes working with her fluid and pretty much fuss-free. You will be in good hands if you choose to work with her.

Gabriel, NUS Chem Engg student

Meet someone interesting

Xin Min is very friendly and genuinely concerned about needs of client. Can adjust plan according to client’s needs & affordability. I purchased a term plan to supplement coverage of my critical illness sum from my life insurance.

Weng Yan, Senior Account Manager

Meet someone friendly

Xin Min is a very friendly and professional agent. She has very strong product knowledge and able to answer each of my questions. Appreciate on her effort in analyzing my financial situation & expenses before recommending the plan that suits me the best. I'm very glad to have her as my agent!

Kai Ye, Accounts Officer

Meet someone patient

Xin Min is a genuine, dedicated and patient financial advisor. She makes effort in reviewing the policies I had prior to knowing her and made me understand my policies more. She is very friendly and thoughtful in providing good insights about investment policies.

Xuan Wei, System Analyst

Meet my friend

Xin Min is a genuine, dependable, dedicated and knowledgeable financial advisor. She takes time to understand my situation and needs for my financial goals. I appreciate how she evaluates my profile and introduces plans that are suitable for me, she even caters to my frequent questions on my future needs even when i'm not at that life stage yet. She looks out for her clients' best interests and treats them like friends. She is a wonderful friend and reliable financial advisor. I would strongly recommend her to everyone.

Lawrence, Treasury Associate

Meet someone friendly

Xin Min is a professional consultant who used her experience and knowledge to help me get the solution for my needs. She is also friendly and patient to answer my repeated questions and helps to solve the issues I faced with the related AIA service. Glad to have her as my insurance agent.

Qiu Xia, Industrial Designer

Meet someone interesting

Xin Min is a genuine and dependable financial advisor. She takes the time to understand my needs and assists me in planning for my financial goals. I appreciate how she evaluates my profile and introduces plans that are suitable for me; most importantly, there is no hard selling. She looks out for her clients' best interests and treats them like friends; I would strongly recommend her to everyone.

Pei Yi, Student

Meet someone authentic

Xin Min is a dedicated and knowledgeable advisor that i have known for years. She takes her time to understand my situation, needs and ability before making any recommendation. It is inspiring to see her motivation to help one achieve their desired financial goals. With her authenticity and sincerity, i also gained a wonderful friend! She would be who i think of if anyone needs a reliable financial advisor.

Victor, Landscape Architect

Meet someone dedicated

Xin Min is a dedicated financial advisor who aims to do her best for her clients. With her detailed explanations and friendly disposition, I bought an endowment plan from her and the process was quick and smooth. In addition, knowing that I have quite a few exemptions for hospitalisation plan, she even helped to look into plans which can help to cover those areas. Trusted advisor to look for for AIA plans, Thank you!

Jia Fang, Operations Executive

Meet someone trustworthy

Xinmin is someone who is very patient and understanding. Despite me having another agent whom I’ve liaised with for years, she didn’t mind me just purchasing a small package from her and still went extra mile for me when I need her help with payment issues. Would recommend her if you want someone trustworthy and sincere. (:

Amy, Operations Executive

Meet someone interesting

Xin Min is an attentive and friendly agent who looks out for the interests of her clients. Thanks for your advice over the years 👍

Derrick, Research Scientist In Dso National Laboratories

Meet a friend of mine

Xinmin is a sincere and dedicated advisor. You can count on her to be there for you. She will seek to understand your needs before offering her advice. Most importantly, she treats her clients like her close friends.

Jia Yu, Teacher

Meet someone interesting

Xin Min is a dedicated agent who centred her services on her clients well being. She patiently listens to my needs and gave me options to make a sound decision on what was important for me by assessing my existing policies making sure that I’m covering myself and my family sensibly. One thing that struck me was her enduring desire to extend herself more than just an agent, she took time to meet up with me when I was not well making sure that my medical plan was in place and if I needed help in anything. Her thoughtfulness extended beyond her role as an agent to a friend who truly cares. She is someone I would highly recommend to people who are looking for a trustworthy, honest agent and to those who wants a peace of mind knowing that she will be there to take care of your insurance needs.

Zahira, Counsellor & Psychotherapist

Meet someone interesting

Xinmin is someone who has extended knowledge in financial arrangements. Her experience in understanding of life planning and insuring is immerse. Within the 3years of being my agent, i would say she is one of the most understanding planner u can find. She will understand what are your needs, from getting information overtime for you and your family. Fine tuning the package you have over the years. This being said, she is being flexible for the work that she is doing. Rare Jem. Thank you for the extra effort given.

Zixiang, Business Owner of The Hardware Shop Pte Ltd

Meet someone interesting

Xin min 是我朋友的女儿，刚开始只是支持她买了一份保单。因为我本身也有一位服务我很多年的agent.可是后来发现她很乐意的回答我和帮我查一些咨询。很有礼貌和耐心的一位美女。加油↖️(^ω^)↗️。

Doreen, Property Agent

Meet someone interesting

It’s blessed that I met Min as my agent/advisor/friend. She’s been handling my insurance for 4years now. She will always give the best advise & outmost service on all my policy needs. Very knowledgeable, genuine & a great advisor. It’s a great experience & many more years to come. Thank you Min greatly appreciated !

Zwan Giant, Audio Specialist

Meet someone friendly

Xin Min is one of the most knowledgeable financial advisor that I have ever met. She really know her things well and most importantly, she takes her time to understand my specific needs, both current and future before making any recommendation, no hard selling. She is very friendly and I even got a surprise bubble tea delivery!

Glad that I’ve signed up my insurance plan with her. Highly recommended to seek for her professional advice if you wish to engage in all forms of financial, wealth, healthy or insurance needs.

Yoong Shen, Actuarial Manager of China Life Singapore

Meet someone interesting

Xin min is a trusted and dedicated financial advsior. I have supported her ever since she started and she has always delivered. She provides good insights about the different products and does proper planning for my financial needs. She is also very friendly and thoughtful in treating her clients well.

Ernest, Business Development Associate

Meet someone interesting

Have you benefitted from the service provided?
-Yes i did.

Which part of the process and service do you like most?
-Ms wee is well-organised and efficient. I like her prompt reply to my questions and doubts.

Are there areas to improve on?
-This is difficult to answer as my experience was a pleasant one (her service and the process). Well, if i must, she could improve on the product knowledge but my request to change old policies was uncommon, thus, I don’t fault her lack of knowledge. Overall, still pleasant!

Mr Lim, Senior Manager

Meet someone i trust

Xinmin is a dedicated, patient and experienced agent. She provides good recommendation that fits to my needs and she never fails to provide me with a comprehensive explanation despite the many questions asked. A very trusted agent of mine.

Kelly, Assistant Director of Finance

Meet someone i trust

XinMin has been taking care of my family’s financial portfolio for the past 5 years. She's been a great help to me, my parents and my siblings to understand the policies we hold. As I will be starting my own family, I will also put my trust in her. Do get to know her as she is trust-worthy and friendly.

Clare, Director

Meet someone interesting

Xinmin has been a great help for me and my family in terms of financial planning in the past few years. Trustable and reliable, give her a call if you need any opinion.

Deon, Entrepreneur

Meet someone I trust

Xin Min is a great financial advisor and with her strong knowledge about insurance, I am able to know what are the different type of policies I needed at different stages.
She did not miss any of our yearly review nor updates which I truly appreciated as this makes me feel that she cares about all her clients.
Up to now, I think it has been a good experience and I am happy to have her as my advisor.

Lynette, Junior Merchandising Executive

Meet someone interesting

Xinmin is very knowledgeable about the financial products and has helped me tremendously with my financial planning. She is a friendly and meticulous agent who will go all out for her clients.

Rosaline, Sales Representative at Pearson

Meet someone genuine

Xinmin is very genuine in giving me financial advices. I like how she is not pushy in selling me products but genuinely review the policies that i have and what else is not enough for me.

Christine, Senior Marketing Executive

Meet someone interesting

Xin Min has been handling my insurances since 5 years back. She takes the effort to understand me as a client and introduce plans catered to my lifestyle and spending habits - which is something I really appreciate! She's definitely the go to person for any insurance plan/advice that you would like to know more about or purchase! Thank you, Xin Min!

Nicole, Occupational Therapist at KTP

DISCLAIMER

This is not an official AIA web profile. 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.

Wee Xin Min

Financial Consultant

Wee Xin Min

Financial Consultant

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