Wealth Strategy · Singapore
Most advisers tell you what to do. I do it myself: stocks, REITs, property. See the same strategies I use.
About
I'm a practising investor and business owner. I invest in stocks, REITs and property. I run a business. I build wealth the same way I help my clients: through direct practice, not theory. I share what I'm learning and applying.
I advise on investments, insurance, retirement planning, estate planning, keyman coverage, and group insurance. Full suite, one relationship.
Stocks, property, businesses. I invest my own capital alongside advising yours.
I run a business. I understand corporate structures, surplus cash, and keyman risk.
I invest in property and share insights. Most advisers avoid this topic entirely.
Investment, insurance, retirement, education, legacy, keyman, group coverage. One adviser.
My Approach
A 5-step wealth system. Not a product pitch. Every client starts here, so we build on a foundation... not a guess.
Assess your current financial position. Where you stand today, with full clarity. No assumptions.
Clear bad debt and fix cash leaks. Before we build wealth, we stop the bleeding.
Build protection so one bad event does not wipe out everything. Medical, income, critical illness.
Build cash flow with income-generating investments. Growth with downside protection.
Plan retirement income, estate, and legacy. Make sure your wealth outlasts you.
Services
Grow your wealth at 7-8% per year*, compounding over 10-20 years. Put your money to work so it grows while you focus on what matters.
Eliminate the headache of unexpected medical incidents and ensure you are covered for up to 60 months without income if something happens.*
Retire 5 to 10 years earlier than planned by closing the gap between your CPF projections and what you need.*
Secure your children's overseas education by building a fund that targets long-term growth*, so tuition fees are covered without touching retirement savings.
Protect and transfer your wealth to the next generation with a proper estate plan, reducing the risk of assets being frozen or disputed to zero.
Put idle business cash to work by generating dividend income from surplus funds, instead of letting it sit earning nothing.* Keyman and partnership coverage included.
Interactive Tools
Real-time calculators built specifically for the Singapore financial landscape. No assumptions, just math.
Estimated SA Closure Gap (Interest Lost)
Interest lost over 10 years (ages 55 to 65) by keeping your withdrawable funds in OA (2.5%) instead of SA (4.0%).
Learn the 3 specific shielding strategies Umar uses to preserve 4%+ interest on your CPF funds after the SA closure.
Who I Help
Choose the situation that best matches yours to see how Umar structures custom strategy frameworks for your scenario.
You are earning well, but leaving surplus funds in cash losing to inflation. You want to compound your wealth systematically without speculative day-trading or stock picking.
"The biggest mistake is waiting for the perfect stock. A simple, systematic portfolio beats speculation 9 times out of 10."
- Umar Yusof
No pitch, no pressure. I will listen to where you are, where you want to go, and tell you honestly if I am the right person to help. 20 minutes.
Message Me on WhatsAppNo pitch, no pressure. Just a conversation.
* The 7-8% target annual growth figure is based on the historical annualized return of the S&P 500 Index (approximately 10.3% nominal, approximately 7% inflation-adjusted since 1926; source: macrotrends.net) and the MSCI World Index (approximately 9.3% compound annual growth rate since 1970; source: msci.com). The $2-5K monthly dividend income figure is achievable depending on the amount invested and portfolio composition; for example, at a 5% annual yield, approximately $480,000 invested would generate approximately $2,000 per month before taxes. Dividend income is not guaranteed and depends on market conditions. The 5-10 year earlier retirement figure is an illustrative target based on closing the gap between CPF projections and retirement needs through disciplined investment, and will vary by individual circumstances. Past performance is not indicative of future performance. All investments carry risk, including the possible loss of principal. Actual results will vary depending on individual circumstances, market conditions, and the specific products or strategies selected. This website does not constitute an offer, solicitation, or recommendation to buy or sell any financial product. Please consult a qualified adviser before making any financial decisions.