Josh Tan - TheAstuteParent

LAST CALL: REDUCE YOUR INCOME TAX RIGHT NOW 🌷

As the year-end nears, there are a few things to top up to.

1) Up to $8,000 tax relief for top up to CPF Special account OR Medisave 💫

Do note contribution to your SA is to FRS amount of $213,000 for 2025.

If you hit that already, consider topping up to medisave 👏

Do note the Basic healthcare sum limit (BHS) of $75,500 for medisave for 2025.



2) Up to $15,300 with top up to your Supplementary Retirement Scheme Account (SRS) 💫

This is the max amount for SRS and the common question is can you contribute less like $10,000 only? Absolutely yes. IT'S VOLUNTARY.

What you contribute you directly reduce your taxable income by that amount. Hence, aim for the max $15,300 if cash budget is ok.

If you are earning $80-$120k, you could be in the 11.5% tax bracket and that is a savings of over $1700.

If you are earning $280-$320k,, you could be in the 20% tax bracket,
that’s a tax saving of over $3,000— money saved from your pocket! 😃

Do note for SRS, you should contribute with the intention of not seeing it until your age62 k.


Further tips for you

1) Don't leave the SRS contributions idle inside your account. ❌
It earns next to nothing.

2) Avoid buying Singapore savings bond with SRS ❌

I'd advocate to invest it into equities to grow it since most of us are some years away from age62. There is a long term horizon.

3) Avoid buying stocks with SRS ❌

You can only buy only SG listed stocks. Not U.S. stocks.

I used to invest my SRS into SG small cap stocks. But as I grow older and think about retirement, diversifying for a more consistent return and having it easy for withdrawal in future becomes more important.

In addition, dividends get paid into SRS and often neglected.

Lastly, for corporate actions like RIGHTS especially for REITS,
It is a lot more tedious and not as easy to pay for it as compared to cash holding. 👌


What I'd advocate is to build equity portfolios for growth. ✅



Let me know if you have further questions on tax relief strategies

and check this link below for a full tutorial.

Watch now 🙂: https://youtu.be/WjvebP8e1Cs

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1 day ago (edited) | [YT] | 13

Josh Tan - TheAstuteParent

Small gains despite a volatile NOVEMBER 😉

Particularly tough month for China and Emerging Markets.



Q - Is the bull market over? 🔥

Truth is no one knows.

Success in investing relies less on predicting the future

But more on your ability to ignore the market noises and fears.



One key message I'd like to share to private clients, followers... 💫

Warren Buffett famously states that temperament, not intellect,

is the most important quality for an investor.

Fear and greed can derail even the smartest analysis.

Buffett argues that a high IQ is sufficient but emotional discipline is what ultimately determines success.


****

End Nov2025 new high for us - a 107%/y/y growth ✅

Regular investing RSP now at $675k/m ✅

****


If you need help in retirement of building up your investment portfolio,
reach me here - www.theastuteparent.com/josh-tan/

Have a game plan
And consistently into 2026 to capture market opportunities. 👍

1 week ago | [YT] | 12

Josh Tan - TheAstuteParent

Can we make lasting impact? 🔥

A few nights ago, I was at a heartlands mall in Shenzhen when I heard a street singer’s voice drift through the evening air.

He was singing a song that was a hit 16years ago
— “Always online”
one of those heartfelt ones that never really fades with time. 🥺

More importantly it was from our very own JJ Lin from the little island Singapore.

JJ was only an up and coming singer back then,
not the superstar he is today.

***

I hugged my boy Alex and enjoyed the beautiful tunes.
That moment really stayed with me. ❤️

It made me think about what it really means to make a lasting impact.

When JJ first sang this song, he wouldn’t have guessed this song would last for 16years. 👏

Much less be sung in the heartlands of China where probably no one knew him back then.

***

So, can we also make a lasting impact?

Maybe…✅

We often talk about legacy as something big — a project, a business, an idea that changes an industry.

But sometimes, it can come from something small.

A little piece that is appreciated by people many years into the future.

I sure hope some of my sharing here on Youtube will be useful 16years later too!

***

So… Enjoy what you do today at work.

Do your very best too 👍🏻

Maybe 16years later, your efforts will also blossom at somewhere you least expected it to 🙂


SUBs to join our journey and share with someone who should hear too!

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1 week ago (edited) | [YT] | 49

Josh Tan - TheAstuteParent

I'm Going to BUY A NEW CAR Soon! 😄

Hence, I've invited Daren Yoong to share everything
about electric vehicles (EV) in Singapore.

- Who are the top sellers ⭐
- what are the differences between the brands
- what's a first good EV
- what to take note if you want to drive into Malaysia.

And also about TSLA stock that he owns. 🍺🙂
Join in our discussion 👍🏻
Link below also https://youtu.be/ssgv65Ec6IM?si=q9qMn...

3 weeks ago | [YT] | 3

Josh Tan - TheAstuteParent

Warren Buffett's final advice to the world
before "going quiet" 👍🏻

1) Mr market is fickle 💰

Inevitably there will be good and bad times
Investors need to remain focused on the long haul 👍🏻

For me in this year, Ive bought into BYD.
Margins are tough at this very moment and share price is beaten down.
But it is still a shining brand
that will dominate the world just like TOYOTA in 1990s. ⭐


2) Don’t beat yourself up over past mistakes

Learn at least a little from them and move on.
It is never too late to improve.

For me in this year, I sold on Pop Mart, Centurion and LHN
with a one bagger + which sounds good ⭐
but there was so missed out.

Patience can be further improved. 🙏🏻


3) Greatness from helping the world 😃

It does not come about through accumulating great amounts of money, great amounts of publicity or great power in government.

Kindness is costless but also priceless.

I've pledged 4 more years of Josh Tan Bursary to NTU.💰


4) Respect

Keep in mind that the cleaning lady is as much a human being as the
Chairman. 🙏🏻

Enjoy this? ♻️ Repost it to your friends and
subscribe to Josh Tan - TheAstuteParent
and join more than 65,000 subscribers TODAY!

4 weeks ago | [YT] | 67

Josh Tan - TheAstuteParent

We've crossed $28M managed in our main platform alone 🙂
Really exciting times ahead 👏

Quick updates on our portfolios for private clients.
The equities growth portfolio has seen strong growth
with Japanese equities as a surprising top performer.


The dividend solutions portfolio has resonated
And is our fastest growing segment.
SG stocks are in earnings season with banks reporting soon.🌟

The Stocks compounder portfolio is growing.
At this moment, HK stocks are in correction phase
and we have recommended investments suitably.


One key message I'd like to share to all is
"To moderate down expectations."
We've had an amazing 3years in equity markets of >15%pa gains,
It is easy to get carried away 👏

If you are also an investor, stay patient,
DCA and consistently build towards 2026!


****
End Oct2025 new high for us - a 113%/y/y growth

If you are looking into your retirement and want to build with us a proper portfolio 🌟

Learn more here 👍🏻🙂 - www.theastuteparent.com/josh-tan/

1 month ago (edited) | [YT] | 17

Josh Tan - TheAstuteParent

Should I still contribute to SRS if it is going to cross $400k?
Here’s how to answer this… 🤫

But firstly, how did this max of $400k in SRS idea come about?

Some in forums have this misconception. Let me explain...


How SRS withdrawal works is that you have a 10y withdrawal window

And any amount you withdraw is 50% taxable.

If you withdraw $400k one shot, $200k becomes chargeable income - “income”

You'd have to pay quite some taxes... not wise...


But if you withdraw $40k only each year, which $20k/y becomes “income”

And at $20k, it is a tax free bracket. 🤗

Work backwards for the 10y window, $40k/y for 10years,

that is where the max of $400k misconception came about. 🙅‍♂️


Now here’s where understanding personal tax income bracket is important.
What you save in tax today depends on your “income” today.

If chargeable income is $240k-$280k, there are amounts taxed at 19.5%

If it is $120k-$160k, there are amounts taxed at 15%

Assuming “income” $120k-$160k, each $10k you contribute to SRS already saves you $1,500!

That’s how powerful tax relief feels at 15% bracket.

The higher the income, the more the tax relief has value.


Now let’s say you cross $400k inside your SRS and get to $600k.

If you withdraw $60k instead each year, because 50% is taxable, $30k/y becomes “income”.

Yes you’d have to pay some tax. 🔥

But do you know how much?

It's only at a 2% bracket. Look at the personal income tax table!

Very little still... 🤗


Amounts at 15% saved today from SRS tax relief

for amounts with 2% tax in future.

So if you are asked today,
Should I still contribute to SRS if it is going to cross $400k?

Answer is YES you should! 100% 💪

Get it? 😉

Wait, we are not done...

We haven’t even factored the time value of money.

$1,500 saved today for $200 in future (which could feel like $100 today)


Bottom line is, contribute to your SRS and save taxes today.

Regardless of how much you have already inside SRS.

And have it invested for long term growth. 🌷

PS: Don’t buy SSB with it. You have a long term horizon.


It is a good problem to have if your SRS investment portfolio grows big.

So BIG that you have to pay some taxes in future 😁

It is still smart financial planning!!! 🤝



Enjoy this? ♻️ Share it to your network and
if you want more actionable steps, join 65,000 subscribers TODAY!

Video to watch next: Here's Why I'd Get To $1m In SRS 👏! Get Tax Relief And Aim For It Too! https://youtu.be/INnURuCkTHI?si=DMgWr...

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1 month ago | [YT] | 49

Josh Tan - TheAstuteParent

I shared this powerful quote for couples to think finances together ❤️

"If you dream alone it's a dream. If you dream together it's reality".

What is the meaning of this...

If you DREAM TOGETHER, its

mutual accountability... 💫

its collaborative... not about you OR me but us

and that's why it's transformative 👏


I wish that for all young families in Singapore.

To transform their lives with the BIG dreams of building a house together and

raising a family successfully in their lives together.


Seedly PFF 2025 - What should couples do with their finances

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1 month ago | [YT] | 24

Josh Tan - TheAstuteParent

It took me 10y to be good at investing, I’ll teach it to you in 5 minutes 👍

1) Consistent investing more than market timing. ✅

Dollar cost averaging is the simplest way to build an investment base.
It saves you time and decision making.

More importantly for starting investors, it cultivates the right mindset.

In my practice, I've built more than $500,000/m in total of regular investing for my private clients.

2) Keep emotions in check. ✅

Don't get too high and don't get too low.

When markets are roaring, understand sometimes it doesn't need us to participate.

Handling our FOMO wins half the battle.

Warren buffett - "The most important quality for an investor is temperament not intellect" This not only applies during market crashes.

3) Opportunity in crisis ✅

When markets crash, expect bad news to justify.

Regardless of the news, it may be opportunity.

Being contrarian allows you to take counter-intuitive actions.

Being optimistic allows you to see past the short term pain.

4) Be ready for volatility ✅

Volatility is your friend not your enemy.

Market timing and hedging strategies MAY appear to be your friend
but is often your enemy.


Enjoy this? ♻️ Repost it to your network and follow Josh Tan for more.

Want actionable systems you can implement today?
Subscribe to my YouTube if you haven't done so,
We have more than 65,000 subscribers today! 👍

2 months ago | [YT] | 35