CallieCares Financial Questionnaire

Fact Finder
  • Intro
  • About You
  • Income
  • Assets
  • Liabilities
  • Expenses
  • Investments
  • Insurance
  • Goals
  • Concerns

Hey there~ 

Congratulations on taking action to build a better financial future for you and your loved ones.

⏰ This financial questionnaire will take you about 15-30 minutes to complete, depending on how well you track your own financial portfolio.

✅ Before you start, please make sure you have the following:

  1. CPF account details
    which you can retrieve by logging into  my cpf digital services or CPF Mobile app via your Singpass to view your account balances

  2. Insurance policy documents
    the Product Summary and Benefits Illustration for your insurance policy - you can either login to the insurer's portal using your Singpass to retrieve and download the information OR write in to the insurer to request for them

  3. Loan Details (if applicable)
    this includes the Loan Amount, Monthly Repayment Amount, Interest Rate and Loan Tenure; which you can usually retrieve by logging in to your iBanking account

  4. Investments
    this includes the name(s) of your investment(s) and its current market value.  

👀 Please also note that this questionnaire is best viewed on a desktop.

Thank you for putting your trust in me. I look forward to working alongside you and helping you achieve your Rich Life together 🔥

 
🏥 Your Health

Do you have any pre-existing medical condition or family history for certain illnesses? 
Here are some examples for your reference:

a. Pre-existing Condition:
High blood pressure since 40 years old but is well-controlled using medication

b. Past medical history:
Appendicitis surgery 2 years ago

c. Family history:
Uncle had lung cancer, grandfather suffered a mild stroke

💰 Your Income
$
/month
$
/year
$
/month
$
/month
$
/year
$

Are there any other sources of income that you have? Please list them below 👇🏻👇🏻
Use the '+' sign to add more items.
Please feel free to give further elaboration on your various sources of income.
🏠 Your Assets
Please leave blank if this is not applicable to you
$
Please leave blank if this is not applicable to you
%
$
$
$
$
This is only applicable if you are above 55.
$
$

Are there any other assets that you have? Please list them below 👇🏻👇🏻
Use the '+' sign to add more items.
Please feel free to give further elaboration on any other assets that you own.
💳 Your Liabilities

Do you have any outstanding loans that you are currently servicing? Please list them below 👇🏻👇🏻
Use the '+' sign to add more items.
$
/month
💸 Your Expenses
How to enter the numbers:

For a more in-depth analysis, please try your best to provide a more detailed breakdown of your expenses using the list of dropdown menu items.
Eg, under "Personal Expenses", you can provide a more detailed breakdown of your monthly expenses in this category into Shopping, Entertainment, Dining out etc.

However, if you are unsure of the breakdown, then please provide an estimated lump sum under each category. 
Eg. under the category "Household Expenses", select "All-Household" from the dropdown menu to input an estimate for all your household expenses, which is inclusive of Utilities, Phone bills, Groceries etc. 

Q: It's very troublesome to give a breakdown of my expenses. Can't I just lump everything together?

A: Some expenses are not permanent and you will only be paying for them for a limited time period. For eg, your child's university fees is an expense that will only last 4-5 years.

By breaking down your expenses, we will be able to provide you with a much more accurate analysis across your timeline and the resulting report will be a lot more useful to you. Especially when it comes to long term planning.

So please take the extra few minutes and try your best to give as detailed a breakdown of your expenses as possible. It'd be worth it, we promise! 😊

Q: What if I share expenses with my spouse?

A: In order for us to provide you with a more accurate analysis, please provide the estimated amount of your contribution under each category.

For eg, if the expenses are split 50-50 between you and your spouse and

if monthly internet subscription = $100, then under "Monthly Household Expenses", your input will look like this:

  1. Monthly Household Expenses: Tel/Mobile/Internet
  2. Total Amount: $100
  3. I pay: $50
Please feel free to give any further elaboration on your expenses.
📈 Your Investments

Do you currently hold any investments? Please list them below 👇🏻👇🏻
Use the '+' sign to add more items.
What's your Risk Profile? 💹

The following questions in this section are designed to help us understand your risk profile, which will help guide the investment strategy. So please take your time to consider the questions carefully before choosing the most appropriate answers.

Disclaimer: Please note that references will be made from your responses to the questions to guide us in understanding your general risk profile. Specific responses to the individual questions should not be construed as a factor that will govern or influence the investment advice provided by us.

With a longer time horizon, you can afford to adopt a riskier investment strategy as you have more time to ride out the volatility. In contrast, the shorter your time horizon, the less likely your investment can recover from a huge drawdown should there be one.
When you have foreseeable financial needs (like the purchase of a house, education, marriage, retirement needs), do you plan to withdraw the profit or even part of your principal from your investment portfolio with finexis? Withdrawing some funds from your portfolio may negatively affect the potential long term performance.
When unfortunate events happen, your stable income and net wealth may be at risk or you may be subject to higher financial liability. If you are not fully hedged, this will lead to unforeseeable financial needs.

Which one of the following portfolios look more attractive to you in terms of potential risk and potential returns? *

Captionless Image

The graph below represents possible ranges of returns for the three portfolios. Please note that the graph below is purely indicative and for illustration purposes only. It does not represent a guarantee of performance in any way.
Losing money is never a pleasant occasion. When the loss exceeds your psychological risk tolerance level, most investors will feel worried and subsequent investment decisions will be affected to some extent. Thus it is essential to understand your psychological risk tolerance.
Most Investors’ subsequent investment decisions will be affected to some extent when the loss exceeds their psychological risk tolerance level. Knowing how you react under emotional distress helps us to understand your risk appetite.
Some Investors' subsequent investment decisions will be affected to some extent when they see their investments fluctuate a lot (including the upside fluctuation). Knowing how you react under such situations help us to understand your risk profile.
☔️ About Your Insurance

Please provide us with the insurance policy documents (Product Summary and Benefits Illustration) of your existing policies.

These include Whole Life, Term Life, Endowment, ILPs, Annuities, Accident, Company insurance etc.

Q: Why do I need to upload my insurance policy documents?

A: Part of our analysis process is to help you optimize your insurance coverage and to maximize the value of every dollar you put in; so that you don't overpay for your insurance.

By providing us with your policy document(s), we can ensure the accuracy of the data input we use to perform your analysis.

Q: Is my information safe?

A: Absolutely. We value your trust and respect the privacy of your data so your information will never be shared with any external third parties.

And we take your data security seriously. This site is protected, in real time, against viruses, malware and other cybersecurity threats. All uploaded documents and info are encrypted and saved on a secure infrastructure. Whenever your data is in transit between you and us, everything is encrypted, and sent using HTTPS. 

You can upload up to 50 documents, with a maximum file size of 10MB for each document
This is the one that complements your MediShield Life coverage to cover the cost of your hospitalization and surgical fees. To check if you already have an Integrated Shield plan, you can log in to the Healthcare dashboard in your CPF account (http://cpf.gov.sg/healthcare) to view your coverage status under ’Health insurance’ section.
If you don't have a rider attached to your Integrated Shield Plan, please enter "NA"
This is the one that complements your MediShield Life coverage to cover the cost of your hospitalization and surgical fees. To check if you already have an Integrated Shield plan, you can log in to the Healthcare dashboard in your CPF account (http://cpf.gov.sg/healthcare) to view your coverage status under ’Health insurance’ section.
To check if you already have an Integrated Shield plan, you can log in to the Healthcare dashboard in your CPF account (http://cpf.gov.sg/healthcare) to view your coverage status under ’Long-term care insurance’ section. If you have a Supplement plan, this section will show the insurer of your Supplement. To find out which Supplement plan you are covered under, you will need to contact your insurer to find out.
Eg: Singlife Careshield Plus with monthly benefit of $1000.
🎯 Your Goals

Be it working towards an early retirement or buying a condo before you turn 35, we all have some goals in life that we are working towards. 

What's yours?

In this section, list the goals that you are working towards and by what age do you plan to achieve this goal.

Under "additional info", you can add in details that will help us with your planning. Examples are listed below for your reference:

✅ Goal = Buying a property
Additional info: 4 bedded condominium that costs around $2 million
✅ Goal = Buying a Car
Additional info: New Mercedes-Benz GLS450 AMG Luxury
✅ Goal = Planning for Wedding
Additional info: Estimated budget of $50,000
✅ Goal = Planning for a Child
Additional info: Estimated budget of $20,000
✅ Goal = Planning for Child Education
Additional info: Hope to save enough to send child to study overseas
✅ Goal = Planning for Retirement
Additional info: Aim to retire at age 60 with a monthly retirement income of $4000/month in today's dollars (for both my spouse and I)
✅ Goal = Planning to start a business
Additional info: Estimated budget of $50,000
✅ Goal = Planning to further studies
Additional info: Plan to do MBA in 2 years time in NTU. Estimated $60,000
✅ Goal = Planning to go abroad every year
Additional info: Estimated travel budget of $10,000 a year

📌 Note: Being as detailed as possible with your goals is very helpful in our analysis and allow us to produce a much better report for you, customized based on your unique goals and actual numbers. 

That way, we can have a much more meaningful and fruitful conversation when we go over your financial report and work together to outline a strategy that can future-proof your portfolio while taking concrete steps towards achieving your goals.
😟 Your Concerns

Besides your goals in life, what are some of the concerns you have? Share them with us so that we can take them into consideration as we prepare your analysis report.

Please select all that applies:

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  • Perform a holistic review of your financial portfolio
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