Finding The Silver Lining

Janelle Chong Hui Pin

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A Monthly Curated Newsletter

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.

How to Be Happy in a Recession

Recession begets misery, which makes for more economic bad times. You naturally make the pattern worse by following your loss-aversion instincts. Although you probably can’t break the global economy out of this feedback loop, you can break yourself out of it. Start with the following three practices.

Here are 8 ways to bulletproof your finances ahead of a likely recession in 2023

5 personal finance experts here give tips on how to protect your finances. Their recommendations include building up an emergency fund, trimming your regular spending and up-skilling

How to Stay Optimistic During Hard Times

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Proudly Brought to You I seek to reach out to people who believe in safeguarding the interests of 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.
Janelle Chong Hui Pin

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DISCLAIMER

This is not an official AIA newsletter. 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.

© Janelle Chong Hui Pin, All rights reserved.

Testimonials and Referral Notes

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Hong Kai, Engineer

Janelle is a knowledgeable and friendly Financial Services Consultant. She went through the financial health check session professionally and addressed my concerns patiently. I'd definitely recommend her to my friends and colleagues who would like to find out more about wealth accumulation strategies.

Shawn Seah, Deputy Director

I appreciate Janelle's patience and understanding throughout the consultation process. She’s meticulous and offers useful recommendations. Through a pleasant series of discussions, she customised solutions based on my family's needs. As such, I would recommend her.

Maityili, Student

Janelle has given me a great start on how to start financial planning at a young age and how it would benefit me at different stages of life.

Dunstan, Quantity Surveyor

As a first time insurance purchaser, Janelle has truly analysed and understand my needs. She has very strong knowledge and knows her products well. It was a great experience on my first purchase.

Chloe, Gymnastics Coach

Janelle is a dedicated Financial Services Consultant who is passionate about delivering quality work and cares for her clients. She reached out to me proactively to arrange the appointment based on my schedule. During the consultation, she would do risk profile analysis and make sure I made well-informed investment decisions that aligned with my goals and risk tolerance. I feel assured during the financial planning process.

Gideon Cheong, Club Growth Director

This is to appreciate Janelle Chong (Hui Pin) whom I've known for many years. She is a conscientious hard working person who are always cheerful. She is careful and meticulous with details and always willing to help. She's calm and composed when challenged in awkward situations as she always prepared with a solution. I will not hesitate to recommend her as a trustworthy person whom we can rely on anytime. She will be an ideal Financial Services Consultant if you will believe me. Sincere regards to Hui Pin.