Wealth Strategy · Singapore

"$100,000 left in a savings account for 20 years earns $1,000. In a managed portfolio, that same $100,000 targets $287,000."

I Invest My Own Money at 7-8%.
Here's How.

Most advisers have never invested a dollar of their own money. I have. Stocks. Property. Gold. Every strategy I give you, I run myself first. No theory. No guessing.

If you're earning well but your money isn't working as hard as you are, that's the gap we close together.

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$286K* Difference on $100K over 20 years vs savings
$2-5K* Monthly dividend income target
5-10 yr Earlier retirement, on the same income

About

I invest my own money.
Then I advise on yours.

I started as a professional with a salary and no real plan. I watched $80K sit in a bank account earning $40 a year. That was the moment I stopped waiting for someone to fix it and started figuring it out myself. I invested. Made mistakes. Built a system that works. Now I help others run the same playbook.

"Boring beats brilliant, every time. The person who invests $1,000 a month for 20 years beats the one who tries to time the market every single time."

Investments, insurance, retirement, estate planning, keyman, group coverage. One person. One conversation. No referrals. No handoffs.

Practising Investor

I put my own money in before I put yours in. Stocks, property, businesses. That's what skin in the game actually means.

Business Owner

I run an AI company. I deal with corporate cash flow, tax structures, and keyman risk firsthand. I'm not guessing when I advise business owners.

Property Expertise

Most advisers won't touch property because they don't know it. I invest in it. I'll tell you how it fits your overall wealth picture.

Full Suite

You need one person who sees the whole picture, not four specialists who don't talk to each other.

My Approach

The S.H.I.F.T. Method

Five steps. In order. Most people skip steps 1 and 2 and go straight to buying products. That's why they end up with things they don't need. We do it right.

S

Snapshot

Most people don't know their exact net worth within $50K. We start there. Know your numbers or everything that follows is guesswork.

H

Heal

You can't fill a leaking bucket. Unnecessary premiums, idle debt, cash going nowhere. We find the leaks before we build.

I

Insure

One hospital bill can cost $80K. One retrenchment can drain your savings in 6 months. One diagnosis can wipe out everything you built. We make sure it doesn't.

F

Flow

Picture waking up on a Monday and $500 has already come in. That's what a dividend portfolio does. We build the system that pays you whether you show up or not.

T

Transfer

In Singapore, dying without a will freezes your assets. Your family waits 6-18 months for access. A proper estate plan takes one afternoon to put in place. We do it together.

S.H.I.F.T. in 5 words:

Snapshot → Heal → Insure → Flow → Transfer. In that order. Always.

Services

What I Help With

Investment

A savings account earns 0.05%. The S&P 500 has averaged roughly 7-8%* annually over decades. On $100K, that gap compounds to over $286,000 difference after 20 years.* The math is straightforward. We execute it.

Insurance & Protection

Picture this: you're in hospital for 3 weeks. The bill is $87,000. Your MediShield Life covers $12,000. Where does the rest come from? We run the exact calculation, find the gap, and fix it. Target: 60 months of income coverage.*

Retirement

CPF Life pays out at 65. If you retire at 55, you have a 10-year income gap with nothing coming in. At $4,000/month, that's a $480,000 hole. We calculate your exact number and build the bridge before the gap opens.*

Education

Overseas university tuition runs $100K–$300K over 4 years. Most parents find this out when the acceptance letter arrives. A dedicated fund started at birth, growing at 7-8%*, covers it without touching your retirement.*

Legacy & Estate

In Singapore, dying without a will triggers intestacy law. Your assets freeze. Your family waits 6–18 months for court approval before they can access anything, including the family home. A proper estate plan prevents that. One afternoon. Done.

Corporate & Business

$200K in a corporate bank account earns $100 a year. In a managed portfolio, that same $200K targets $14,000 a year.* I run this myself with Lumora's surplus cash. As a fellow business owner, I know what the structure needs to look like.

Calculators

See Where You Actually Stand

Most people have a rough idea. Put your real numbers in and see exactly what the gap looks like.

Full Retirement Gap Calculator →
40
30 54
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$0 $300k+
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$0 $1,500
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$0 $300k+

Estimated SA Closure Gap (Interest Lost)

$0

Interest lost over 10 years (ages 55 to 65) by keeping your withdrawable funds in OA (2.5%) instead of SA (4.0%).

Before Policy Change (4.0% in SA/RA)
$0
Under New Policy (2.5% in OA)
$0
At age 55, your SA will be closed. Any withdrawable balance swept to OA earns 1.5% less per year.

Get the CPF Optimisation Cheatsheet

Learn the 3 specific shielding strategies Umar uses to preserve 4%+ interest on your CPF funds after the SA closure.

Shariah Compliant Tools

Islamic Finance & Zakat Calculators

Are you looking to screen equities or calculate Zakat according to Singapore Islamic finance rulings? Test your numbers with our dedicated tools:

Stock Purification Faraid Inheritance Gold Compliance & Zakat Zakat on Wealth

Who I Help

Find Your Situation

Pick the one closest to where you are. I'll show you how people in your situation close the gap.

Growth & Dividend Optimization

"My savings are growing, but I have no structured system."

You're earning well. But the surplus is sitting in a savings account, losing ground to inflation. You want it compounding. Without the stress of picking stocks yourself.

Typical Actionable Targets:

  • Find and fix cash leaks. Build a predictable $2,000–$4,000 monthly investing surplus.
  • Build a global dividend-growth portfolio targeting 6-8% compound annual yield.*
  • Create a dedicated education fund that doesn't touch your retirement savings.

"Waiting for the perfect entry costs you more than a bad trade ever will. Boring beats brilliant, every time."

- Umar Yusof

Let's have a conversation.

You tell me where you are. I'll tell you where the gap is, what's causing it, and what the options look like. No pitch. No pressure. If there's a fit, we'll both know. 20 minutes.

Most people who message me just want a second opinion. That's fine. Start there.

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Honest conversation. No obligation.

* 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 $286,000 difference figure is illustrative: $100,000 invested at 7% per year for 20 years compounds to approximately $387,000, versus approximately $101,000 in a savings account at 0.05% per year, a difference of approximately $286,000. 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. The $480,000 retirement gap figure assumes $4,000/month income needed over 10 years without investment growth; actual needs will vary. The 60-month insurance coverage target is illustrative and individual coverage needs will vary. 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.