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Laura Hoi

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A Monthly Curated Newsletter

Albert Einstein said, "Compound interest is the eighth wonder of the world. He who understands it earns it. He who doesn't, pays it."

In every financial crisis, there are generally two groups of people. Those who ride above the wave, and those who suffer the pain. The first group seems to be more prepared, as if they knew long ago that something was going to happen.

What's their Secret?

This group of people understand a simple philosophy, "You don't plan to fail but you fail to plan." They started early and took advantage of the Eighth Wonder of the World. They are more ready for impact than others.

There's more

During times of great impact is also a time of great opportunities for investment. Yet only those who are prepared are able to take advantage of undervalued assets.

Here's a very good illustration to visualise the power of the Eighth Wonder of the World.

Eighth Wonder of the World

We've got the Story. What are my options?

"Understanding both the power of compound interest and the difficulty of getting it is the heart and soul of understanding a lot of things."
- Charlie Munger

Feel free to get in touch to learn more. I hope that you and your loved ones will continue to stay safe. Cheers!

 
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I seek to reach out to people who believe in creating a safe financial environment for 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.
 
Laura Hoi
 
 
 
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Testimonials and Referral Notes

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Carol Koh. Associate Lecturer & Swimming Coach. Republic Polytechnic

Laura is a childhood friend whom I had not caught up with in ages. When we first met up many years later, the feeling was so comfortable, even when I asked her for financial advice as a friend. As such, I decided that she would make a good financial advisor. She was very attentive and understood my needs. She is very knowledgeable in financial planning and gives sound advice. With Laura as my financial advisor, I know that I am in good hands! Thanks to Laura, I feel more assured of my retirement plans and I’m definitely more covered medically!

Jennifer Chua

I’ve been with Laura for more than a decade, and my experience with her has always been reassuring and positive. She is consistent, patient, and someone I know I can rely on whenever I need clarity or support. What makes her different from other financial consultants is her sincerity and the way she explains things in a simple, transparent manner. She never rushes through discussions and always puts my needs first. I chose Laura because I trust her. She has been steady throughout different stages of my life, and her advice has always been thoughtful and timely. One memorable moment that stands out for me is how she supported me during a major life transition when I fell sick. Thanks to her encouragement to enhance my critical illness coverage earlier on, the policy came in at the right time—just a year later—when I needed it most. She checked in, guided me patiently through the process, and made everything so much easier during a very difficult period.

Sharon Lim, Senior Director. MINDEF

Laura has been advising me for almost two decades, and I trust and value her deep expertise and wise counsel. What really makes Laura stand out is her genuine care for her clients. She focuses on the client’s unique circumstances and needs, and customises her recommendations with her clients’ best interests in mind. It’s been a privilege to have Laura advise me, and I would recommend her to anyone who needs good financial advice.

Aik Teng, Sports Development Manager. Sport Singapore

What sets Laura apart from other financial consultants is her genuine care and personal approach. She doesn’t begin with products — she starts by truly understanding my needs, goals, and spending habits. Her advice is always thoughtful and tailored, never transactional. What makes Laura exceptional goes far beyond financial planning. She has walked with me through some of the most challenging moments in my life —one financial crisis, and 2 medical emergencies within the last 15+ years. Her quiet presence and strength gave me emotional grounding and practical support, especially when I was overwhelmed with uncertainty. I’m incredibly grateful for Laura’s consistent care, deep expertise, and unwavering support. Even when overseas, she goes the extra mile — like the time she called a dentist friend from Chicago to help with a dental emergency I was panicking over! If you’re looking for a financial consultant who truly cares, listens deeply, and stands by you beyond the numbers — I wholeheartedly recommend reaching out to Laura. You’ll be in very good hands.

Lilian Chang. NTUC Enterprise.

I have known Laura as a software vendor in 2004 when I was working in an IT firm. Laura has a truthful personality, and we became good friends very quickly. We continued to keep in touch even when both of us left our jobs. She became my financial consultant when she joined Prudential and helped me look into both my hubby and my portfolio to plan for my retirement. Kids were young then, and good financial planning was very important. With Laura's help, my family's investments and health protection plans were in good hands. Laura is helpful and goes the extra mile to explain and assess plans I have and helped me set milestones. Over the years, Laura has become a family friend. My children are now grown ups and Laura has started guiding them with their financial planning patiently. To me, she is not just a FC, she is already a friend whom I trust with my financial planning. Laura is a person whom you can go to and trust, as she has your interests in mind.

Eugene & Cheryl Teng.

Aunty Laura (we call her aunty because she has been helping us since we were kids) has been providing financial advice for our entire family for close to 20 years! She has been very supportive of us and with changes to the economy, have helped us adapt our financial situation accordingly as well. Thanks Aunty Laura for all your help, providing us with a headstart as compared to the other kids my age. Of course I have to thank my mum for investing in us, but due to Aunty Laura's help, my sister and I have been able to be covered comprehensively since we were young, which many kids in Singapore do not have the luxury to do so. Onwards another 20 years!😄 - Eugene Teng ShopeeExpress —————— Auntie Laura has been my mum's insurance agent since I was young and have seen me grew up from a child to an adult. I witness how she has help my mum handled her finances and also health insurances, to ensure that we are all well covered. Now that I have grown up, I have also entrust my financial and health insurance portfolio with Auntie Laura. She would provide relevant advises and coverage that I should get and would explain in detail each plan purposes. Her patient and bubbly character makes it easy to approach whenever I have queries for my plans and making the exchange a stress-free and comfortable setting. 🙂 - Cheryl Teng, Trading Operator, Total Energies