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在新加坡如何选择你可以信赖的理财顾问？

新加坡成为国内富人最喜爱的投资，移民目的地之一。我们熟知的很多名人富豪，其实都默默的加入了新加坡国籍或者拿了新加坡的永居，比如： 巩俐，李连杰，张勇，江南春，李西廷等等。 国内很多客户可能暂时没办法拿到新加坡护照，但是也想要享受新加坡这个金融大超市的红利，可以说资金来到了新加坡，就相当于布局了全球，而且新加坡还没有资本增值税，真的是太香了！不仅是投资，新加坡的寿险，尤其是定寿可以说是性价比天花板了！就连香港的同行都纷纷跑来新加坡给自己配置定寿。

那么问题来了，我们在新加坡配置的保单，投资理财，一定要有一个可以依赖，信任的理财顾问服务。要不然如果自己的保单成为了“孤儿保单”就麻烦了！离得那么远，而且很多文件都是英文的，我们自己处理起来真的是非常棘手。

所以今天就想要客观的与您聊一下如何在新加坡选择理财顾问。其实如果您能够看到这篇文章，说明您还是非常有想法而且谨慎的。在服务过很多高客之后，我总结了一下他们的选择标准，所以也想要分享给您，看完这篇文章，我相信会对您非常有帮助。

首先： 这个顾问最好是持有新加坡护照的即新加坡公民。为啥？因为众所周知，在新加坡的身份很大程度上决定了在新加坡的去留。 我身边之前很多拿SP， EP 的同事们都离开了新加坡。因为理财行业外国人想要留下来并且拿到身份是非常难的。业绩要求是很高的。从业五年，看到真正EP转成PR的不超过5个人。 其他的人大部分都会被淘汰掉。

第二：看这个顾问的家庭是否稳定。尤其是女客户，她们找理财顾问聊的时候都会聊到家庭，当然顺便也会加个微信，看看这个人的朋友圈。家庭稳定的肯定是首选。因为谁都不想自己最后被挖墙脚。

第三： 看这个顾问是单独保险公司的代理人还是独立理财顾问。独立理财顾问是您的首选！我们不抬杠，看看法律是怎么规定的：单独保险公司的代理人的责任就是帮助保险公司卖保险产品，但是独立理财顾问的的责任是帮助投保人选择适合自己的保险。一个是代表卖家利益，一个是代表买家利益。其次，也是一个很现实的问题：保险行业流动性很大。我们先除去业绩不好的那部分被淘汰的人。业绩做的好，那么很可能会被其他保险公司挖走。如果是单独保险公司的代理人，今年她在A公司，明年跳去了B公司，那么她是没办法继续服务你这个保单的，就算她说：我会好好服务你，你也别当真。离职之后，进不了保险公司的内网，收不到保险公司的邮件，请问她如何好好的服务你呢？ 很大可能，会让你退掉之前的保险，然后买新公司的保险….对于客户来说，是非常大的不公平和不利。

第四：看这个理财顾问的从业时间。保险这个行业前两年是最难的，淘汰率超过了80% 。 所以如果你的保险代理人已经有超过三年的从业经历，那么大概率她会在这里行业稳定下来，并且也积累了一定的经验。这样服务体验会不一样。 年龄太大可能也会有风险，我之前有个朋友申请加拿大移民，中介就是一个快要70岁的叔叔，然后他特别爱抽烟。加拿大申请移民的周期很长，有时候大半年都没有一个信息，她都有点担心这个中介是否还在… 内心的不确定性会给我们带来不舒服的感觉，概率上来讲，三四十岁的保险经济服务周期还是很长的。

最后一点就是客户自己的感受了，很多高客他们本身自己就阅人无数，白手起家，所以跟这个经济聊一次天，也大概能够知道这个人够不够格服务自己。一个人的学历，修养和经验不是靠几张纸来证明的。你的穿着打扮，神态仪表，一举一动甚至每一个眼神都在滔滔不绝的介绍着你是谁。

好了，今天就跟大家分享到这里，希望对您有帮助。如果在新加坡您想要找到一个值得信赖的理财顾问，欢迎联系我，给我们一个认识彼此和相互选择的机会。谢谢您宝贵的时间。 我的微信： NU24102. 我的WA： +6596879885

Important: The information and opinions in this article are for general information purposes only. They should not be relied on as professional financial advice. Readers should seek unbiased financial advice that is customised to their specific financial objectives, situations & needs. This advertisement or publication has not been reviewed by the Monetary Authority of Singapore.

Published By:

Li Wenjun Olivia 李文君

您好，我是 Olivia 李文君。2008 年以全额奖学金来到新加坡，并在本地最大公立医院 ICU 工作了 7 年。长期在高压与高度负责的环境中，练就了我的决策力，同时我深刻理解了风险、稳定与财务安全的重要性。也正因如此，我选择进入理财行业，希望能把“在问题发生后抢救”，变成“提前帮家庭避开问题”。医学背景带给我的，是对新加坡医疗体系的深度理解，对不同客户适合的医疗机构，专家以及治疗的专业严谨判断力，也是一种对每一个家庭都必须认真负责的态度。

进入理财行业后，我专注于 风险管理、保障架构、跨境家庭资产配置，并把医学时期的逻辑思维延伸到财富规划中。作为 金融顾问（FA），我不受任何单一公司限制，可从 150+ 金融机构 的方案中做深度比较，为客户搭建透明、可执行、长期可坚持的规划结构。我服务的客户多为在新加坡发展的专业人士、新移民家庭，以及需要更高精准度规划的企业主与高净值人士。他们的共同点是：不喜欢被推销，而需要一个站在他们立场、判断清晰、长期可靠的顾问。

我也在视频号、小红书、Instagram、YouTube（账号：奥莉私房话）长期分享新加坡的保障体系、财富规划逻辑与实用案例，希望让更多家庭在重要决策上少走弯路、拥有更高的确定性。如果您正在寻找一位专业稳健、真诚可靠、可以长期合作的顾问，我很愿意从一次轻松的交流开始，帮助您和家人建立一个更安心、更有方向的未来。

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根据《个人数据保护法》，鑫盟理财私人有限公司征求您的同意向您收集并使用您的个人信息。鑫盟理财将根据公司的个人数据保护政策所阐述的用途使用您的个人资料（例如姓名，证件号码，联系电话，邮寄地址，电邮地址和照片）。 该政策可在本公司网站上查寻，网址为 https://fa.com.sg/data-protection-policy/.

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  • Financial Alliance Pte Ltd ( “FAPL”) is licensed by the Monetary Authority of Singapore (“MAS”) and allowed to conduct financial advisory activities in accordance with the Financial Advisers Act (Cap. 110) (“FAA”) and the Securities & Futures Act (Cap. 289) (“SFA”) within the jurisdiction of the Republic of Singapore and in accordance with the licenses granted by MAS
  • 鑫盟理财私人有限公司( “鑫盟理财”)持有由新加坡金融管理局(“MAS”)所颁发的牌照，并许可在新加坡共和国境内依据财务顾问法（第110章）和证券与期货交易法（第289章）进行财务咨询等相关业务
  • Any services provided by FAPL to persons not ordinarily resident in Singapore are provided solely on an offshore basis from Singapore, resulting from direct enquiry on the part of the foreign residents.
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  • As an integral part of the provision of such services, FAPL may from time to time make available to such residents, documents and information making reference to capital markets products (for example, in connection with the provision of fund management or investment advisory services outside of the foreign jurisdiction).
  • 作为提供此类服务的一部分，鑫盟理财会不时向此类咨询者提供有关产品的参考文件和信息（例如，关于海外司法管辖区以外的资金管理或投资咨询服务等信息）。
  • Such documents and information are provided by Financial Alliance Pte Ltd (“FAPL”) is for general information only and is not intended for anyone other than the recipient.
  • 此类由鑫盟理财所提供的文件和信息仅供收件人做一般信息参考。
  • It does not take into account the specific investment objectives, financial situation or particular needs of any particular person.
  • 此类文件和信息不会把-个人投资目标，财务状况或其特定需求等考虑在内。
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  • 鑫盟理财向该人士提供此类文件和信息将不构成要约或招揽购买或出售或认购任何此类资本市场产品，或达成交易或参与任何特定的投资策略，也不构成有关此类金融产品的建议或推荐。
  • These documents may not be published, circulated, reproduced or distributed in whole or in part to any other person without FAPL’s prior written consent.
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  • 鑫盟理财无意在分发，出版或使用此类文件可能违反当地法律，或本公司及关联公司或关联人士需要注册，获得许可或符合规定的司法权区向当地人士分发、出版此类文件或供其使用。
  • You shall ensure that you have and will continue to be fully compliant with all applicable laws in your home country when entering into discussion or contracts with FAPL.
  • 在与鑫盟理财进行讨论或签订合约时，您应确保您已完全遵守并将继续遵守您所在原居住国的所有适用法律及条规。

In compliance with the Personal Data Protection Act, Financial Alliance Pte Ltd (“FAPL”) seek your consent to collect and use your personal data (e.g. name, NRIC, contact numbers, mailing addresses, email addresses and photograph) for the purposes of and in accordance with FAPL’s Data Protection Policy, which can be found on FAPL’s website at https://fa.com.sg/data-protection-policy/.

根据《个人数据保护法》，鑫盟理财私人有限公司征求您的同意向您收集并使用您的个人信息。鑫盟理财将根据公司的个人数据保护政策所阐述的用途使用您的个人资料（例如姓名，证件号码，联系电话，邮寄地址，电邮地址和照片）。 该政策可在本公司网站上查寻，网址为 https://fa.com.sg/data-protection-policy/.

By submitting this form, you are deemed to have read and understood FAPL’s Personal Data Policy.

提交此表格，即表示您已阅读并理解鑫盟理财私人有限公司的个人数据政策