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Muhammad Syamim

In Touch

A Monthly Curated Newsletter

Making decisions on property is not trivial, as they often have effects on our quality of life in ways that are not just material but also financial and emotional. Regardless of our experience levels in making decisions on our properties and homes, it helps to have an appreciation of what resources are involved, and how we can be resourceful about them. I hope you find the materials in this issue useful.

New HDB policy: Standard, Plus and Prime – how does it affect you?

Housing and Development Board (HDB) will change how it classifies Build-to-Order (BTO) projects, starting in the second half of 2024. The policy changes intend to ensure that HDB policies continue to remain relevant in Singapore's current social and economic construct.

 
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Understand the costs of buying a home

This article provides a comprehensive guide to the costs of buying a home in Singapore, including down payment, stamp duty, legal fees, and renovation costs.

 
read more
 

DECORATE YOUR HOME FOR FREE | 10 DECOR IDEAS ON A BUDGET

 
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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.
 
Muhammad Syamim
 
 
 
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DISCLAIMER

These newsletters are meant for daily general reading and are not representative of my own individual opinions

© Muhammad Syamim, All rights reserved.

Testimonials and Referral Notes

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Nazirul (Immigration Officer)

Syamim has been my financial advisor since the start of my career. As you can read from other reviews, he is not pushy and will explain the right plan to suits your needs. He also provides other alternatives so that we can choose what’s best. During the meet up, he uses graphics and excel sheets to further enhance the way he delivers your financial goals. These really help to summarise what I am committing in the long term. Overall, I am really satisfied with the work plan that he curated for me. Syamim also gives timely updates and will answer your queries at any time of the day. Definitely recommend others who are looking for financial planning. Especially to those who have just graduated or just starting a career just like myself. 100% recommended.

Weijian (Pharmacist)

I met Syamim after being recommended by my wife I found the sessions with Syamim to be beneficial as being similar to our age, Syamim can relate and better advise us pertaining to the problems and goals that we have at this stage of our life. This experience is different compared to other financial planning sessions I had as Syamim spends a lot more effort and time to understand our situation and make pictograms and charts to explain his recommendation and advise to us! I would definitely recommend meeting Syamim, especially for young couples or couples-to-be, planning for marriage, family, BTO!

Nasran (Early Childhood Teacher)

Meeting Syamim helped me establish a proper system that I could use to ensure accountability of my finances. He made me realise that it is crucial and necessary for me to plan ahead be it short-term or long-term in terms of personal finances. I definitely would recommend this meeting to other people because he ensures that the methods he suggests are applicable to my financial situation as well as provide further insight to better improve my financial literacy. People would definitely benefit from meeting him as he provides a very open and understanding environment when it comes to personal financial aspects like spending and income, and even takes a step further in providing a viable solution that is effective and personalised.

Haidil (Civil servant)

I met Syamim as he was the financial advisor to many of my friends and colleagues. The financial planning and projection of my goals through his excel sheet allowed me to balance and plan my goals not only for the short term but also for the longer term. In addition, I got to know the importance of having adequate insurance cover in order to live my life without worries. Syamim was different to other advisors that I have met as he went through the extra mile to personalize his solutions to my needs and situation and makes the effort to conduct yearly reviews to ensure I am on track with my goals. I would definitely recommend others to meet Syamim

Nabil (Undergraduate)

Syamim's services was recommended to me by my brother. The portfolio that he manages really amazed me, together with his track record for my family. He’s able to give me an insight of short term and long term plans which I have little to zero knowledge of. It is something that allows me to be more aware of my financial situation and to plan ahead, which I'm grateful for. Syamim is also able to answer my questions with full knowledge and details which I appreciate. When it comes to explaining the policies again as a refresher, he would gladly do so and most importantly he does not pressure me into taking up any policies. I would 100% recommend Syamim to anyone who would like to plan for their life milestones!

Basir (Business Analyst)

I met Syamim through football more than 5 years ago when I was in National Service. Back then, Syamim shared with me the importance of financial planning after I graduated from university. Fast forward to now, as a fresh graduate with very minimal knowledge, I went in for a meet up with him to learn more on the topics of financial planning. Syamim is very knowledgeable in sharing the many aspects of financial planning. When advising on the different policies, he is straight to the point as well as making in simple to understand. What I like the most is how he helps me to plan my finances and budget in an excel file to help me reach my short and long term goal so that I have a good idea on how much I need to save and invest to reach that goal. I would definitely recommend meeting Syamim to have a greater understanding on financial planning and how it can help you.