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Joo Chin Tay

In Touch

A Monthly Curated Newsletter

It's been a while since the subject of Retirement was discussed. In this issue's video, it's quite interesting to see how children have different ideas about Retirement. I'm sure all of us have our ideas as well. Yet life can mercilessly erode these dreams. But not if we are really serious about them. So how serious is your retirement dream?

Retirement Date Risk And Sequence Of Returns

Sequence of returns risk is a commonly cited risk for retirees, but an accumulator also faces sequence of returns risk in the form of retirement date risk!

 
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Key to retirement planning: Don't panic

It can be hard to live within your means after retiring, so make your extra funds work harder.

 
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Children and Retirement

 
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I hope you have enjoyed this issue of my InTouch newsletter. Do feel free to contact me if I can be of service to you and your friends
 
Joo Chin Tay
 
 
 
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Testimonials and Referral Notes

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Syafiqah, Laboratory Technician

Joo Chin understands my needs and expectations. I love it when she patiently explains the policy to me, making sure I understand them. One thing I like about her is, she is not pushy. I always get turned off by agents who are pushy. But she’s not. She accommodates to the policy that I NEED based on my occupation/ personal life. Overall, she’s someone I trust and believe in.

Liann, Pharmaceutical Sales

I’m glad our paths crossed through our ex company. My first impression of Joo was that she’s a petite young polite lady. Little did I know Joo is an insurance agent till we get to know each other more. To cut the story short, I seek Joo’s advice regarding one of my policies which I signed up at a bank from a lady who approached me when I was dealing with some personal bank stuff. When I needed advice from this particular person, she was uncontactable and would reject my phone call. I learnt my lesson not to sign any policy or savings plan through bank as they merely prioritize sales and there is no after-sales service. Joo was my saviour. She advised me the best way to deal with the situation and patiently explained on my next course of action as well as suggested a few ways to solve the issue. Thereafter, I transferred all my policies with Prudential (as these policies are managed by someone whom I do not know) to be managed under Joo. My whole family is now at ease as we have a reliable and responsible agent to handle our policies. I am so relieved now and Joo is highly recommended as she’s not merely ‘selling’ policies. She will insure you with service above and beyond. Even during her confinement! Many thanks to you, Joo for being such a thoughtful and trustworthy agent. I wish you the best of everything in your future endeavours :)

Aimson, Hotel Manager

I started off this insurance policy with my colleague’s wife initially. I’m quite skeptical about Insurance Agents as they gave me impression of “hard selling”, “constant calling” not for updates but to sell new policies to you or leave u “unattended” once u sign on the dotted line. At first, I was quite worried when my colleague told me my account will be handing over to another Insurance Agent, as I’m not sure if I am able to communicate freely with her. Things changed the day I met Joo Chin in real life. First impression that I’ve got for Joo Chin: She’s not afraid to voice out what coverage you need but do not have. Joo Chin is an insightful, broad minded, truthful, dutiful & sociable agent 😀 . To be exact, she’s more like a “caretaker”of your personal benefits rather than a normal Insurance Agent on the street. Years down the road with Joo Chin as my Insurance Agent, she never fails to keep track and provide constant updates of my policies. Yes, like most agents, she will definitely promote or try to update what are the potential addition we should have. But most importantly she does not “hardsell”. She ensures that she shares all benefits of having the policy and she leaves the decision entirely to you. Long story short, Joo Chin is definitely someone you can rely on. Rest assured that she is not like those agents out there just trying to sell their products and leave u in no man’s land once u sign on the dotted line. Instead, she ensures you are well taken care of because she does not want any of her clients to suffer the same experience as her beloved mom.

Evon, Business Development Manager

With Joo as a financial planner, I feel assured that my best interest is taken care of. She keeps me posted of any news that impact my policies and even looks out for better alternative options years after my policy has been bought. I really appreciate her level of service and dedication. Highly recommended because she truly cares!

Winnie, Policewoman

Joo Chin is patient in her explanation and makes the effort to do deeper research to address to our doubts instead of just providing an answer just for the sake of it. I also appreciate her making the extra effort by compiling a list of our insurance – that consists of detailed information of each policy, just for our easy reference.

Zuraida, Cabin Crew (Purser)

It Is So Nice Having You As My Agent. The Quality Of Service Provided By You Is Second To None. My Family And I Really Appreciate You Going Above And Beyond The Call Of Duty. You Soar To The Occasion. Thank You Joo Chin For Taking Care Of Our Insurance Needs And Being A Friend Who I Can Rely On. You Are A GEM! 💎