Etak Chen

Prudential Private Wealth Consultant

Etak Chen

Prudential Private Wealth Consultant

Hello, I’m Etak!

I am a Private Wealth Consultant helping clients build their financial portfolio particularly in three (3) growth areas: mitigating risks, reducing cost redundancy, and increasing return on investment in their existing portfolios.

I'm also a wife to my husband Ryan and mom to the sweetest daughters Enya, Raine, and Ella. I am a training coach and mentor and have a bunch of mentee kids too! My family means the world to me.

My Story

I came from humble beginnings and reached where I am today by working very hard. I took control of my journey and made the most out of the meager start I had therefore having a more profound appreciation for grit, perseverance, and powering through even when the roads are not smooth sailing. This mindset has propelled me to shatter glass ceilings and be the sole awardee of the Top of the Table Award in 2020, a year that was most challenging for all. I put in the work and the persistence to be phenomenal at what I do and create the opportunities not just for myself but for the others I will be able to help along the way.

My Work

I treat every client's needs like my own, pursuing what is the best and most effective way to help them, dreaming the same dreams, and assisting the best I could in reaching their financial aspirations. Most importantly, I take pride in building and cultivating trust and lasting relationships with them.

I am blessed to be able to work with professionals from all walks of life whose wisdom and experiences have enriched my own. My clients come from all markets from individuals beginning their financial journey to experienced HNW ones. I support my client’s goals, whether big or small, and make sure my efforts allow them to have their desired outcomes within reach.

I leverage on my social capital and help foster a community where like-minded individuals keen to know more about the ins and outs of investment linked funds can connect and collaborate better. With my 16 years of service and thousands of clients later, I am able to advise, strategize, and see to it that the goals of my clients are met in areas of wealth protection and accumulation for local and global institutions. I have built a system the way we do our work that has guaranteed efficiency and effectiveness whilst delivering fast and favorable results.

My Advocacy

I have always used my voice and my platforms to further causes I believe in, especially to amplify messages concerning women and women empowerment, financial freedoms, and maintaining a healthy mind and body. I strive towards leaving behind a much better world than the one we have today for my owns daughters and for the next generations to come.

Work
- Prudential Assurance Company Singapore
  
  51 Scotts Road, #02-10 Prudential@Scotts,Singapore 228241
  
  Etak Chen
  Representing Prudential Assurance Company
  Singapore (Pte) Ltd
  Reg. No. 199002477Z
  
  Email: etakchen@pruadviser.com.sg
  
  www.prudential.com.sg/FC-info
  
  Company Approval Code 083/18Feb22
Credentials

Newsletters

Articles Worth Sharing

Newsletter Issue 99: Incredible Moms

Whether we are mothers ourselves or simply have someone in our lives who has played a motherly role to us, chances are, our lives have been influenced in profound ways by motherhood. Let's take a moment in this issue to honour, value, and draw lessons from the incredible wisdom of women and mothers who have impacted our worlds.

In the pursuit of wellness, every small step matters. Discover how nourishing your body, staying active with intention, and making mindful choices can shape a healthier, more balanced life. From everyday nutrition tips to inspiring fitness journeys, find ways to thrive—body, mind, and spirit—one thoughtful action at a time.

Singapore’s Budget 2025 lays the foundation for economic resilience and community support. From financial aid and SG60 perks to business investments and digital growth, this edition unpacks key measures shaping the nation’s future. Discover how these policies impact businesses, families, and individuals in an evolving landscape of opportunities and challenges.

As Lunar New Year celebrations unfold and we gather with friends and family, let us remember that prosperity is not just about wealth and abundance but also about the wisdom shared and traditions passed down through generations. Amid the laughter, meals, and festivities—and the inherent hope and symbolism they carry—be kind and mindful to yourself and others, ensuring that the deeper meaning of heritage, connection, and togetherness endures beyond the moment.

As we enter the new year, it's the perfect time to celebrate endings and acknowledge our achievements. Embracing closure and recognising small wins fosters personal growth, resilience, and emotional well-being, transforming life's transitions into opportunities for reflection and reinvention as we move forward with intention.

As the year winds down, it’s the perfect time to reflect on the many reasons to be grateful in our lives. From uplifting mental health to strengthening connections, gratitude helps us end the year with purpose and warmth. Discover simple practices and insights to embrace appreciation and nurture meaningful moments this season.

Embark on meaningful journeys with insights to plan memorable vacations, navigate budget travel, and uncover cultural treasures. Whether you’re crafting a family adventure or exploring last-minute deals, these ideas inspire travel that deepens connections, stretches savings, and invites discovery.

As families navigate the challenges of exam season, it's important to foster resilience, support growth, and nurture well-being. These insights explore how to create a balanced, supportive environment for children, helping them thrive academically, emotionally, and financially.

Persistence and perseverance are the cornerstones of personal growth. As we enter the final stretch of the year, these traits become even more essential. Discover ways to harness determination, build resilience, and stay committed to your goals. Even when the journey feels long and challenging, remember—you’re closer than you think. Let’s push through this last lap together.

Navigating the rising cost of living requires strategic planning. This issue provides tips on budgeting, skill development to increase income, and utilising resources to manage money. I hope these strategies help empower you to stretch your money further and maintain financial stability.

Prioritizing our health and immunity is essential, especially with summer holidays and travel on the horizon amid the recent surge in COVID-19 cases. Here are some practical tips, nutritious recipes, and expert advice to keep you safe and ensure healthy and enjoyable summer vacations for you and your loved ones!

As we approach the time of year when scorching temperatures send us seeking refuge indoors, this issue offers essential tips and strategies for managing the heat. Arm yourself with knowledge and discover ways to stay cool, hydrated, and healthy amidst the sweltering heat, ensuring you thrive in your daily life!

Life is a multifaceted journey of growth and transformation. From overcoming setbacks to embracing professional and personal development, this issue contains wisdom on self-forgiveness, career and financial success, and the limitless power of lifelong learning. The process of growth may not always be easy, but it will be worth it. I hope this enriches your life.

Amidst rising costs, aging and retirement planning is becoming a growing concern for many. Yet, more than just ensuring financial readiness, one who is planning to retire also needs to be psychologically prepared for the shifts in lifestyle, routine and everything that comes along with it. In this issue, let's explore expert tips on staying healthy, mentally sharp and financially secure, so we can age gracefully in our golden years.

As we embrace 2024, discover essential insights for a prosperous journey ahead. Explore key financial strategies and economic trends aligning with the Dragon Year's promise of prosperity. Immerse in the cultural vibrancy of the Lunar New Year celebrations. I hope this issue with its blend of wisdom and practical advice equips you to navigate the opportunities and challenges ahead with confidence. Together, let's ride the Dragon!

In this issue, here are some insights on mindful reflection, effective goal-setting, and strategic reviews. I hope this helps you equip yourself for a thriving year ahead with impactful resolutions and fresh perspectives. Let's embark on this journey of growth and renewal together.

Embrace the spirit of the holiday season in this month's issue, where cherished traditions meet thoughtful innovation. From smart savings and healthy feasts to meaningful gifts and cozy stays, our collection of articles offers a reflective journey through holiday warmth. Savour every moment with our handpicked tips and recipes, and let's celebrate the joy and generosity that define this wondrous time of year.

As inflationary pressures continue, affecting both individuals and businesses, it is vital to equip ourselves with effective strategies to navigate this environment. This issue provides pragmatic insights and ideas, guiding us to not only weather these economic challenges but also thrive in the midst of them. I hope this brings us greater financial resilience and empowerment.

In celebration of Children's Day, here is a friendly collection of articles brimming with insights! I hope these writings can guide us in embedding valuable skills, boosting financial literacy, and laying down a roadmap to raising resilient, balanced children. May we empower the upcoming generations, helping them blossom into well-rounded and holistic individuals. Let's cherish the joy of nurturing our future

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.

In today's rapidly ageing society, advance care planning and long-term care planning are emerging as critical considerations for ensuring a comfortable and secure future. As we journey together through the intricate aspects of planning for what lies ahead, it's never too early to make such vital decisions. It's your future; plan it well.

In the delicate balance between awe and envy lies an opportunity for growth. Awe opens our eyes to the beauty and possibilities around us, while envy stirs our desires for improvement. By using awe as a wellspring of inspiration and envy as a catalyst for positive change, we get to harness these emotions to fuel our ambitions, cultivate empathy, and create a brighter future for ourselves and others in various aspects of our lives.

As artificial intelligence (AI) and chatbots like ChatGPT become ever more prevalent, AI’s potential to transform our lives and economy cannot be understated. With the increasing adoption of these technologies, they will not only transform the ways we use or consume information, but they are also poised to play a pivotal role in just about every aspect of our lives, including work, finance, and parenting. In this issue, we explore the nuances of AI and the possibilities it brings to our world.

Necessity is the mother of invention. Throughout history, humans have demonstrated the ability to innovate, solve problems, and create solutions in the midst of crises, resulting in some of humanity's greatest inventions. All it took was resourcefulness, action, and persistence. Through this issue, I hope to provide insights into how we can live life constructively and creatively, regardless of the challenges that we may face today.

As we get back into the groove of work, our most important arsenals have to be our health and brains. After all, these are essential in allowing us to lead a functional and meaningful life. To do that, we need to take care not to fall ill and ensure that we upkeep our physical, mental, and social well-being. Let us explore in this issue the various ways that help us protect and strengthen our overall health.

For many, the festive season is a time of food, celebrations, social interaction, and hype. Coupled with the continuous demands of work and life, such periods can sometimes leave us feeling drained, and some of us may even struggle to get a breather. In this issue, I have put together resources on how we can possibly wind down and benefit from more intentional quiet and less noise.

As the world enters a recession, the upcoming year can pose a challenge for many due to increasing economic uncertainty, and the natural fears surrounding it. In this issue, we look at some trends and possible actions that can help us become more emotionally and financially resilient to not just ride out the challenges, but rise above them. I hope this gives us hope.

We live in three distinct timeframes - the Past, the Present, and the Future. Many times, we tend to live and make decisions based on what gives us immediate gratification, and often to our detriment. Despite not knowing what tomorrow will bring, planning ahead removes uncertainty and provides clarity to our lives. In this issue, I have included articles that I hope will inspire you to take actions that your future self will thank you for.

Many of us lead busy and stressful lives. Even when we may be caught up meeting deadlines, sprinting towards our next goals, or looking after our families, we cannot neglect taking appropriate breaks for our well-being. While it may feel counter-intuitive to do so, sometimes the best thing is simply to step away from the four concrete walls to go for a walk outdoors. It refreshes the mind, body and soul, and is beneficial for our health and creativity. So let's lace up our trainers and walk our stresses away.

In an environment of rising inflation and uncertainties in global geo-political climate, almost no one is spared from the economic consequences of the day. It is therefore more important than ever to be intentional and mindful in how we manage our finances in our daily living. Here, I have put together some resources which you can tap on to help you gain a better insight on how you can be more savvy with your money.

Every one is different, and differences in opinions, interests, backgrounds and personalities tend to come with conflicts. Whether is it our co-workers, friends, family members or even our partners, disputes are not only common, but they're natural and sometimes inevitable. The question is, while such conflicts arise, how do we navigate them? Do we attempt to work through issues amicably with others, or do we allow our egos and emotions to rear its ugly head? Today, we look at practical tips on how we can manage ourselves and relationships in more mature ways.

As humans, the pursuit of change and progress is something that is innate to every one of us. Like it or not, there will always be things in life that we hope could be a little different, a little better in the way that daily situations & events turn out. It could be in the way we think, speak, or the way we handle everything from our finances to our relationships with others. We seek to become better -- and we should. As we strive to continuously exceed our potential, we rise above all previous versions of ourselves and grow stronger. In this issue, we look at some ways in which we can embrace a better self and an even better future.

In life, there are days and moments where everything we do does not feel enough, or face situations that are beyond our control. A common response to such instances is to doubt ourselves and our abilities, and that is a very normal and human thing to do. But the effect of self-doubt can cut both ways: It can either spur us to achieve our goals and thereby boost our confidence levels, or cause us to feel entirely powerless and paralysed. Fortunately, whether we allow it to work for or against us is mostly up to us. In this issue, we will explore the ways in which we can harness self-doubt to build confidence -- one step at a time.

Statistically, most people live till an average age of 80 years. Although this number varies across cultures and nations, we cannot deny that life is still all too fleetingly short. 80 years a lifetime translates to 80 summers and 80 winters - to love, laugh, live, and make the most of our time on this earth. Far too often, when faced with our mortality, we look back at our lives and think of all the things that could have been different. Regret may sometimes be inevitable, but it is still possible to live an unlimited life with the limited time that we have. In this issue, we look at some of the ways we can do so.

For the past years, given the pandemic and restrictions, many of us were forced to re-evaluate how to plan and book trips for holidays, or consider whether we should even be planning for any travel at all. Now, as borders are opening up, we have reached a stage where many of us are ready to start traveling again and make vacation plans once more. The catch, though, is that traveling will likely continue to be complicated as new variants emerge. How then do we plan for travel? In this issue, we explore this matter in more depth.

Life can be unpredictable with obstacles, making it sometimes difficult to stay afloat. Whether it is the loss of a loved one, stress from work, or financial woes, everyone faces challenges and does at some point, struggle with remaining optimistic or hopeful. Nonetheless, it is still important to maintain positivity to keep us going; by finding the good in the bad, and being the light in the darkness. For this issue, let us explore on what being positive means & how we can harness it in ways that truly benefit our lives.

As humans, we have an innate need for connection and approval from others. Often, we make an effort to gain validation and this is natural. Yet, in our world today, this need for others’ approval becomes magnified; as many of us are constantly plugged in on social media, we tend to get caught up in the pursuit of “likes”, “shares”, “follows” & engagement. These can have implications on our mental well-being and happiness. Through this issue, I hope that we can be more aware of the impacts & risks associated with excessive use of social media, and what we can do about it so that we can live out our best lives.

It is a season of feasting, socialising and spending time with our family and friends. Amidst the bustle of festive preparations and joviality, let us not forget to take care of our well-being even as we celebrate this time of wealth, health and happiness. Stay safe, savvy and prosper!

By this time, we would have endured quite a long period of the COVID-19 pandemic and many things have changed. Collectively, we have adapted to new ways of living, working and socializing. While there is no telling of when this pandemic will truly “end”, one thing’s for sure: Life goes on. The best we can do is to continue to look towards the future and live out the best we can. As we head into a new year, here are some predictions and trends we can look forward to.

In times of uncertainty, it’s easy to get overwhelmed. With the COVID-19 outbreak, we are faced with the challenge of adapting life around the virus and navigating intense market volatility. This leaves many of us feeling anxious and even disempowered.

Confucius, the Chinese philosopher, left us with these words to contemplate: The man who asks a question is a fool for a minute: the man who does not ask is a fool for life. As the year winds down, it is time to reflect on some popular and widely - accepted beliefs and misconceptions that we may hold that do not serve us in achieving our goals and desires. Today, we look at debunking some of these misconceptions to expand our thinking and explore new perspectives and horizons.

In meeting the demands of work and every day life, many of us can feel compelled to do all things at once, and may become overwhelmed or less effective as a result. To counter this, it is worth taking a moment to adjust our pace; to give ourselves the space to practice taking one step at a time in the ways we perform our tasks and how we manage our minds & emotions.

As human beings, we are a culmination of our environment, decisions, behaviours and habits. It is worth giving thought to how we live our lives; taking a step back to reflect on some of our own less-than-ideal tendencies and ponder about how we can mitigate or improve upon them. Here are some resources that I hope can help us foster habits and patterns that can create an upward cycle for ourselves over time.

In a world where more of us are increasingly working remotely, the issues of exhaustion, burnout and digital fatigue have become more pronounced in recent times. The implications on mental health and quality of life are real. Here are insights and resources that I hope can help us better understand the nature of the burnout that we may experiencing. More importantly, we can learn to manage, uplift ourselves and also the people around us.

Leadership is the act of guiding a team or individual to achieve a goal through direction and motivation -- and there is a leader in all of us. This issue contains insightful resources and pointers that touch on the various under-talked about but important aspects of leadership. I hope this inspires us to not just exercise good leadership in our daily lives as individuals and organisations, but more importantly, help us get through and thrive even in difficult times.

As our personal lives get increasingly intertwined with our work in this season, it becomes more important than ever to find ways to devote our energies to become more effective & productive as individuals. Here, I'd love to share with you on some resources and powerful ideas on how we can not only become more productive, but also make our work & daily life more meaningful in the process.

What does it mean to lead a good life? The meaning of a good life, or life for that matter, is subjective. But there are some evergreen truths and wisdoms that we can all live by that help us gain the most out of life even through obstacles and challenges. In this issue, I have put together for you a series of insights, tips & advice by some of the best thinkers throughout history on how to live out a good life. I hope these resonate with you.

Dignity is the state or quality of being worthy of honour or respect by virtue of being human, and every person has an intrinsic need to feel valued and needed. Yet, in our world, there is often a gap between the ideals and realities of how dignity is accorded to individuals across age, gender, social statuses and financial positions. In this issue, I'd like to bring attention to the topic of dignity, and the ways which we can protect & honour the dignity of others and ourselves.

Women have long played a huge part in our society and economy. When it comes to uplifting women, the work extends beyond just international women's day or month. In fact, it requires continuous effort from not just leaders, but also every day folks like us to recognise and appreciate the great potential of women in our lives. In this issue, I'd like to share insights on how we can be enablers of women's progress while staying aware of the realities and struggles they may face. I hope this helps us in empowering the women and girls in our midst.

When was the last time you received kindness from somebody? When was the last time you extended an act of kindness to someone else, and to what end? As it turns out, there can be tremendous merits and outcomes in paying forward a kindness received with a good deed to somebody else, especially when done out of gratitude. The concept of "Paying It Forward" is nothing new, but in our world, I believe we could do with more compassion and selflessness as it brings out the best in us.

As we begin a fresh year, it is a good idea to not just evaluate ourselves based on the previous year on how we have been managing our lives, but also to find out ways to become more productive as we move along. In this issue, I'd like to share with you some powerful ideas on productivity and how we can make the best of our resources, time, energy and capabilities. Let's do this!

In the words of Poet Ali in his TED Talk, "Every language we learn is a portal by which we can access another language"; the more we know, the more we can speak. To round off the year, I'd like us to take a moment to learn new concepts, stories and ways of seeking and connecting, which will empower us to adapt to the needs of others & ourselves in the way we relate, love, heal, and see possibilities. I hope this inspires you.

In a year where many of us are affected and perhaps feel powerless over our incomes amidst a pandemic, it is a good time to take stock of our financial health and confront our feelings about them & the way with deal with them. Whether we are young, middle-aged or senior, here are some important principles & practical tips on money management that we can fall back on which can go a long way into helping us optimise our finances and become financially wiser.

All of us would have people around us that we learn from in our lives. And people whom we in turn teach and need to be accountable to at some point - as students, working adults or parents. The better we are at relating and leading others into growth, the better we become as individuals. In this issue, I hope we can draw some lessons and wisdom from these materials that can help us cultivate values and cultures that we want in our lives and lift us up.

As humans, we often like to think we're right, even when we can be wrong at times. Many of us have the unconscious tendency to seek information that support our existing beliefs & disregard or undermine those that do not match ours. But doing so without awareness or questioning can have adverse effects in the way we think, make decisions & live our lives. Today, I'd like to share with you some potential consequences of confirmation bias & what we can do about them.

The world as we know it has changed for good on pretty much every level - from our lifestyles, to habits, to incomes and economy. As we navigate our way and find our place in trying times, it is important to stay grounded and keep the faith as we focus on seeing and creating opportunities, solutions & meaning. While there are no quick fixes in times like these, there's still a space for us to find ways to improve and cope better in our lives. I'd like to share them with you in this issue. Let's keep our heads up in choosing to persist in hope & good thoughts, and I believe we will emerge stronger than before.

As they dedicate their love and lives to their households and make constant sacrifices for their family’s & children’s well-being, mothers never retire. For all these, moms deserve more thoughts besides during Mother’s Day. But should mothers also think about planning their own retirement — financially speaking? In this issue, as we give tributes to all mothers, we would also like to give thoughts to a mother’s financial freedom. Mothers deserve a worry-free retirement as well.

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

Today's phone in our pocket has 100,000 times the power of the computer that landed man on the moon 50 years ago. Our world is evolving at breakneck speed today. The World Economic Forum projected that more new jobs will be created compared to the ones lost. Uncertainty remains about what these new jobs would be. But the time to change our approach to learning new skills has come. The time is now. The 4th Industrial Revolution has begun.

There are many new things to deal with at this time while we are being isolated from life-as-usual. A new lifestyle, a new future and something that can be quite subtle - a new kind of burnout. It should do us well to be aware about this so we can learn to disengage when we need to. I wish you and your loved ones good health and may you continue to stay safe!

Amidst a pandemic, the profound impact & discomfort of loss or the prospect of loss is felt almost universally. We may find ourselves and even those we care about feeling anxious & restless, which makes it challenging as we find ways to adjust not just physically, but also mentally & emotionally. At this time, emotional support for one another becomes ever more essential. Here, I'd love to share with you insights that can help us have a deeper understanding on the complex emotions that we may be dealing with, & the ways in which we can provide meaningful social support in our daily interactions through being present & holding space for others.

What the eyes cannot see is bringing countries to their knees as we write. The full impact of Covid19 is still unknown. It has ushered in a new reality for the World. Our lives will never be the same again. And Covid19 won't be the last. While we #fightasone, let's see how we can prepare ourselves and our children for this new future - together. Here are some good reads that I believe can help us rethink this new future and its possibilities. If you find these resources useful, please forward them to those you care about, especially at a time such as this. Cheers!

Here's wishing you and yours a very fruitful 2020, and the best is yet to come! Another year, and what better way to start it with a collection of thoughts that might turn out to touch your life for the better? I hope you could find something useful and share along with those you care about too. Cheers for a blessed 2020!

When the going gets rough, it can at times be easy to lose sight of what we set out to attain in our lives, be it in our personal endeavours, work or finances. The process of going & pushing through such situations may not be most comfortable, but persevering and talking about how to handle them is necessary. These are perspectives I found useful and inspiring. I hope this gives you hope.

In many ways, relationships are key to our well-being, as trusting, fulfilling relationships lay the foundation for our emotional health and security. But to work through relationships and trust matters aren't always linear or clean - they can be messy and raw. Here are some articles that I found incredibly valuable that enrich us in our personal and professional lives.

Change is hard. To force change is harder. They usually don't last. Perspectives however, are easier to accept. They change our minds and maybe that's what we need more than change itself. I hope you enjoy these articles.

These are some rather transformative articles that could help you and those you care about. So please be free to share them. I hope you find them beneficial. If you like them, do drop me a note and I'll be very glad to know I've added value and touched someone.

The lack of sleep being linked to chronic illnesses like diabetes and heart disease isn't a happy story. Certainly not for those of us who are more conscious about building happiness in life. Please share this newsletter issue with those you care about. We can impact lives together!

The Bucket List - chances are that you may not have made one. It is an interesting journey that we can take together. It's also a lot easier taking a peep at some of the most inspiring bucket lists that we have put together to share with you. Let's start one and live it out!

Since our taste buds are not working like black and white TVs. We know it's meant for some tasty good food. Yummy! Let's stay healthy, and also up our knowledge about making some nice interesting food. Here are some really good resources curated for you.

There's a man in Singapore, that every time he concludes a business deal, he would go buy a plant and plant it somewhere. It's a simple way of giving back. He was also able to disengage and be with himself while doing something meaningful, albeit how simple it was. In this issue are some more examples of such life's lesson that we can benefit from. All we need, is to just take some time, slow down and breathe in the fresh air.

There are just too many things that we know to be good for us, but have not yet become a part of us. Applying wise financial habits may be one of them. Here are some to learn about by seeing them from the eyes of a very successful woman - Oprah Winfrey. Change requires conscious efforts. I hope some of these thoughts will begin to be a blessing in your life. Cheers.

In case you missed the news, besides the big 3 - US, Russia & China, tiny Singapore would be the next to send a human into Space using a helium Stratospheric balloon capable of lifting an SUV. This is a 5 years arduous journey filled with many inspiring stories. A Visionary who saw the possibilities, followed by 150 applicants to be Singapore's first Astronaut, and finally an extraordinary individual to make the trip, laying his life on the line. Yet his project isn't about Space. It's about creating a better mental model for Singaporeans - that with the heart, mind and grit, we can do great things. Enjoy this historic moment.

Or rather, this issue is about learning the secrets of being interesting. Even calling it a secret is a little too much. In today's world of overwhelming information overload, it's about paying attention to certain things that some people do to make themselves more interesting than others. We can all do better in life with a little dose of this knowledge. So let's dig in!

In this issue, I'd like to do something different. All of the highlights are very interesting videos from TED talks about the way we think. The videos are between 15 to 30 minutes, but they are well worth your time I promise. Hope these resources will help create marginal changes in your life every so often. Let's be enlightened together!

Research seems to point to the fact that those who engages in deeper conversations with others are happier people. This is what I call a happy finding. It levels with what makes us human. We speak, we listen, we feel, we learn, we take and we give. And deeper conversations allow us to lift each other up.

In the last issue, we discussed how robots will change our lives in the future. It has become increasingly important for us to keep our minds on the ball, stay sharp and stay progressive. If half the jobs in 2020 are yet to be known to us, how can we prepare ourselves and our children today? To face a fast changing future, we need to first understand it. We need to try and take a peek into this future and start to embrace change.

We have come to a very unique juncture in time, where we are transitioning into the 4th industrial revolution. This is a time where technology as we know it will start to escalate in its rate of change. Our lives and jobs will surely be impacted. But how? It is time to consider this and take stock of where we might stand now and three to five years later.

From a parent to a child, between friends and professionally in the workplace - there's something special about the role of story telling. And we've a lot to learn from the world's great story tellers. Some of the best are comedians, public speakers and politicians. But there's more. I hope the following articles will help you get started in this interesting journey of learning and exploration.

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?

The future seems to come at us at a faster pace than before. It brings along with it many questions. Will automation take over our jobs? What new jobs will be created? And which existing ones will be obsolete? How can we survive? Yet some things don't change. Understanding the things that will change and those that won't can help us carve out a better future.

Most of us find it hard to change even when we know we need to. If only it's as easy as a walk in the park. But once in a while, a certain change of perspective is all it takes. Hopefully, today can be one of those time for you. We can gain some insights and wisdom from these articles that are worth sharing.

Do we need to get better at time management? Or do we need to instead think about Time itself? More specifically, what it means to us - with the very limited time that we have. The answer would be different for each of us. But I'm rather certain that taking time to ponder about Time itself can be a fruitful thing to do.

The World Health Organization's latest report says diabetes has quadrupled in the past 34 years. It's certainly something that we should care about. Not just for us, but also our loved ones. Here's a starter to help us understand and prevent this disease better.

Health is important, so is a good life and great food! One of the great thing about being in Singapore is that there's always new food places to explore. In this issue, I'd like to bring you to a couple really good yummy places - wrapped up with a hilarious video you don't wanna miss.

Singapore is growing as a cultural center. But why is Art important? And how can Art, in its many forms make our lives better? Deep within all of us, there's a need for expression and appreciation. There's certainly more for us to explore and learn about Art. Do not miss the video below. Oh how beautiful this is ~ a celebration of art and life!

It is always quite refreshing to discover new things about our health. In this case, Vitamin C is one of those surprises. Do watch the video below till the end ~ it could be a life saver. But please seek your doctor's opinion as well.

The more we read, the more we can share. And sharing is caring. Here are a few interesting articles I'd like to share with you in this issue of my newsletter. Remember to pass it along to those whom you care about too.

It isn't the bucket either. One good news is that more people are now surviving cancer. The other good news is that life expectancy has increased from 75 to more than age 80. But hold that thought for a moment - it's only good news if one is financially prepared to survive such a critical challenge.

We may have thought that creativity is a realm belonging to a selected few. But is it? In this issue, we explore together some interesting stories that may strike a chord of inspiration for you. You can be creative too.

Testimonials & Referral Notes

A person with a good heart and character.

Hi Everyone,

I Love working with her! She is 𝐜𝐨𝐦𝐩𝐞𝐭𝐞𝐧𝐭 𝐚𝐧𝐝 𝐩𝐞𝐫𝐬𝐨𝐧𝐚𝐛𝐥𝐞. She's able to explain things in a 𝐬𝐢𝐦𝐩𝐥𝐞 𝐚𝐧𝐝 𝐜𝐨𝐧𝐜𝐢𝐬𝐞 manner for me to understand 𝐢𝐧𝐬𝐮𝐫𝐚𝐧𝐜𝐞 𝐚𝐧𝐝 𝐢𝐧𝐯𝐞𝐬𝐭𝐦𝐞𝐧𝐭.

As I grew in my career, I did my first retirement investment policies with her and she has been updating me on my fund performance.

As I was new to such investment schemes, she guided me 𝐬𝐭𝐞𝐩 𝐛𝐲 𝐬𝐭𝐞𝐩 on how to get the most of my hard earned money. I am grateful she looked out for her clients’ interest when there are policy changes.

I know 𝐈 𝐜𝐚𝐧 𝐜𝐨𝐮𝐧𝐭 𝐨𝐧 𝐡𝐞𝐫. And this 𝐠𝐢𝐯𝐞𝐬 𝐦𝐞 𝐭𝐡𝐞 𝐜𝐨𝐧𝐟𝐢𝐝𝐞𝐧𝐜𝐞 that my retirement and my 𝐬𝐨𝐧'𝐬 𝐟𝐮𝐭𝐮𝐫𝐞 𝐢𝐬 𝐢𝐧 𝐠𝐨𝐨𝐝 𝐡𝐚𝐧𝐝𝐬. She's a friend and a great financial advisor! Her 𝐩𝐫𝐨𝐟𝐞𝐬𝐬𝐢𝐨𝐧𝐚𝐥𝐢𝐬𝐦 𝐚𝐧𝐝 𝐤𝐧𝐨𝐰𝐥𝐞𝐝𝐠𝐞 has been immensely helpful to me to start my financial and wealth planning journey! Thank you Etak!

Regards,
Catherine Chenilla

Etak has been a good FA who assisted me on my claim.

Hi Everyone,

Etak has been a good FA who assisted me on my claim due to my recent piles procedure at Gleneagles. The claim went smooth as per what she had advised that didn’t add on to the stress that I was in during the operation. Insurance is important! It’s a life saver for any unpredictable health issue. If you need a good FA, I will strongly recommend Etak!

Regards,
Christopher Andre Porter

Someone that you can rely on

It is totally not hard to pen down this testimonial for Etak as I have so much good things to say about my FC.

I first got to know Etak through my husband and that was in year 2015. Dreaded, thinking that is probably another sales talk again, I reluctantly agreed to meet this lady. However, it turns out she is totally unlike the typical stigma that you have for a FC. She is frank, upfront and very honest to answer my needs.

Moving forward to this day, she is not just my FC, she has also became a personal friend of mine whom I see as a role model too. What I really love about her is that she never fails to empower women to do their best through her encouragement and most importantly she does it genuinely.

Etak will be someone that you can rely on and personally I have introduced a couple of friends to her as I know that they will be very well taken care by her for their financial or personal growth.

Meldys Tan, Real Estate Agent

Etak has always been there for me throughout my thick and thin.

It has been a good 13 years. It felt like it was just yesterday, the memory is still fresh till today. When I first met her, I was 19 years old and I recalled meeting her at one of her roadshows at Dhoby Ghaut MRT Station. I was waiting for a friend and she came forward to approach me. My first impression of her was that she was a ray of sunshine. I recalled her approach was slightly different from the other salespeople that I've encountered. Well. You know what I mean, those situations where you felt a little skeptical and you will try your ways to steer away. I remembered her approach was more of a small talk, something refreshing for me back then. She wasn't pushy nor did I feel a tiny bit of a glimpse of a motive that, "I want to close a deal with this girl". Well, you get the picture..

Etak has always been there for me throughout my thick and thin. She is always quick to jump in whenever I need assistance. She has been more of a great friend than just a “business transaction” situation throughout the 13 years of service. Having Etak as my financial consultant has never been so fulfilling. A possible way to describe it – A “Genuine Connection” that you sincerely want to hold onto. She is indeed a great friend that you never could have imagined and the one that you want to keep close to.

I could have felt less assured if I have not met her. I never had anyone close to me to ensure my financial goals or health coverage are being met. I have been through a lot of highs and lows in my life and I never had the time to slow down to think through my long-term goals and I know Etak has that covered.

Recently I made a decision to leave my Full-Time job because I never felt so burnt out and demoralized in my career. A few months before I resigned, I reached out to her as I felt I couldn't breathe any longer with the chaos that I was going through at work. Without any hesitation, despite me knowing that her schedule are always packed, she set aside everything and gave me a call immediately. First thing on the phone, she was ensuring that I was doing alright emotionally. I remember telling her on the phone that all I want to know is if I could take a good break before coming back strong with my career and that if we could schedule for a meet-up to discuss further. We slotted the time out and we had a good long conversation. She was empathic throughout; we worked on my portfolio and she gave me advices on what are the plans we could work on. I felt reassured once again, all thanks to her. I am really grateful for her to be there for me in a time like this.

- Joann Quek

Outstanding work spoke beyond task or job, it builds relationship and trust.

Hi Everyone,

Dear Etak,

Thank you very much for the catch-up session via Zoom last Friday. Appreciate the extra mile that you consistently been delivering, from bespoke investment updates to new recommendations on how to grow further my investment. During this time of uncertainty, where I also lost the most important person in my life, my Mom, I felt your empathy and support. It’s very comforting to know that I made the right decision to trust to Prudential my retirement investment. Surely, you have proven I’m in a good hands. Keep it up! Your outstanding work spoke beyond task or job, it builds relationship and trust.

I have mentioned this to you. I dealt with a number of other financial consultant even before you, and no one has delivered the same passion as you did. Looking forward for such continuous excellent delivery.

Kind Regards,
Susan Calisaan Chan
Business Analyst

The future just looks more and more promising, thanks to her!

Hi Everyone,

Etak has been my financial advisor since 2015. Her expertise and sound advice has always made me comfortable sharing with her my financial goals at different points of my life.

From the hospitalisation coverage and other protection when I just started to work in Singapore, then the great investment portfolio she had recommended to me and my wife, and to the most recent which is more for my retirement, the future just looks more and more promising thanks to her!

Also, the catch-ups from time to time she initiates with her clients is what makes her different from the other financial advisors I have known. She ensures we get to maximize our investment and adjust our portfolio accordingly when there are changes in the market for better returns.

Best Regards,
Milton
Senior Analyst - Analytics & Insights

About Ms. Etak Chen Pei Shi

Hi Everyone,

Ms. Etak is my financial advisor since October 2012. That time I was also looking for a good health insurance coverage and my former colleague’s wife referred me to her. She told me that Ms. Etak can help me choose the best health insurance that is suitable for me.

Ms. Etak’s as my financial consultant. I could say that she is excellent and takes good care of her client extremely well. She’s very helpful with her financial knowledge and takes time to review, plan and suggest on things that will help boost my current policy. She would provide relevant and sustainable solutions to fit on my needs.

What truly sets her apart is her kindness and sincerity. Every session with her is a joyful experience and I have gained lots of trust with her. She listens attentively and I don’t feel pressure working with her as she isn’t pushy.

There are many consultants out there but I am delighted that our path cross and I have her as my financial advisor. Overall, a great consultant that I would recommend to my peers.

Thanks and Regards,,
Carlo Lagarde Barrion
Draftsman

A Call Away!

Hi Everyone,

We’ll start this testimony by saying Thank you Miss Etak! Yes, we couldn’t thank you enough because you are constantly “a call away” for all our needs of financial advices & not to mention your patience in answering our never-ending queries. Above all, for consistently updating us to the latest investments we can have. These are all greatly appreciated from the bottom of our hearts.

Ms Etak has always been a great financial advisor and a friend ever since we met her almost a decade ago. She always has time to lend her tremendous & immediate help including those simple matters we inquire. Despite having her assistant, she ensures that all her clients get the best service with her hands-on & personal touch. Most of all, she has the expertise & patience in organising and strategizing our personal financial matters, even when we consistently ask for review & revision from time to time. Her patience and sensible counsel are very much appreciated as we navigate through variant investments and insurance options. Beyond providing smart judgment, what’s admirable of her, is that she has the biggest heart in improving the financial literacy including the foreigners, underprivileged and the wider audience out there, this made her standout among the rest. Yes, she has the passion and puts her heart in what she does, thus excels in every aspect of it. We are elated to say that we’re in a much better and assured place of financial health today, thanks to Ms. Etak’s dedication, competence and excellence and a plethora of other good things. And by the way, she has always been our inspiration to be a healthy, fit & beautiful person inside-out despite her busy schedule of juggling work & kids. Thank you again Ms E.

Regards,
By Flor & Ryan Family
Engineers

She’s more than a financial consultant but a good friend.

Hi Everyone,

When we were seeking insurance here in Singapore, a friend of ours recommended Etak to us. My friend told me to try and contact her, so we did set an appointment with her last 2019. We’ve been through many insurance agents and we thought that it’s just the same but Etak is different. Her aura, her personality, sincerity, concern, and kindness made us decide to go for Prudential. She’s very passionate about her work, she’s been guiding us since day 1 and keeping in touch with us regularly. Even in times of pandemic, she tried to reach out to us. I think most of her clients felt the same way, that she’s more than a financial consultant but a good friend.

I, personally learned a lot about life insurance and investments through her. Whenever we have questions or clarification, she’s always available to answer everything. I remember there’s this time that we’ve been through a lot of struggles in terms of health, financial and loss of loved ones and it has really a big impact to us but then Etak rescued us and guide us step by step on what we should do to continue our life insurance and be secured. She’s very patient with us, very helpful, and sincere. I think that’s her character and traits that make her stand out, her pure and genuine intention is to help and educate not only as a financial consultant but a friend. Grateful to meet her and thankful for her support and kindness.

Regards,
Rachelle Tasis

Personable, Professional & Well Versed

Long time back I wasn’t really keen on all these insurance stuff and mostly I found agents very aggressive in upselling. But finally I thought I really need something that suited my requirements. I found that few of my friends had the same agent and that’s how I came to know Etak. That was around 2014. She was very personable, professional and well versed on her products. She actually listened to what my requirements were and presented me with suitable options that where tailored and affordable to me. She was never hard selling trying to push all sorts of products to me but catered more to my needs. This really made me comfortable keeping my relationship with her. What made her stand out to me is that she consistently makes it a point to catch up with her clients just to touch base with them. She has also been with the company for a long time and makes me confident that she will be there for the long haul.

She has been with me for half a decade now and she is very familiar with my financial journey Thru my ups and downs, offering either just a listening ear or suggestions to help me do better. I find her inspiring as well as person. I wish her all the best and I hope for continued fruitful relationship with her.

Jaycille C
Asbach
IT Executive

Lateral Thinking & Common Sense Approach

I am delighted with Etak’s service. It is refreshing to work with a financial adviser who is truly interested in their client’s needs, circumstances, and preferences. What impressed me was the way she took the time to get a feeling for where I was at, her depth of knowledge, lateral thinking, and her common-sense approach. She’s professional, ethical and caring demeanor elicits my trust and respect and I gladly recommend her services whenever possible.

Rommel

Listens to my needs in financial planning and issues.

I met this prudential advisor at a roadshow when it is the year 2008 or 2009; can't really remember. She is a pleasant, cheerful, friendly heartwarming lady. At first, I didn't want to listen or have a chat with her, but I think she is sincere that touch me, she explains about the needs of a policy and savings plan, and I decided to trust her as my financial consultant on that day onward. She always listen to my needs and help me a lot in my financial planning and insurance issue. She always will contact me and ask me how is my day and plan for a meetup up till this days even after 10 years from a FC she is now more like a friend to me. I use to have other FC, but none is like her. Some will just sell you a policy then after that just don't bother anymore or when, you call up then they will explain or just push to other colleagues. My FC (Etak Chen Pei Shi) is totally different. She help me to follow up on all my policy, and I can just trust that she will help me to solve all my worries. She is always a good listener and good consultant.

Guo Yanping

A testimonial for Ms Etak Chen as my Prudential Financial Consultant.

I first met Ms Etak Chen at a Prudential roadshow in NIE about seven years plus ago. She approached and told me confidently how she is able to manage my finances well in terms of long term savings and investment.

I find that indeed she embodies Prudential’s tagline: “Always listening, Always understanding”. She fact finds all information of my financial status carefully and is able to make suggestions to me from that professionally. She doesn’t allows the circumstances (be it around her or me) to affect her decision making for what is best for me as a client. As i do have some investments in Prudential, she has regular meetings with me to update on my portfolio. I sincerely appreciate her diligence in her work attitude and the care in making decisions, even if my investment portfolio is only average-sized.

Before Etak, I had another Prudential advisor. Both advisors are professional and are willing to help. Etak however is able to capture my wants and needs in terms of financial planning and investment, and not just wanting insurance policies. Her ability to catch on client’s needs and wants, and then follow up with spot on suggestions are what makes her different from others. Over the years of working with her, we became friends and it is easy to trust her in the decisions she make. As a friend, she even demonstrated concerns when I am to marry my girlfriend >D.

A solid investment plan, a 12% increment cash investment portfolio, and a plan on how to give confidence to a girl and her family in terms of marriage. :p

Lin Zikai

100% Trust & Faith

Hi Everyone,

Time flies, I have known Etak for more than 6 years already. I met Etak through her cousin, where my portfolio was handover to her as her cousin has to pursue to another line of business.

As a customer, there’s always fear and risk to handover portfolio to a new FC where he /she could have just anyhow plan for you. But after knowing Etak’s position and her achievements, I have 100% trust and faith that she can handle my portfolio well.

Etak has always shows her professionalism by listening and understand what I need at different stages of life, and she will recommend the best plans to maximise my insurance coverage, investment and as well as retirement plan. Furthermore, she is someone that does not hard-sell plans unlike others.

Besides being a great FC, she is a good mum, wife and great leadership which is someone that I inspired to be 😊

Sincerely,
Hing Siew Wen, IT associate

Rating of 10/10

Hi Everyone,

Hi Etak,

You have been a helpful financial consultant. You have also helped me in my financial plans that I have wanted to achieve. Even though you may have many clients in your portfolio, you have always treated me patiently and respect whenever I needed guidance. I can say your service level is hardly found in many financial consultants. If there is a rating to your service it would be 10 /10. You have projected yourself with good knowledge and easy to understand concepts to me which is good for everyone. I have learned a lot from you in terms of financial planning and perseverance to follow through the plans you have set for me.

Regards,
Gary Leong SMTP

Feedback for Etak Chen

Hi Everyone,

Hello, I would like to leave some feedback for Etak Chen. :) I have only been her client for a few days so I’m unsure how constructive would my feedback be. I found out about her through word-of-mouth.
She is highly competent and shows high familiarity with Prudential’s products, as well as much professionalism in being able to match my needs with the products. Her immense clarity in explaining concepts and the energy she carries. I am now better equipped with ways in which to managed my finances - of the present and future.

Regards,
Lia

A heart to serve, securing your family financial future.

Hi Everyone,

I have had the pleasure and privilege of being a client of Etak since 2005.

As a Financial Consultant, she displays a high degree of integrity and professionalism. She takes the time to understand the needs of the customer and tailor makes her solutions that best meet those needs. I have always felt that her recommendations for me were made with my best interests at heart, giving me the assurance that me and my family's protection needs were well taken care of. In that sense, she exemplifies the true spirit of customer service and having a heart to serve.

The amount of accolades that she has received throughout her career is testimony of this fact and I would highly recommend Etak to anyone who is seeking to secure their financial future for themselves and their family.

Regards,
John Augustine Ong

Meet someone interesting

Hi Everyone,

I was able to know about Etak and her services through my friends who are her clients too. She is in service to me by about 5 years now. And i am very happy to be served by her. She is very good in giving financial advices. Aside from being my FA, she has become one of my friends. She usually will give me advices beyond what I am expecting of her.
There are times I am being emotional about other things that are not related to her jobscope and just having a talk with her and getting advices from her gives me comfort. I am really greatful to have her as my FA.

Regards,
Maida Shiela Cruz IT Executive

Retirement Goals & Future Plan

Hi Everyone,

Etak Chen has been helping me with my financial investments over several years. She is patient and listens to my requirements and goals regarding my investments - helping me make sound investments for my retirement goals and future plans. She is diligent in her follow up and we meet a few times a year to discuss and update on goals and aspirations. Definitely someone I trust with my financial plans.

Regards,
Belinda Koh
Regional Logistics Risk Manager at Anchor Risk Services

Imparting you wisdom, necessary solutions catered to your needs.

im a new member to Etak's long list of happy clients! It has been 2 months so far and i'm very pleased with the process. Etak is sincere, ever-helpful, passionate and very knowledgeable about financial planning. She would never press you to purchase a product you dont need, and you can feel that she is really looking out for you when going through the financial planning process.

Etak is timely, professional and patient in explaining all the little details of each plan i had queries about. Each word on the insurance documents felt like Egyptian hieroglyphs to me , Etak was able to address each line and make it easy to understand in simple english.

Etak exudes an aura of peace and zen. Previously i had encountered a few other advisors (who i wont mention) that really makes you feel pressured to buy from them. Maybe its their training but i dont like dealing with someone who hard-sells. With Etak you get the feeling that shes truely imparting you wisdom, and the product that you buy are just necessary solutions to your needs.

I had gained valuable knowledge on how to plan my finances while protecting my downsides. I now have a peace of mind knowing that should any illness struck ill be protected, while my loved ones would be taken care of.

Alan Eucharis Choo

Highly Recommended!

Etak is well-versed in personal wealth accumulation and protection and company employee benefit solution. Over the years she has significantly increased my investment portfolio, while making sure that my income protection needs are well taken care of. I highly recommend Etak and fully trust her as a wealth consultant to manage and grow my financial portfolio.

Derek Tan

My trusted financial adviser

Hi Everyone,

The first time I saw Etak, I felt intimidated because she looks so pretty and sophisticated. Generally speaking most of the sales agents are often times only after the commissions. But when she offered me other policies and I refused to take she was not pushy that's why in my mind I said maybe she is different. So she impressed me. She has always been responsive to my calls and queries. That's what I like about her.
Aside for her pleasing personality, she is always ready to help, to give advice and to find ways for me to really benefit from our policies. I really appreciate when she adviced me and even process almost everything for me to get my claims. She also helped me to maximize the profit in my investments by advising me on when is the right time to buy and sell my stocks.

Sincerely,
Race

What it is like to being served by a TOT Consultant?

Etak has been someone who have been consistent with what she does. She builds the relationship from where it should and the team is so quick to react even with my recent claims. It is done and settled within a week. I am so privileged to have Etak as my consultant because she's is all about putting people first and building strong relationships to go through every single thing in life, it is more than a financial advise with Etak and her team. Thank you Etak.

Willabelle

Meet someone interesting

Hi Everyone,

My financial consultant, Etak Chen covers my insurance policies extensively. She has been a great help from the time my status is of a single mother to my current married. I am deeply grateful that she maximise my financial situation through the policies she recommends from time to time. She listens and gave constructive opinions that matters. I hope she stay successful in her career and continue to give the best to her policy holders. Thumbs up, Etak!

Nurlela

Etak Chen

Prudential Private Wealth Consultant

Etak Chen

Prudential Private Wealth Consultant

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