Alvin Tan · Wealth Advisory

Wealth Advisory · Promiseland Financial Advisory · Singapore · Career Since 2011

Alvin Tan

Financial Adviser · Promiseland Financial Advisory Pte. Ltd. · HSBC · DBS · UOB

Why I Moved to Promiseland

"After 15 years across HSBC, DBS and UOB, I joined Promiseland Financial Advisory to do one thing: put clients first — without compromise. No product quotas. No commission bias. 0% upfront charges. Every dollar you invest works from day one."

🌐 International Clients

📊 HSBC · DBS · UOB

🏢 Promiseland FA

🏦 Onshore & Offshore

💼 HNW Advisory

0% Upfront

AUM Managed

~USD 30M

~25 clients · Target: USD 100M / 50 clients

Ann. Return

~10% p.a.

Blended · live iFAST data

Proven Track Record — Recognised Across 3 Major Singapore Banks

Over 15 years, I have been consistently recognised for delivering results — not just activity. These awards reflect sustained performance in investment advisory across different client segments and institutions.

HSBC · 6 Awards

Director, International Wealth Hub

Orion 2025 · Top IWH RM Premier Elite 2024 (Ranked #1) · Shining Star 1H & 2H 2024 · WPB Banca Elite Club Q3 2024 · Rising Star Q3 2023

DBS · 15 Awards

Relationship Manager, Treasures

Multiple 1st place rankings in unit trust, treasury & total revenue · TRON Top Achievers Gold (×4) · Emerging Star 2017

UOB · 1 Award

Senior Client Adviser, Privilege Reserve

Fund Royale Top Rookie 4Q 2019 - recognised as the top new fund performer in the quarter

22 industry recognitions across HSBC, DBS and UOB — consistently ranked among top performers in investment advisory throughout my banking career.

📊 Client Portfolio Performance (iFast) 🛡️ Why iFAST Platform

Years in Banking & Wealth

HSBC · DBS · UOB · Singapore

Active Client Portfolios

~25

Singapore · International clients

Blended Annualised Return

~10% p.a.

Across clients · live iFAST data

Total AUM Managed

~USD 30M

Across ~25 active client portfolios

15-Year Career Track Record — Banking to Independent Advisory

Apr 2026 – Present

Financial Adviser

Promiseland Financial Advisory Pte. Ltd. Current Role

Joined Promiseland Financial Advisory to build an advisory practice grounded in full transparency and client alignment. Managing ~USD 30M AUM across ~25 active clients — Singapore-based and international HNW individuals — across iFAST, UOB Kay Hian, Tiger Brokers, Philip Securities and multiple insurers. ~10% blended annualised return. 0% upfront charges. Every client gets the attention they deserve — not a product shelf.

~USD 30M AUM0% UpfrontMAS Licensed~10% Ann. Return

Oct 2024 – Apr 2026 · 1 yr 7 mos

Director, International Wealth Hub

HSBC · Singapore

Led cross-border HNW client relationships at HSBC's International Wealth Hub. Advised on structured products, multi-currency portfolios and offshore wealth planning across multiple jurisdictions. Deepened expertise that now directly benefits clients at Promiseland.

International Wealth HubCross-Border AdvisoryHNW ClientsStructured Products

Apr 2022 – Oct 2024 · 2 yrs 7 mos

Associate Director, Jade

HSBC · Singapore

Ultra-HNW advisory at HSBC Jade — bespoke wealth solutions across investments, insurance and credit. Multi-currency structuring across complex cross-border needs.

HSBC Jade · Ultra-HNWMulti-CurrencyBespoke Wealth

Apr 2019 – Apr 2022 · 3 yrs 1 mo

Senior Client Adviser (Vice President)

United Overseas Bank (UOB) · Privilege Reserve

Privilege Reserve advisory — investments, insurance, structured products. Awarded Top Rookie in Fund Distribution.

Top Rookie Award · FundsPrivilege ReserveVP LevelInvestment Advisory

💡

Why I moved to Promiseland: After 15 years, I saw firsthand how upfront charges, commission-driven incentives and limited product shelves were silently eroding client wealth. Joining Promiseland Financial Advisory Pte. Ltd. was a decision to put clients first — full transparency, no upfront costs, and access to the world's best low-cost instruments across multiple platforms. My advice is now truly unconflicted.

My 3 Core Principles

🎯

Consultative, Not Transactional

I don't lead with products. I start with your goals, timeline and risk tolerance - then build a portfolio tailored to you, not to a sales target. Every recommendation comes with a clear rationale. You see the full picture before any trade is made. Advice over product, always.

💰

Drive Down Cost, Maximise Return

Banks charge 2–5% upfront and 1–2% p.a. in annual management fees. I use low-cost ETFs at 0.03–0.20% p.a. with 0% upfront charge. On SGD 500k, that's up to SGD 25,000 saved before you earn a cent. Cost efficiency is returns you keep.

🌐

Global Reach, Personal Touch

My client base is international - Singapore residents, expatriates, and overseas nationals. I understand cross-border complexity: multi-currency portfolios, CPFIS, SRS, and offshore wealth structures. 15 years of both onshore and international advisory experience informs every conversation.

Working with Alvin vs Your Bank

✦ Working with Alvin · Promiseland × iFAST

	0% Upfront Charge	Every dollar deployed from day one, compounding immediately
	Global ETF Access	Vanguard, iShares, Schwab at 0.03–0.20% p.a. - banks rarely offer these
	15 Years Experience	HSBC · DBS · UOB - consultative advice, never product-driven
	Real-Time Dashboard	Live P&L visibility — every position, gain and dividend, updated daily
	International Expertise	Multi-currency, CPFIS, SRS and cross-border wealth structures
	Aligned Incentives	Managed fee model - my income is tied to your results, not fund commissions

🏦 Traditional Bank Relationship Manager

	1–5% Upfront Fee	Ranging from 1-5% with inconsistent fee schedules depending on T&C - often buried in the fine print
	In-House Products Only	Low-cost global ETFs rarely offered - low bank margin means no incentive
	Sales Targets First	Product recommendations can be driven by commission quotas, not your goals
	1–2% p.a. Hidden Fees	Embedded in fund expense ratios - silently eroding returns year after year
	High RM Turnover	Your context, preferences and portfolio history lost every time they move on
	No Client Outcome KPI	Your portfolio performance is never measured in any bank's RM appraisal or KPI - the RM's success is independent of yours

Platforms I Work Across

Platforms I work across

📊 iFAST Financial Managed Portfolios · Unit Trusts · ETFs · Bonds

📈 UOB Kay Hian Structured Products 🐯 Tiger Brokers Structured Products

📋 Philip Securities (FAME) Managed Portfolios

🛡️ HSBC Life 🛡️ Manulife 🛡️ NTUC Income 🛡️ Singlife & more

My approach: I matchmake your needs to the best and most cost-efficient platform you are comfortable with — not just one shelf. Client portfolio performance data shown is extracted from iFAST for easy reference, as it offers the most transparent reporting.

🛡️

MAS Licensed

Same Regulator as Your Bank

Client assets legally ring-fenced in MAS-mandated trust accounts. Standard Chartered as custodian.

📈

S$31.98B

iFAST Group AUA · FY2025

SGX Mainboard listed (AIY). S$100M profit FY2025. 25 years operating. Zero client asset incidents.

👔

15 Years

Banking & Wealth Experience

HSBC International Wealth Hub, HSBC Jade, DBS, UOB Privilege Reserve — covering both onshore & international HNW clients.

🌍

Global

International Client Base

Serving Singapore residents, expats and overseas nationals. Multi-currency · CPFIS · SRS · offshore.

15 years of banking. Now working entirely for you.

~USD 30M managed. ~10% blended annualised return. ~25 active clients. 0% upfront charges. Whether you are starting your wealth journey or looking for a second opinion on your existing portfolio — I offer a complimentary 30-minute consultation with no obligation.

✓ 0% upfront charges — every dollar invested from day one

✓ Multi-platform access — iFAST, UOB Kay Hian, Philip, Tiger & insurers

✓ Consultative, not commission-driven — advice that puts you first

✓ HNW offshore experience — HSBC · DBS · UOB across ASEAN

Alvin Tan

Financial Adviser · MAS Licensed

💬 WhatsApp 📞 +65 9028 3684 💼 LinkedIn Profile

MAS Representative

TWY300033550

Verify on MAS RNF ↗

Prepared by Alvin Tan (MAS Rep No. TWY300033550), representative of Promiseland Financial Advisory Pte. Ltd. (Financial Adviser's Licence, MAS). This document is for informational purposes only and does not constitute financial advice under the Financial Advisers Act (Cap. 110). Any recommendation will only be made following a proper financial needs analysis. All client performance data sourced from live iFAST platform as at May 2026. Annualised returns use CAGR methodology — short holding periods should be interpreted with context. Past performance is not indicative of future results. iFAST Corporation Ltd (SGX: AIY) AUA data from FY2025 results. Verify credentials: MAS RNF eServices ↗

Alvin Tan Promiseland Financial Advisory · May 2026

Live iFAST Data · As at 23 May 2026 · Confidential

Client Portfolio Performance (iFast)

Real results. Real clients. Top 3 portfolios highlighted — all names anonymised for privacy.

All data sourced directly from the iFAST platform. Client identities are not disclosed — portfolios are shown by anonymous reference only. Past performance does not guarantee future results. Annualised returns are calculated using CAGR methodology; short holding periods should be interpreted with appropriate context.

⚠️

Important Context The portfolio data shown here does not represent the full extent of assets I manage — my total AUM (~USD 30M) is spread across multiple platforms including iFAST, UOB Kay Hian, Tiger Brokers, Philip Securities and various insurance providers. The iFAST portfolios are featured here as they offer the most transparent and standardised reporting for easy reference, with bulk of investable assets managed under this platform.

Total AUM (SGD)

18.6M

11 active portfolios

Total P&L (SGD)

+564,958

Since each inception

Blended Ann. Return

~9.9% p.a.

Weighted · CAGR basis

0% Upfront Charge

On all 11 portfolios

Top 3 Performers by Annualised Return (excluding inflated short-holds)

🥇

Top Performer · Annualised Return

Client C · Inception 15 Jan 2026

SGD 1,293,025

Current Portfolio Valuation

Net Outflows Returned SGD 0

Unrealised P&L Since Inception + SGD 70,105

Simple Return +5.72%

Holding Period ~4.2 months

Annualised Return

17.21% p.a.

CAGR · Jan 2026 inception · #1 by annualised return

Concentrated growth allocation. Strong early performance driven by US equity ETF exposure and dividend reinvestment.

🥈

2nd Performer · Annualised Return

Client E · Inception 19 Feb 2026

SGD 962,941

Current Portfolio Valuation

Net Outflows Returned SGD 0

Unrealised P&L Since Inception + SGD 27,669

Simple Return +2.93%

Holding Period ~3.1 months

Annualised Return

12.01% p.a.

CAGR · Feb 2026 inception · #2 by annualised return

Solid returns over a shorter holding period. Balanced between dividend ETFs and growth equity exposure.

🥉

3rd Performer · Annualised Return

Client ③ · Inception 23 Jan 2026

SGD 2,624,132

Current Portfolio Valuation

Net Outflows Returned SGD 209,080

Dividends & Coupons + SGD 18,187

Unrealised P&L Since Inception + SGD 102,870

Simple Return +3.74%

Holding Period ~3.9 months

Annualised Return

11.83% p.a.

CAGR · Jan 2026 inception · #3 by annualised return

Diversified across AB SICAV, Dimensional US equity, Fidelity dividend, DIVO, DVYA, JEPG, SCHD, GLD, SMH, VYMI, VXUS and HSBC bond.

Full Portfolio Overview — All 11 Clients · 🥇🥈🥉 Top Performers · ⚠ Laggard Highlighted

Client	Inception	Current Value (SGD)	P&L (SGD)	Simple Return	Holding Period	Annualised Return
①	01 Dec 2025	4,904,389	+184,343	+3.17%	~5.7 mo	6.82% p.a.
②	17 Dec 2025	4,684,628	+140,009	+3.06%	~5.2 mo	7.26% p.a.
C 🥇	15 Jan 2026	1,293,025	+70,105	+5.72%	~4.2 mo	17.21% p.a.
③ 🥉	23 Jan 2026	2,624,132	+102,870	+3.74%	~3.9 mo	11.83% p.a.
E 🥈	19 Feb 2026	962,941	+27,669	+2.93%	~3.1 mo	12.01% p.a.
F ⚠	19 Feb 2026	735,435	+2,464	+0.33%	~3.1 mo	1.32% p.a.
G	11 Mar 2026	1,376,567	+20,313	+1.50%	~2.4 mo	7.72% p.a.
H	08 Apr 2026	515,826	+6,303	+1.24%	~1.5 mo	10.49% p.a.
I	22 Apr 2026	889,834	+5,198	+0.59%	~1.0 mo	7.15% p.a.
J	07 May 2026	462,700	+5,346	+1.17%	~0.5 mo	~30% p.a.*
K	22 May 2026	188,335	+339	+0.18%	<1 week	New
TOTAL / BLENDED		18,637,812	+564,958	+2.91%	Blended	~9.9% p.a.

* Very short holding periods (under 1 month) produce statistically inflated annualised figures — interpret Client J and K returns in context of brief holding period only.

Methodology & Notes

How These Returns Are Calculated

Data source: All figures are extracted directly from the live iFAST Financial platform as at 23 May 2026. P&L is calculated by iFAST using the formula: Current Portfolio Valuation + Outflows + Dividends/Coupon Payouts + Accrued Bond Interest − Inflows = Net P&L Since Inception.

Annualised Return (CAGR): Where holding period is ≥1 month, returns are compounded and annualised using the formula (1 + simple return)^(12/months) − 1. For very short periods (Client J, K), the annualised figure is mathematically derived but should not be extrapolated — it reflects the arithmetic of compounding a short-term result.

Currency: All current portfolio valuations and P&L are shown in SGD equivalent as reported by iFAST. Client 1 and 2 hold multi-currency positions; their SGD P&L reflects mark-to-market exchange rates at the data extraction date.

Blended Return: The ~9.9% p.a. blended annualised return is a capital-weighted average across all 11 clients, proportional to inflows. It represents the overall portfolio management result, not a fund NAV.

Important: This document is prepared by Alvin Tan, Promiseland Financial Advisory Pte. Ltd., MAS-licensed financial adviser operating on the iFAST Financial platform. All client identities are fully anonymised. Portfolio data reflects unrealised positions subject to daily market movement. Past performance is not indicative of future results. This document does not constitute an offer, solicitation or financial advice. Investments involve risk including loss of principal. iFAST Corporation Ltd (SGX: AIY) serves as the platform custodian. Standard Chartered Bank holds client assets in MAS-mandated segregated trust accounts.

Client Portfolio Performance Overview · Alvin Tan · Promiseland Financial Advisory Pte. Ltd. · iFAST Platform · Data as at 23 May 2026. All client names withheld. For illustration and due diligence purposes only.

Alvin Tan Promiseland Financial Advisory · May 2026

Investor Pitch · May 2026

Why iFAST.
Not the Bank.

A MAS-licensed, SGX-listed wealth platform with S$31.98B in client assets — fully segregated by law, backed by a full-service UK bank, and present in 5 regulated markets. Same regulatory protection as your bank. None of the hidden costs.

Group AUA — FY2025 Record

S$31.98B

+27.9% YoY · Net inflows S$4.72B

FY2025 Net Profit

S$100.01M

+50.1% YoY · First S$100M milestone

Founded · Listed · Regulated

2000 · SGX:AIY · MAS

25 years · Zero client asset incidents

🛡️

Is iFAST Safe? Yes — the Same Regulator That Governs Your Bank Governs iFAST. Client assets are legally ring-fenced in MAS-mandated segregated trust accounts. Your money cannot be used to settle iFAST's own debts — ever.

✓ MAS CMS Licensed

✓ Client Assets Legally Segregated

✓ SGX Mainboard Listed (AIY)

✓ CPFIS Registered IA

✓ Standard Chartered as Global Custodian

✓ UK Licensed Bank (iFAST Global Bank)

Group AUA (FY2025)

S$31.98B

Record high · +27.9% YoY

iFAST FY2025 Results · 12 Feb 2026

FY2025 Revenue

S$514.7M

First S$500M year · +34.4% YoY

iFAST FY2025 Results · 12 Feb 2026

FY2025 Net Profit

S$100.01M

First S$100M year · +50.1% YoY

iFAST FY2025 Results · 12 Feb 2026

Net Inflows FY2025

S$4.72B

Record · +43.3% YoY

iFAST FY2025 Results · 12 Feb 2026

AUA Target · 2030

S$100B

CAGR 25.6%+ over 5 years

iFAST Group Strategy 2026

MAS Regulatory Requirements & Client Protection

What MAS Requires of iFAST
as a CMS Licensee

Under Singapore's Securities and Futures Act (SFA), iFAST holds a Capital Markets Services (CMS) Licence — the same regulatory framework that governs all broker-dealers, custodians and fund platforms in Singapore. The requirements are stringent, and iFAST vastly exceeds every minimum threshold.

Base Capital Requirement

MAS Min: Up to S$5M (dealer tier)

iFAST: S$100M+ Net Profit p.a.

Exceeds minimum by orders of magnitude

Financial Resources Ratio

Must exceed 120% of Total Risk

Monitored Quarterly by MAS

Quarterly returns filed within 14 days

Client Asset Segregation

Mandatory under SFA

✓ Ring-Fenced Trust Accounts

Legally separate from iFAST's own assets

MAS Reporting

Quarterly + Annual Audit

+ SGX Quarterly Disclosure

Dual-layer of public accountability

Risk & Compliance

Robust AML/CFT systems

Independent Internal Audit

Full compliance framework mandated by MAS

Leadership Standard

CEO: Min 10 yrs experience

SGX Listed Board & Governance

Full public corporate governance scrutiny

Why This Protects You

🔐

Your Assets Are Not iFAST's Assets

MAS law mandates that all client securities and cash are held in segregated trust accounts, entirely separate from iFAST's balance sheet. Standard Chartered Bank is appointed Global Custodian. Even if iFAST were wound down, your investments are protected.

📋

SGX Listed = Maximum Transparency

As an SGX Mainboard listed company (AIY), iFAST publishes quarterly earnings, annual reports, and all material developments. This level of disclosure exceeds what most private financial firms in Singapore are required to provide.

🏦

They Own a Real Bank — UK Licensed

iFAST Global Bank is a fully licensed UK bank regulated by the FCA — not a fintech startup. It turned profitable in FY2025, demonstrating real banking-grade operational rigour behind the group.

🏆

25 Years, Zero Client Asset Incidents

Founded in 2000, iFAST has navigated the Dot-Com crash, GFC 2008, and COVID-19 — growing through each crisis to S$31.98B AUA. No client has ever suffered an asset loss due to platform failure.

Global Regulated Presence — 5 Markets, Independent Licences

🇸🇬

Singapore

iFAST Financial Pte. Ltd.
FSMOne · Headquarters

MAS Licensed

CMS Licence · CPFIS IA
SGX Listed · Main AUA hub

🇬🇧

United Kingdom

iFAST Global Bank Ltd
Full Banking Licence

FCA Regulated

Full-service digital bank
Profitable FY2025 · Global hub

🇭🇰

Hong Kong

iFAST Financial (HK) Ltd
eMPF Pension Platform

SFC Licensed

eMPF pension administrator
AUA +18.3% YoY · Key engine

🇲🇾

Malaysia

iFAST Capital Sdn. Bhd.
FSMOne Malaysia

SC Licensed

Securities Commission licensed
AUA +19.6% YoY

🇨🇳

China

iFAST China
Wealth Management

CSRC Regulated

Fastest growing market
AUA +74.9% YoY

Head-to-Head — iFAST Platform vs Traditional Bank

What Matters to You	🏦 Your Bank	✦ iFAST Platform
Upfront Sales Charge on Unit Trusts	✗ 3–5% before you earn a cent	✓ 0% — 100% deployed Day 1
ETF Access (Vanguard, iShares, Schwab)	✗ Rarely offered — low bank margin	✓ Full global universe (NYSE, NASDAQ, SGX)
Annual Fund Expense Ratio	~ 1.0–2.0% p.a. embedded in fund	✓ 0.03–0.20% p.a. for ETFs
Regulatory Oversight	✓ MAS regulated	✓ MAS CMS Licence — same regulator
Client Asset Protection	✓ SDIC insured up to S$100k	✓ MAS trust segregation — fully ring-fenced
Multi-Currency (USD, SGD, AUD, JPY, NZD)	~ Limited, with FX spread charges	✓ Full multi-currency, multiple exchanges
CPF / SRS Investing	✓ Yes — via agent bank (higher fees)	✓ CPFIS Registered IA — lower fees
Real-Time P&L Dashboard & Mobile App	✗ Quarterly statements, often delayed	✓ Live dashboard + in-app trade approval
Corporate Bond Access	~ High minimums (S$250k+)	✓ Accessible (e.g. HSBC 5.13% bond)
Advisor Incentive Model	✗ Commission-based — conflicts of interest	✓ Transactional only — interests aligned
Company Transparency	~ Annual reports only	✓ SGX listed — quarterly public disclosure

AUA Growth — Consistent Scale Across Every Market Cycle

FY2022

S$17.4B

Group AUA

Growing steadily

→

FY2023

S$19.8B

Group AUA

+13.8% YoY

→

FY2024

S$25.01B

Group AUA

+26.2% YoY · Record

→

FY2025
S$31.98B
Group AUA
+27.9% YoY · New Record

→

Target 2030

S$100B

Group AUA Goal

25.6% CAGR

🏆

25-Year Track Record

Founded 2000. Survived Dot-Com crash, GFC 2008, COVID-19. Zero client asset incidents across all market cycles.

👥

1,000,000+ Client Accounts

Crossed the 1M account milestone in June 2025. 680+ financial institutions. 12,800+ wealth advisers on platform.

📈

Record Profitability Every Year

FY2025: First S$100M net profit. FY2024: S$66.6M. Revenue growing 34–50% annually. Dividend raised 42.4% YoY.

Stop Paying to Invest.
Start Investing to Grow.

S$31.98B AUA. S$100M net profit. MAS-licensed. SGX-listed. 5 regulated markets. 25 years. Client assets ring-fenced by law — the same protection standard as your bank, but with 0% upfront charges, full ETF access, and a platform built for your wealth, not the bank's margins. The numbers speak for themselves. Let's talk.

Prepared by Alvin Tan for informational purposes only. iFAST data sourced from iFAST Corporation Ltd FY2025 Results Presentation (12 Feb 2026) and public SGX announcements. MAS CMS licence requirements sourced from MAS.gov.sg and the Securities and Futures Act (SFA). Past performance is not indicative of future results. This document does not constitute financial advice. iFAST Corporation Ltd (SGX: AIY) is listed on the SGX Mainboard. iFAST Financial Pte. Ltd. holds Capital Markets Services Licence No. CMS100043.

Alvin Tan iFAST Financial · May 2026

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This enquiry form is for the purpose of scheduling a consultation only and does not constitute financial advice. Alvin Tan (MAS Rep No. TWY300033550) is a representative of Promiseland Financial Advisory Pte. Ltd., which holds a Financial Adviser's Licence issued by the Monetary Authority of Singapore (MAS). You may verify Alvin's credentials on the MAS Financial Institutions Directory / RNF ↗. Any investment involves risk and past performance is not indicative of future results. All advice will only be provided after a proper financial needs analysis in accordance with the Financial Advisers Act (FAA) and the Notice on Recommendations on Investment Products (FAA-N16). Your personal data will be processed in accordance with Singapore's Personal Data Protection Act (PDPA). We will not share your information with third parties without your consent.

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