Risk & Wealth Management

  • profitability?
  • liquidity?
  • risk?
These three factors are intimately connected and it is crucial to strike a balance between them in order to maintain a successful profit-making business.

Committed to our clients’ well-being, SWO’s wide range of Risk & Wealth Management facilities are designed to help you to create harmony within your business so as to achieve maximum profits.

We believe that once your risk and wealth aspects are taken care of, you can live your lives to the fullest.

Keyman Insurance - key person insurance or key employee insurance is a coverage that will protect the company in the case of an untimely death or disability of a top salesperson, executive or business owner. Key man insurance provides peace of mind to business owners and shareholders alike, knowing that the business can continue operations without major disruptions in the event of the loss of a key employee. If death or disability strikes your company, the key person insurance may be the difference between the company’s demise and its ultimate success.

Golden Handshake – A golden handshake is a hefty severance package which is offered to senior executives and other high ranking employees. Often, the terms of a golden handshake are included in a hiring contract, and they are viewed as insurance against sudden or involuntary job termination.

Retirement Planning – Retirement is one of the most important life events many of us will ever experience. From both a personal and financial perspective, realizing a comfortable retirement is an incredibly extensive process that takes sensible planning and years of persistence. Even once it is reached, managing your retirement is an ongoing responsibility that carries well into one’s golden years.

CPF Investment – The CPF Investment Scheme (CPFIS) allows you to invest your CPF savings in a wide range of investment products to enhance your retirement nest egg.

Education Planning – Start early and plan for your kid’s education in years to come, as education costs are always on the rise. We offer great saving products to our clients to meet their kids’ education needs in the future.

Financial Planning – We help you to plan and manage your finance for that you can retire with a peace of mind in the many years to come. We offer a wide range of instruments which are customized to each individual’s goals and needs.

Wealth Accumulation – We believe in making money work hard for our client. By using the right vehicle, the goal to financial freedom is never an impossible task. Our knowledge and expertise is sure to benefit our clients as we provide top-notch advices.

Critical Illness Protection – Critical illness insurance or critical illness cover is an insurance product, where the insurer is contracted to typically make a lump sum cash payment if the policyholder is diagnosed with one of the critical illnesses listed in the insurance policy.

Family Income Protection – Family income benefit is particularly attractive to those who like to know they have a regular monthly income and would rather not have to worry about complex investment decisions to make the most of a lump sum payout.

Hospitalization Cost Protection – With the rising costs of medical expenses, it is always wise to get yourself protected and divert your risk to insurance providers. Save guard your hard-earned money and let the insurance companies take care of your bills.

Mortgage Protection – Still have outstanding mortgage loans? Get your loved ones protected so that they will not have to worry about repaying the mortgage loans should anything happen to you.

Disability Income Protection – Business Insurance – Natural disasters, injuries to customers or employees, mistakes and automobile accidents all can cause monetary losses to your business. Fortunately, business insurance is available to help mitigate the effects of these unforeseen events.

Lifestyle Goal – Everyone has their goals in life. Many times, our goals are shaken by the situations we faced in life. Fulfilling your goals is never as daunting as it seems if you plan early.

Trivial stats

Did you know that engaging SWO as a partner can reduce up to 98% of your risk?



For any forms of enquiry, please feel free to contact us. Our Customer Service department will get back to you shortly.