Childhood around entrepreneurs shaped his views on investing

Family's influence has led to a lifelong interest in finance for wealth manager

- Timothy Goh

For Mr Nigel Toe, grandmother stories have had a deep impact on his life. He learnt at his grandmother's knee to prioritise saving for rainy days and to invest his disposable income regularly.

His entrepreneur uncles also helped to shape his views on personal finance and investing. In his teenage years, he saw how they went all in and built commendable businesses in the technology and finance sectors.

His family's influence has helped him to be imbued with a lifelong interest in finance and money matters, from graduating with a bachelor's degree in business administration (finance) from the National University of Singapore to taking on a series of jobs that have allowed him to grow professionally and to invest in the companies that hired him.

His early career as a management consultant, for instance, gave him a glimpse into the inner workings of global companies, and this helped to shape his investment strategy.

"When I was a consultant, I really had to know the story and culture of a company - do they have a culture of teamwork, do they constantly strive to innovate? ... It's not just about financial statements," said the 31-year-old.

"I eventually learnt that the best companies to invest in are those that not only make bold plans, but actually deliver on them."

After leaving his consulting role in 2020, Mr Toe spent three years leading international expansion at private markets platform ADDX before joining local wealth manager ICH Asset Management (ICHAM) in 2024 as director of business development.

"At ICHAM, I manage a growing portfolio of high-net-worth clients and work closely with financial institutions to expand the reach of our funds," he said.

"For me, investing is a multi-generational challenge - every idea must be built to endure beyond market cycles."

Q Do you invest in anything? If yes, what do you invest in and why?