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Love is a natural and heartfelt feeling that we all need. In our relationships with our parents, spouse, children, friends, and even our pets, we can see that showing and receiving love can be surprisingly different from person to person. This is what we refer to as “love languages”.
Knowing one another’s preferred “love languages” is a meaningful way to strengthen the bond between two people. This can easily extend to a couple’s finances and investments, and knowing each other’s “love language” can be an excellent way to build a deeper, more trusting relationship.
Couples, you should make the effort, ideally even before marriage, to share your financial goals for yourselves and the family. This encourages open communication so that both parties can be on the same page.
While short-term financial goals, such as wedding expenses, choosing a honeymoon destination, and buying your first home, might be more urgent, longer-term family and financial goals can be equally, if not more important. How many children you want, your desired lifestyles together, and retirement should also be discussed.
With some of these financial goals in mind, the discussion can then move towards the “how” of achieving them, and that’s where your “investment love languages” come in.
#1 Quality Active Management Time
Some investors are focused on actively managing their investments regularly. They could be watching stock tickers, leaving several stock charts on a separate screen to update in real-time, even setting up mobile notifications for when stocks reach a preset milestone.
For investors with this love language: Avoid being glued to your phone 24/7. Set aside time during dinner, dates, or before bed to talk to your spouse – even when the markets are open! Give your spouse your full attention when you are with them, and make sure you show at least the same level of meticulous care and detail in your relationship with your spouse!
For those married to investors with this love language: Showing support and understanding goes a long way. Give them the space to focus on their investment passions by recognising that they may need to make decisions throughout the day while markets are open. Demonstrate your trust in them by not questioning each small decision, believing that they are still working towards your shared financial goals.
Take some steps to learn more about their passions and perhaps start by researching the companies that own the brands you already buy from – in sports, technology, leisure, and even at the supermarket.
Let them know that FSMOne offers high-quality research ideas and articles, along with valuable tools like informative charts, financial data, and asset class selectors, all in one platform. Best of all, these resources are available for free and can be accessible whether you’re in Singapore or traveling overseas.
#2 Affirmations Of Risk Tolerance
All investors have some level of risk tolerance. This refers to the level of financial risk you are comfortable and willing to take for the kind of returns that you want. For some investors, their ideal strategy is to take on an above-average level of risk for above-average returns to achieve their financial goals.
For investors with this love language: Communicate your risk tolerance to your partner and check with them to see if you need different risk profiles for your individual portfolio and your shared family’s portfolio. Commit to regular reviews to ensure that your portfolio’s risk profile is consistent with your goals.
For those married to investors with this love language: Don’t feel obliged to share the same risk tolerance as your partner. It can be healthy for a couple to have different risk tolerances, as it creates a more balanced portfolio as a family, if the lines of communication are open between partners.
FSMOne is like a mega fund supermart that offers a wide range of unit trusts, bonds, stocks, ETFs, and managed portfolios. There’s an investment that can meet your needs, regardless of your risk profile or investment objective. As a leading wealth management platform, FSMOne provides a one-stop service for all your investment needs. Additionally, FSMOne’s dedicated, non-commissioned investment advisory team offers insightful investment advice. If needed, their office is conveniently located at Raffles Place, allowing for face-to-face interaction.
#3 The FIRE Touch
Investors who are passionate about the Financial Independence, Retire Early (FIRE) movement often combine aggressive savings and frugal lifestyles with a focus on high-yield investments. The goal is ultimately to build a portfolio that can provide steady income for the rest of their lives.
For investors with this love language: Make sure you consult your spouse before embarking on any FIRE-related decisions! As your equal partner in life, you will need their support and agreement, especially with financial decisions that will affect the family’s lifestyle and the financial needs of your children. Most importantly, be ready to communicate and compromise.
For those married to investors with this love language: The key here is awareness. Get the full picture of what you’re committing to and understand the risks involved in such a lifestyle. Don’t be afraid to ask your partner for compromises if you need them at the beginning, such as a trial period to test your comfort level with FIRE. However, once you both have reached a long-term agreement, be ready to stick it out with your partner, just like how FSMOne has earned the trust and credibility by serving clients from all walks of life for the past 25 years. What’s more, FSMOne is the first platform to offer permanent 0% sales charges and redemption fees for unit trusts. Besides cash, investors can also use their SRS and CPF OA funds to invest in unit trusts via FSMOne.
Pros And Cons Of Sharing The Same Investment Love Languages
While researching the topic about love languages in investments, we found a comment on Reddit that goes “A couple that VWRAs together, stays together.”
While intended to be tongue-in-cheek, the sentiment behind it still resonated. It may be easier when a couple shares similar investment love languages.
However, even in what initially seems like an ideal situation, where both partners share the same investment love languages, there is the danger of groupthink or being in the same echo chamber. You could be unwittingly receiving investment advice from the same sources or be unintentionally closed to different opportunities.
Couples with the same investment love language should at least be aware of their investment blind spots, or better yet, get an external opinion on their portfolio. FSMOne’s Investment Advisory Team is always ready to provide a second opinion and investment advice without any fees.
FSMOne Is The Perfect Match For You And Your Partner
Regardless of your investment love language, opening an account with FSMOne can help you work towards your investment goals as an individual and family.
FSMOne has helped investors around the world to invest globally and profitably since 2000 by catering to their every need as a one-stop for unit trusts, bonds, stocks, ETFs, and more. Choose from over 2,000 unit trusts offered by more than 200 leading fund managers, suitable for both beginner investors and seasoned pros. FSMOne also offers an ETF flat fee of just S$3.80 and US$3.80 when you invest in the SGX and US markets, respectively. Also, don’t miss out on the opportunity to invest with 0% processing fees when you utilize their ETF Regular Savings Plan, with over 200 popular ETFs available at your fingertips.
Promo Code To Start Your Journey With FSMOne
What’s even better is that you can now receive $10 when you open an FSMOne account using the referral code of fsm1forme today and get another $15 when you make your first ETF investment. The promo period will last till 31st August 2025.
Join FSMOne For An Exclusive Event (Admission is free)
Don’t miss FSMOne’s exclusive event, “The Perfect Match – ETFestival x Mid-Year Review,” on 5th July 2025, Saturday, at Marina Bay Sands! From 9.30am to 5.00pm, learn how FSMOne can be your perfect investment partner and hear from industry experts on how to confidently navigate the markets and optimise your portfolio. Find out more and register for free admission here!
