Unlock Vitality: Why Singapore’s Professionals Must Invest In Health Now [Chills 174 ft Mito Health] 

In today’s health-conscious world, the quest for longevity is no longer just a pursuit of the ultra-wealthy. As life expectancies continue to rise, planning for a long, healthy life has become a major consideration for many working professionals.

Imagine a world where living to 100 isn’t just a fantasy but a tangible reality. For Singaporeans, especially high-income earners, this dream isn’t about merely extending life but enhancing its quality and ensuring financial stability well into their golden years. The experts from Mito Health discuss how strategic health investments today can yield significant long-term benefits, positioning you to enjoy the rewards of your hard work for decades to come.


Kenneth, the startup’s co-founder and CEO, recently sat down to discuss this very topic on The Chills, a popular podcast focused on personal finance and healthy living.

Ryan, Chief Medical Officer at MitoHealth, and a practicing doctor in Singapore, shared his perspective from working with clients. “Together with MitoHealth, we see clients and work on consultations. We do startups too. It’s part of the startup. We’re a licensed MOH clinic.”

The discussion centered around reframing how people think about and allocate money towards their health. As Kenneth puts it, “health and wealth have a lot of parallels. At this point for health expenditure, most of us aren’t hedging our bets particularly well.” He likens putting everything into insurance to investing solely in cryptocurrency.

The Longevity Reality

The conversation kicked off with a stark reality check from Ryan, who cited Singapore’s Prime Minister Lee Hsien Loong’s comments that one-third of the country’s population will soon be in their later years of life.

“With medical advancements, we keep people alive,” Ryan said matter-of-factly. While not everyone will become a centenarian, he expressed confidence that far more people will live well into their 90s compared to previous generations.

For middle-class professionals, sustaining a comfortable lifestyle over an extended lifespan is a major concern. Here’s how you can prepare financially:

Retirement Savings: Boost your retirement fund contributions to ensure you have sufficient savings for a prolonged post-retirement life.
Comprehensive Health Insurance: Choose plans that cover a wide array of treatments and preventive care.
Wellness Investments: Consider allocating part of your investment portfolio to health-related stocks or businesses poised to grow as the population ages.

The Financial Implications of Longevity

For Kenneth, a former fintech entrepreneur, the implications of living longer hit close to home, both personally and financially. He admitted to feeling the pangs of aging and wanting to ensure he can remain active enough to play with his young son even decades down the road.

This realisation prompted Kenneth to rethink his family’s insurance coverage and budget allocations. As his mother entered her 60s, he noticed her life insurance premiums skyrocketing while the need for such coverage diminished with her children’s independence.

“It increasingly becomes a viable alternative to explore [reallocating funds] as a result of that,” Kenneth explained, noting his mother’s interest in investing more in proactive health measures like personal training instead of purely reactive insurance policies.

Health as a Smart Investment

Spending on health is often seen as a necessary expense, but what if we viewed it as an investment? With substantial disposable incomes, high-earning professionals in Singapore are uniquely positioned to reap the benefits of this approach. Here are some key insights from the podcast:

Preventive Healthcare: Regular check-ups, a balanced diet, and an active lifestyle are pivotal in preventing chronic illnesses and reducing long-term healthcare costs.
Mental Wellness: Early intervention for mental health issues through therapy and mindfulness can lead to improved productivity and overall life satisfaction.
Cutting-Edge Health Tech: Embracing innovations like personalized medicine, wearable technology, and health apps can help monitor and enhance your well-being effectively.

The Top 5 Tenets of Proactive Health Investing

So, how can professionals in their 30s and 40s begin proactively investing in their long-term health? Ryan and Kenneth outlined five key principles:

1. Start Early for Compounding Benefits
Just as investing for retirement is best started in one’s 20s, the same philosophy applies to health. Ryan emphasized, “What you do right now, when you’re younger, nets you more gain than doing that same effort when you’re 60 or 70.”
2. Build a “Health Reserve”
Ryan likened developing robust health to building financial reserves, stating, “Building spare capacity is one. And the second is slowing down the rate of decline.”
3. Focus on Core Strengthening
For Kenneth, his wake-up call came through back and shoulder pains from desk-bound startup life. Investing in a personal trainer for proper muscle strengthening, particularly of the core, paid massive dividends.
4. Diversify Your Health Portfolio
Ryan issued a warning against putting all eggs in the insurance basket, comparing it to investing solely in crypto. “If you want to hedge your bets, in the same way that we think about planning for our investments, you need to diversify your health portfolio.”
5. Leverage Health Data and Technology
From wearable fitness trackers to genome testing, new technologies allow tailoring health investments. As Ryan summarized, “Personalisation via data and tech…allows us to make better decisions on where to allocate resources.”
The Long Game

Both experts agree exercise is perhaps the top investment. Kenneth suggests, “spending on things that keep you adherent” like fitness equipment or memberships since “sticking to it is hard, and you can sometimes pay to make it easier, to be more accountable, to stick to something that you enjoy.”

The Long Game

Striking the right balance between health and wealth for longevity is a long game that requires proactive planning and continual adjustments. As Kenneth reflected, it’s about “thinking through where you want to be in 10, 20, 30 years” and investing holistically to get there. 

With foresight and consistent effort, today’s professionals can help secure their prospects for not just a longer life, but a higher quality of life worth living to the fullest.

The centenarian dream is within reach for those who are willing to take a proactive approach to health and financial planning. Investing in your health today means not only increasing your chances of living a longer, healthier life but also ensuring you can enjoy the fruits of your labor well into your later years.

For Singapore’s young, high-income professionals, making informed decisions that align with your long-term goals and values is key. Plan for a future that could extend into a second century by taking steps now to balance health, wealth, and personal fulfillment.

You can check their full interview on Chills with TFC, Episode 174 on Spotify, YouTube, Apple podcast for valuable insights into the world of proactive healthcare and longevity. It emphasized the importance of personalized approaches, focusing on the fundamentals, and proactive budgeting for health. As advancements in medical science continue to redefine our understanding of aging, the pursuit of a better quality of life emerges as a key priority for individuals seeking to optimize their well-being.

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