When the news broke that two independent candidates, Jeremy Tan and Darryl Lo, would be contesting in this General Election, I found myself thinking about more than just their manifestos. Yes, it takes courage to stand for election without the backing of a political party. But it also takes something else that often goes unspoken….
Someone recently posted in the Seedly Facebook group: “Hi! I’ve lost touch on my CPF investment scheme for more than 10 years. Invested when young and totally forgot about it. Happened to come across this statement today and would like to seek kind assistance and advise to ‘translate’ what this statement means? What should I…
There’s no shortage of worry in today’s markets. Geopolitical tensions, persistent inflation, shifting interest rate expectations, and global policy changes have combined to create a sense of unease among investors. And if you’re feeling that, you’re not alone. The key question is, what should you actually do about it? Whether you’re managing a portfolio yourself…
I have been using robo-advisors for several years now, and overall, I have had a positive experience. They offer a simple, automated way to invest, and when the portfolios are structured correctly, they can deliver solid returns at relatively low fees. But not everyone has had the same experience. In a recent investment portfolio analysis…
With high-interest-rate environments making USD deposits increasingly attractive, Singapore-based fintech Chocolate Finance has launched a new USD interest rate product that promises up to 4.6% per annum. The offer has caught the attention of savers and investors alike, especially those looking for alternatives to fixed deposits, money market funds, and US Treasury bonds. However, as…
Recently, I facilitated a financial literacy game, and one of the participants, a fresh graduate from a local university, gave me a lot to think about when it comes to financial advice. She played the game with a good sense of financial responsibility, focusing on clearing liabilities like credit card debt. This strategy helped her…