Investing

We are experiencing a global era of inflation, signifying the end of the low-interest rate period. These two phenomena are interconnected and can significantly impact your daily life.  In a scenario where stock markets are declining, and prices are rising, it becomes crucial to safeguard your assets from eroding and diligently strive to increase their … Read more

Understanding how we spend our money is crucial to achieving financial stability and planning for the future. Two types of expenses that we encounter on a daily basis are discretionary spending and non-discretionary spending.  By differentiating between wants and needs, we can better manage our finances and prepare for retirement by tracking our overall budget … Read more

When you’re looking forward to getting an HDB loan for an HDB flat you are interested in, it would be a smart move to make an HLE application ahead. Otherwise, you might not be eligible for an HDB loan and cause an unwanted change in plans. Knowing how much you can get on an HDB … Read more

What is Total Debt Servicing Ratio? TDSR provides a measurement of an entity or a person’s ability to repay their debts. But how do you properly compute it and how does it affect you? Total debt servicing ratio (TDSR) is another credit assessment tool banks and financial institutions (FIs) use to gauge and ensure that … Read more

The 1.9% yield this year makes Keppel Corp Dividend one of the paying yet concerning dividend available in SGX. Should you invest in it? Read more here.

An effective interest rate is a return you get from investing. In contrast, a nominal interest rate is a stated payoff offered by an investment. An experienced investor may sometimes ignore the petty differences between the terms. However, the effect caused by the possible figures behind the decimal in a percentage can be enormous and … Read more

This is especially imperative if you are planning to invest in a company as you should seek to understand the company’s long-term plans, financial structure and also its management team. Hence, opting for value investing would be a smart move as value investing puts emphasis on looking into a quality company with a big potential … Read more

If you’re caught between choosing to invest in Singapore Savings Bond (SSB) or any other form of investment in Singapore, this is a guide on why you should be keen on getting savings bonds. Singapore may have a lot of other investments, but most of them present high risk, which some investors may balk at. … Read more