On Integrated Shield Plan Rider Changes
We need to revisit our mindset on insurance
Changes to Integrated Shield Plan Riders from April 2026
What they are, how riders work, and whether you really need one
CPF: A ‘Pay Yourself First’ System
By Chuin Ting Weber, CFP, CFA, CAIA CEO & Chief Investment Officer, MoneyOwl 💰 CNBC reports that in “most-expensive-in-world” Singapore, 60% of workers live paycheck to paycheck1. A touch of sensationalism in the implied causation. But wherever you stand on the policy debates around living, housing and transport costs, it may be more helpful to focus […]
The Lottery Effect and Our Homes
By Chuin Ting Weber, CFP, CFA, CAIA CEO & Chief Investment Officer, MoneyOwl In recent years, the Singapore Government has taken steps to reduce the “lottery effect” in public housing. Mothballing the Selective Enbloc Redevelopment (SERS) scheme in favour of a Voluntary VERS isn’t mainly about this — it’s about managing 99-year leases running down more […]
What the National Household Balance Sheet Reveals — And How to Use It to Improve Your Own Finances
Discover key insights from Singapore’s national household balance sheet and learn how to apply them to improve your personal finances, savings, and investments.
Beyond Tax Incentives: Rethinking Financial Planning for the Everyday Person
By Chuin Ting Weber, CFP, CFA, CAIA CEO & Chief Investment Officer, MoneyOwl Are tax incentives and multiple choices sufficient for good financial planning outcomes en masse? It may not be obvious in Singapore, but financial planning and financial literacy are professions that attract international research. Recently, Wharton’s Assoc Professor Christina Zhu conducted an award-winning study […]
Financial Advice is not a Substitute for Financial Literacy
By Chuin Ting Weber, CFP, CFA, CAIACEO & Chief Investment Officer, MoneyOwl Prof Annamaria Lusardi is a global authority on financial literacy When I had the privilege to meet her in the US while on the Stanford Executive Program one year ago, she said to me, “Financial advice is not a substitute for financial literacy.” […]
Home Financing 101: A First-Time Buyer’s Guide in Singapore
A practical guide for first-time home buyers in Singapore, covering budgeting, loan options, and choosing between BTO and resale flats.
Credit Cards in Retirement: Smart Tool or Risky Temptation?
Retirees can now use CPF LIFE payouts to apply for credit cards, but responsible usage is key to avoiding debt and preserving retirement savings.
Insurance Jargon Decoded: What Pre-Authorisation Really Means for Your Hospital Coverage
By Vivienne OngMarketing Lead, MoneyOwl Last week, news broke that Great Eastern would temporarily pause pre-authorisation certificates for admissions to Mount Elizabeth Hospital. To the average policyholder, this might sound like a removal of benefits. But for many, it raised a more fundamental question: What even is pre-authorisation, and why does it matter for my […]
