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NTUC Enterprise has almost 5 decades of doing good and serving Singaporean’s needs and Providend with close to 2 decades of ethical and best-in-class financial planning expertise.
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Read Our Latest Investment Resources
Every February, the Singapore Department of Statistics releases the Key Household Income Trends. We had that release today, 20 February 2020. A common response to this report is that of feeling rather underwhelmed but yet without surprise. All employees know that...
This article is adapted from an email to MoneyOwl clients on 28 January 2020. I usually write to our investing clients once a month after the month end, but the jitters surrounding the spread of the coronavirus spurred me to do so earlier. At the start of the week on...
A year ago, at about this time, market watchers were generally pessimistic about 2019. After all, just a month ago on Christmas Eve of 2018, markets (represented by MSCI World Index) fell by 11.76% as fears of an impending trade war between China and US grew. We...
When the markets are under extreme stress, things can and do happen on Sunday nights. Back in September 2008, Lehman’s default and Merrill Lynch’s running into Bank of America’s arms for rescue took place on a Sunday night, US time. A week later, Goldman Sachs and...
Yesterday was the worst one-day in the US stock markets since 1987. To have an index almost 10% down in a single day is a very rare event. How do we think about rare events then, in relation to our investments? The first popular framework of thought is to look at...
Top Questions People Ask Us
Is MoneyOwl a Robo-advisor?
Why does MoneyOwl not choose Exchange-Traded Funds (ETFs)?
To Avoid the “Hidden” Costs of ETFs
As many ETFs are domiciled in the US, you may be subject to higher dividend withholding taxes compared to Dimensional funds which are domiciled in Ireland, as Ireland currently do not impose withholding tax for foreign investors.
No Fractional Shares
ETFs can only be bought and owned on a per-share basis. However, when investing in ETFs, your investment amount may not be able to purchase a full share of the ETFs. This may result in a drag on your investment returns.
Currency Exposure For Bonds
Many bond ETFs are not hedged back to Singapore dollars. This may add unnecessary volatility to your portfolio as the fluctuations of currency rates might be larger than the actual price movement of the bond ETF. This defeats the purpose of having fixed income in your portfolio which is meant to act as a stabiliser against price volatility.
What are the fees that I have to pay?
The total annual fees are as follows:
|MoneyOwl Advisory Fees||0.65% p.a.*
*Or your special promotional rate
|Platform Fees||0.18% p.a.
(Payable to iFAST)
|Fund Expense Ratio (Est.)||0.28% to 0.32% p.a.
(Payable to Dimensional Fund Advisors)
Learn more about our fees.