In The News Archives

‘Good debt’ may exist in theory, but it’s a different matter in reality

Daphne Lye, Financial Planning Lead at MoneyOwl, shared that total debt servicing ratio should ideally stay below 35% of take-home pay, and non-housing loan repayments under 15%. While housing loans may be “good debt” due to low interest rates and asset appreciation, she cautioned against sacrificing liquidity. For those facing overwhelming unsecured debt, she recommended […]

银行定存利率跌破2％部分最低已接近1％

Li Huijing, Head of Partnership & Investment Management at MoneyOwl, noted that falling bank deposit rates reflect concerns of slower economic growth and possible Fed rate cuts. She advised that while fixed deposits are useful for capital preservation, they shouldn’t be the only strategy for long-term goals like retirement. Investors should focus on holistic planning […]

理财锦囊：AI选股靠不靠谱?不明不白反受其害

As generative AI tools like ChatGPT gain popularity, many are using them for investment advice. However, experts caution that current AI models are not as powerful as perceived and may mislead users without proper financial knowledge. MoneyOwl’s Head of Partnership & Investment Management, Li Huijing, notes that AI tools rely on past data and often […]

两周内本地再有银⾏下调储蓄⼾头利率

Within two weeks, another local bank has lowered interest rates. UOB will cut rates on its flagship savings account starting next month, following OCBC’s move. MoneyOwl CEO & CIO Chuin Ting Weber notes that global interest rates are trending down due to factors like US tariffs and slowing economic growth. With a risky global outlook, […]