公积金明年起六项调整 助会员累积更多存款
Daphne Lye, Senior Solutions Lead of MoneyOwl, pointed out that the Central Provident Fund (CPF) is the cornerstone of Singapore’s retirement planning. The CPF-related adjustments that will take effect next year can help Singaporeans increase their retirement savings.
理财锦囊：年末个人理财 用KonMari断舍离
Daphne Lye, Financial Planning Lead at MoneyOwl, said that when evaluating existing insurance plans, one should consider whether adjustments are necessary based on the new environment and life goals. The important thing is to ensure that one and one’s family do not pay excessive premiums but receive adequate protection. She provides the following basic insurance guidelines: […]
三个月内近12万人使用公积金局新线上财务规划工具
Chuin Ting Weber, CEO and CIO of MoneyOwl, encouraged early retirement planning and CPF top-ups. The earlier you start retirement planning, the better. She suggested that the public start by understanding their existing CPF savings and setting a target monthly income for retirement. They should also set a certain amount to invest or top up their […]
理财锦囊：投资联结保单“迎新红利”诱人 实非“免费午餐”购买前须三思
Chuin Ting Weber, CEO and CIO of MoneyOwl, said in an interview: “In addition to insurance companies, investment platforms and banks also offer account opening bonuses, but ILPs offer larger bonuses and longer lock-in periods.” ILP products typically have a lock-in period, also known as the Minimum Investment Period (MIP), which is usually 10 years or […]
IN FOCUS: Is ChatGPT better than a financial adviser? I put it to the test
Chuin Ting Weber, CEO and CIO of MoneyOwl, said one of generative AI’s strengths lies in sifting through vast amounts of data and calculations to quickly churn out research. Added to that is the ability to convey findings in a human-like manner, including asking follow-up questions. This can make the process feel like it’s what a […]
理财锦囊：退休后办信用卡 如何省心不烧钱?
Chuin Ting Weber, CEO & CIO of MoneyOwl, a financial advisory company under Temasek Trust, predicts that the number of retirees who meet the income threshold for credit card application based on CPF lifetime income may not be large. Most people who are eligible and have credit cards before retirement are likely to renew their […]
‘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, […]
