Savings & Investment
Fixed deposits, unit trusts, EPF and your company's idle cash — every choice carries a real cost. Here we lay out the numbers so you can decide with your eyes open.
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Corporate Cash Management: 15 Questions Business Owners Ask Most
Before moving idle company cash beyond FDs, get these answered: capital safety, comparing returns, settlement, tax and accounting, and board approval.
Can a Money Market Fund Actually Lose Money?
Between "low risk" and "can't lose" are a few things a business owner should ask about personally.
3% vs 2.5%: How Big Is the Difference, Really?
What half a percentage point is worth, and whether it's worth the risk, becomes clear once you do the sums. Calculator included.
Your Company Has RM1 Million. Why Not Put It All in an FD?
The FD isn't the problem. Locking everything in without asking when the money will be needed is. Split the cash into layers first.
RM20 Million in Revenue. Why Is the Company Still Short of Cash?
Profit on paper and cash in the bank are two different numbers. The money is usually stuck in receivables, stock and payments the income statement doesn't show.
SGD500 a Month Since 2010: S&P 500 DCA vs a Singapore Fixed Deposit
Same money, two paths. Real historical data, laid out side by side — DCA into the S&P 500 versus a Singapore fixed deposit.
What Your Bank Doesn't Tell You About That 12-Month FD
Promotional FD rates sound attractive — but early redemption penalties, inflation drag, and opportunity cost change the maths.
EPF vs FD in Malaysia: Should You Move EPF Into a Fixed Deposit?
The EPF i-Invest window lets you move money into a bank FD — but EPF's 6.15% tax-free, capital-guaranteed dividend sets a high bar that most FDs can't clear.
"I'll Wait for the Dip" — How Market Timing Keeps People on the Sidelines
Market timing sounds logical. The data says otherwise — waiting for the dip usually costs more than just starting.
Bank Advertises 5% FD. What Do You Actually Pocket?
Promotional rates, inflation drag, PIDM deposit insurance limits — strip those back and you'll see what that 5% actually delivers.