Savings & Investment
Fixed deposits, unit trusts, EPF — every choice carries a real cost. Here we lay out the numbers so you can decide with your eyes open.
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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.
Moving EPF into a Fixed Deposit: The Maths Most People Miss
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.