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Where to put my spare money to work

Where to Put My Spare Money to Work

by Tiffany Toh

[vc_row css_animation=”” row_type=”row” use_row_as_full_screen_section=”no” type=”full_width” angled_section=”no” text_align=”left” background_image_as_pattern=”without_pattern”][vc_column][vc_column_text]In the last article I wrote, I mentioned that in the past when inflation was last at these levels, you could always find a quasi-risk-free fixed deposit rate at a bank that was generally higher than the inflation rate. So, your money earns a little more than the inflation rate of the time. Today, the fixed deposits and inflation markets seem to be moving in opposite directions. This tells us, the average investor, that we need to seek a little more risk for our savings to stay ahead of ongoing inflation. Generally, it…

Inflation – The Search for Returns for The Average Investor

Inflation – The Search for Returns for The Average Investor

by Tiffany Toh

Inflation – the search for returns for the average investor If I recall correctly, the last time inflation rates or cost of living were at these levels, our interest rates on bank accounts were far higher. For example, in Australia where I come from, the standard bank deposit rate was 13.95% while inflation stood at 7.3% in 1990. Meanwhile, the standard bank deposit rate was only 5.85% in 2000 when inflation stood at 4.5%. Today, inflation in Singapore stands at 5.5% annually to March but our standard bank deposit rates are only 0.05%

Top 7 finance tips for people in their 50s

Top 7 Finance Tips for People in Their 50s – Infographic

by Tiffany Toh

Top 7 Finance Tips for People in Their 50s Hitting the big 5-0 can be a financial wake up call for many. With retirement slowly coming into sight, this is the time to figure out where you stand financially and whether you have kept on track with your goals. Even if the answer is no, this next decade gives you the opportunity to make adjustments and put in the final touches to successfully set yourself up for your golden years. With fewer dependents and less people counting on you, your 50s are when you can…

Top 8 finance tips for people in their 40s

Top 8 Finance Tips for People in Their 40s – Infographic

by Tiffany Toh

Top 8 Finance Tips for People in Their 40s Often considered to be some of the busiest and most rewarding years of life, Victor Hugo once described one’s 40s as “the old age of youth”. After many years of self-discovery, your 40s finds you settled and successful in where life has taken you. By this point, you have likely established yourself professionally, you’re excelling at your job and you’re nearing peak earning years. While this presents the perfect opportunity to go full steam ahead on your retirement goals, your 40s are also a time where…

Top Finance Tips for People in Their 30's

Top 8 Finance Tips for People in Their 30s – Infographic

by Tiffany Toh

[vc_row css_animation=”” row_type=”row” use_row_as_full_screen_section=”no” type=”full_width” angled_section=”no” text_align=”left” background_image_as_pattern=”without_pattern”][vc_column][vc_column_text]Top 8 Finance Tips for People in Their 30s Your 30s mark an exciting decade. It is often a time associated with many special moments and big milestones in your personal and professional lives. Leaving behind the impulsivity of your 20s, your 30s puts you on the halfway point to retirement in most instances, where you will likely face many consequential decisions over your future. Whether this is getting married, buying a house, or becoming an expatriate – for many, it is when you start to take your career, your finances, and your…

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