Astrea VI Bonds – New issuance of Azalea PE-backed Bonds

I wrote an article in 2019 when Astrea V was launched, I was not thrilled with PE bond offering such a low yield of 3.8% back then. But

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How Do Rising Interest Rates Affect Stock Market?

Recently, I wrote an article to caution the readers about the euphoria in the innovational technology stocks. In less than two weeks, many such stocks have crashed more

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The Year of Investing Dangerously – Ivan’s Reflections in January 2021

“Anyone can hold the helm when the sea is calm.” I start with this quote to remind myself not to be carried away by the wave of exuberance

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Average Inflation Targeting – How It Kills Your Retirement Plans

If you are a retiree or planning for retirement, you need to understand inflation. And if you are wondering what will drive the direction of the stock market

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CPF Interest Rate: Is it Really Guaranteed?

When it comes to retirement planning, you cannot ignore the Central Provident Fund (CPF). CPF is the default retirement solution for every Singaporean. Most people have some vague

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What Home Loan Do Singaporeans Take to Finance Their Houses

Are you a homeowner in Singapore? If so, there is a high chance that you still carry a mortgage loan. Do you want to know how your fellow

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Interest Rate Hike: 4 impacts it has to you and your money

Will you give it a yawn when you hear the news that the interest rate hike is coming? You may yet to realise how deeply this will affect

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Invest in short term bond funds when stock market is not safe

When it comes to investment, the first thing that comes to your mind is probably investing in stocks. People argue about stock investment all the time. Market goes up,

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Refinance your home loan before it is too late

If you have a mortgage loan with a bank, you should get worried. Because the mortgage interest you are paying is going to be more than double of what

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What is Sibor and how much is the rate now

In Singapore, most banks use Sibor to determine the interest rate of their home loan packages. Sibor stands for “Singapore Interbank Offered Rate”. It is a daily reference rate based

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