Investor Education

After a year of high interest rates, the tide is starting to turn. Singapore’s T-bill yields have declined since the start of 2025. As of 28 August 2025, the cut-off yield on the 6-month Singapore T-bill was at 1.44%. And now, with US Federal Reserve officials projecting interest rate cuts by the end of 2025,…

With T-bill yields dipping again and banks cutting savings rates, many of us are asking — what’s next for our cash? If you are comfortable with a little more risk for potentially better returns, while still keeping volatility manageable, short-term investment-grade bond funds may be the next step up. In this post, we break down…

Since the start of 2025, the US dollar has faced significant volatility. As of July 11, the Dollar Index, which tracks the USD against a basket of major currencies, has fallen by 9.8% year-to-date, its steepest decline in five years, according to Bloomberg data. For Singapore-based investors, this has naturally led to one question: What…

When investing in a bond fund, it’s natural to focus on the potential returns and income. However, understanding how risks are managed is just as important, especially in a volatile market. This week, we take a closer look at the Fullerton Lux Funds – Flexible Credit Income, and how its structure is designed to generate…

Why staying invested matters more than timing the market It’s tempting to react to the latest news headlines or social media buzz when making investment decisions. After all, who doesn’t want to buy low and sell high? But the reality is that consistently timing the market is extremely difficult, even for the most seasoned investors….