Author: Seedly

Are All NTUCs Created Equal?

I don’t know about you, but for some reason, supermarkets seem to be one of my favourite spots to kill time if I’m early to meet my friends. Recently, my mother was complaining about how she paid a different amount for the same item when she bought them from different outlets on separate occasions. To be specific, it was FairPrice Xtra and FairPrice Supermarket. Sounds like a familiar scenario? Well, I didn’t believe her, so I decided to get to the bottom of this. Disclaimer: We’re not sponsored by FairPrice, I was really curious about this. You should have...

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12 Things To Know About Ascendas REIT Before You Invest

Ascendas REIT (SGX: A17U) is the first industrial REIT listed on the SGX. It owns a portfolio of: business & science park properties high-specification industrial properties data centres light industrial properties flatted factories integrated development amenities & retail properties, and logistics & distribution centres located across Singapore, Australia, and the UK. Presently, Ascendas REIT (A-REIT) is worth S$9.5 billion in market capitalisation and is, thus, the largest industrial REIT in Singapore. In this article, I’ll cover its recent developments in 2019, the latest annual results as well as its stock valuation. Here are 12 things to know about Ascendas...

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Save $195,000 In 30 Years: The Ultimate Guide To Eating Clean And Saving Money

We’re more than halfway through the year but have you accomplished your “new year, new me” goal of getting in shape? Perhaps you’ve tried hitting the gym a couple of times to begin that fitspo lifestyle but what about your meals? Have you been disciplined enough to eat clean all the time? Source: giphy Many a time, we lose track of our diet and become ill-disciplined after having one too many cheat meals. So how should we get back on track? TL;DR: Save $195,000 While Meal Prepping To Eat...

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How Risky Is Your Investment?

StanTo many of us, the word “risk” has a negative connotation. We would much rather take less risky decisions than to take riskier ones and bear the chance of large negative consequences.  However, I would like to propose that risky situations provide opportunities as well. The Chinese characters for risk, “Wei Ji”, illustrates this connotation well. Source: Stillwater Consulting The character on the left, “Wei”, represents danger, while the character on the right, “Ji”, represents an opportunity. The juxtaposition of these two characters, tell us that danger and opportunity are always present in risky situations.  In finance and investing,...

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The Best Personal Accident Plans For Working Professionals

In Singapore, enthusiastic insurance agents camping at MRT stations are aplenty. While many are keen to explain their wide array of insurance products that’ll suit your needs. Unfortunately, as consumers, these plans are oftentimes difficult to comprehend. And relying solely on the 5-minute pitch of an insurance agent may not necessarily result in you obtaining the best plan. While there are hundreds of different insurance products out in the market, personal accident plans are perhaps one of the most common and basic ones which most consumers would consider. Source: giphy For those who’ve just started out researching on insurance...

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Affordable Health Screening Under $100 in Singapore

Health truly is wealth. That’s why health screening is of such importance, and even companies are helping to arrange for employees to receive complimentary basic annual health screening. The truth is – sickness may strike anytime, but if a disease or condition is discovered early through routine screening, receiving treatment early would help immensely in avoiding complications, much suffering or even death. Health screenings consist of tests like blood or urine tests and other procedures like X-rays and ultrasounds. Take note that while some packages are offered at very affordable prices, always be sure to check what each package...

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Here’s How You Can Earn $3,000 A Weekend With Your Photography Hobby!

Here at Seedly, we’re all about making smarter personal finance decisions in our search for financial independence and freedom. And naturally, we’ve talked about turning our Passion to Profit: How To Earn Money From Your Hobby. For me, one of my personal hobbies is photography. Regardless of whether you’re just starting to explore photography, or if you’ve been practising your craft for many years now, did you know that there are many opportunities for you to earn some extra money from it? TL;DR – How To Make Money From Your Photography Hobby? Your experience with photography and the amount of...

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These 3 Companies Could Multiply Your Wealth Over Time

Every investor is on the lookout for companies that can grow their earnings and cash flow over the long term. Such companies qualify as great candidates to hold for the long term, as the value of the business will steadily increase over time, and the investor may also enjoy higher levels of dividends along the way. The problem, as always, is in finding companies that display strong business moats, prudent management, and a sturdy, well-thought-out long-term plan. In order to find such companies, investors need to look out for several traits: a large (and hopefully) growing market management with...

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What Nikko AM ETFs’ Smaller Board Lot Size Mean For You As An Investor

With effect from 19 August 2019, Nikko Asset Management Asia Limited has reduced its board lot size of four exchange-traded funds (ETFs) from 100 units to 10 units. The four ETFs that are affected are: ABF Singapore Bond Index Fund (SGX: A35) Nikko AM Singapore STI ETF (SGX: G3B) NikkoAM-StraitsTrading Asia ex Japan REIT ETF (SGX: CFA) Nikko AM SGD Investment Grade Corporate Bond ETF (SGX: MBH) This is good news for retail investors, like you and I, as we have more flexibility when it comes to investing our hard-earned money. For beginner investors who are just starting out,...

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National Day Rally 2019: On How Singapore Plans To Tackle Climate Change

In this year’s National Day Rally 2019 speech, Prime Minister Lee Hsien Long talks about global warming being “one of the greatest challenges facing humankind.” It’s about time Singapore takes a strong stance against global warming, especially since it is predicted that rising sea levels would flood lower parts of our island. Here’s what we learn from PM Lee’s speech on climate change during the National Day Rally 2019. What Is Climate Change And Why We Should Care? Source: giphy The main agenda on climate change for National Day Rally 2019 is: Protecting people from climate change and renewing...

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National Day Rally 2019: Making Pre-School And Tertiary Education Affordable And Accessible

After reading our summary of the National Day Rally 2019, you’re probably here because you’re concerned about the announcements made with regard to pre-school and tertiary education. Well, considering that we place so much importance on the only asset which Singapore has: people. It’s good to hear that PM Lee highlighted the importance of education as well as the need to ensure that our education system is as accessible as possible. Most importantly, the government has recognised that preschools now serve as the new starting point for education since a child’s formative years are highly critical. From doubling full-day pre-school capacity...

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National Day Rally 2019: Increase In Retirement Age, Re-employment Age And CPF Contribution Rate For Older Workers

National Day Rally 2019 Here we are, once again, tuning in to National Day Rally 2019. We did a summary of National Day Rally 2019 so that you don’t have to! As we take a moment to appreciate how far we have come, with a recap of Operation Sook Ching, World War 2 and how the nation was built, we look forward and dive in on some of the policies that us, as we remain hopeful for our future. Before we dive deeper into the topic of jobs, retirement and CPF contribution rates here’s a quick fun fact to...

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National Day Rally: Singapore’s Slow Economic Growth. What Can Singaporeans Do?

Slow Singapore’s Economic Growth Here’s a piece of bad news. Singapore economic growth has slowed down significantly in the year 2019. Some of the main factors affecting the slowing down of economy include: Lower global demand and international trade. Sectors that took the most hits are the manufacturing and trade-related services sector. Retails continue to be affected by the rise of e-commerce and online shopping. (Fans of Taobao, I know right!) A slump in electronics Is Our Economy Still Relevant? On a brighter side, Singapore managed to attract major investments this year. Finnish oil company Neste invested more than...

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National Day Rally: Singapore’s Slow Economic Growth. What Can Singaporeans Do?

Slow Singapore’s Economic Growth Here’s a piece of bad news. Singapore economic growth has slowed down significantly in the year 2019. Some of the main factors affecting the slowing down of economy include: Lower global demand and international trade. Sectors that took the most hits are the manufacturing and trade-related services sector. Retails continue to be affected by the rise of e-commerce and online shopping. (Fans of Taobao, I know right!) A slump in electronics Is Our Economy Still Relevant? On a brighter side, Singapore managed to attract major investments this year. Finnish oil company Neste invested more than...

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National Day Rally 2019: All You Need To Know

LIVE: National Day Rally 2019 Prime Minister Lee Hsien Loong is due to deliver his National Day Rally 2019 speech where he focuses on some of the policies, priorities and initiatives for the government. TL;DR – National Day Rally 2019. Things that matter to Singaporeans Making pre-school more affordable for middle-income families 1. Ensuring pre-school is more affordable for middle-income families More elaboration on steps to make pre-school even more affordable for middle-income families in his English speech. 2. Ensuring fees for polytechnics and universities are as affordable as possible, even for the poorest families Ministry of Education(MOE) will...

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