It has been 1 year since Chocolate Finance broke into the scene and offered a new model of investing your spare cash for returns higher than fixed deposits, without any lock-ins. One year on, has Chocolate Finance delivered on its promise and lived up to its hype? When Chocolate Finance launched last year and offered 4.5% p.a. on your first $20,000, it created quite a bit of buzz among the personal finance community folks here. But while some Singaporeans were skeptical and some chose to stay out, some braver souls who understood its business decided to test it out and juice the returns for themselves. If you couldn’t get in, you weren’t the only one as Chocolate Finance launched in beta mode last year, which meant it was on a by-invite only basis. I was intrigued enough back then to do my due diligence (which you can see documented here), where I grilled the CEO to understand its...