Interest rates are falling—again. If you’ve been wondering what to do with your idle cash or feeling anxious about shrinking returns from “high interest” savings accounts, you’re not alone. Just a few months ago, many Singaporeans were still parking their idle cash in so-called “high interest” savings accounts, thinking it was a safe and smart move. And now, we’re seeing that shift to low interest rate environment unfold right before our eyes. The question now is: how do you stay ahead of the curve and protect your income – even in a falling interest rate environment? In this article, I’ll share how I approach income investing using my “Kueh Lapis Income Strategy”—layering different assets to build stable, long-term and sustainable returns. For my clients and community members, you’ll know I’ve been consistently advocating a Kueh Lapis Income Strategy since the beginning of the year. Rather than chasing short-term yields such as T-bills or Fixed Deposits,  ...