civil service year end bonus 2025

Civil Service Year-End Bonus 2025: How to Make the Most of It?

Today marks an exciting milestone for Singapore’s public sector: the Public Service Division (PSD) has officially announced the Civil Service Year-End Bonus 2025, and it’s notably generous this year. All civil servants will receive 1.3 months of Annual Variable Component (AVC), plus a one-time S$600 lump sum for junior-grade officers in MX15, MX16, and the

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Cryptocurrency Investing Singapore

Dear readers, today I came across a striking statistic that highlights the growing relevance of cryptocurrency investing in Singapore: 61% of Singapore’s retail investors now own cryptocurrency, yet most keep their allocations relatively small. In a financial landscape long dominated by equities, property, and fixed-income products, this shift signals a cautious but rising interest in

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US SDR

Rule Breaker Investing by David Gardner: 10 Game-Changing Lessons

Rule Breaker Investing by David Gardner: David Gardner, co-founder of The Motley Fool, is known for being one of the most unconventional yet consistently successful growth investors of the past three decades. While traditional investors gravitate toward steady cash flows, low valuations, and predictability, Gardner focuses on something entirely different: excitement, innovation, disruptive potential, visionary

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Hong Kong stocks

Two Straits Times Index (STI) Oversold Trusts

The Straits Times Index (STI) hosts some of Singapore’s most resilient and income-generating real estate investment trusts (REITs). As at the trading week ended 21 November 2025, two such REITs — Frasers Centrepoint Trust (FCT) and Mapletree Industrial Trust (MIT) — emerged as notable oversold candidates. For STI-focused investors, oversold conditions in constituent REITs can

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Starhub stock

SGX NASDAQ STOCKS: WORTH INVESTING?

The announcement of the SGX–Nasdaq listing bridge has generated a level of excitement rarely seen in Singapore’s investment community. For decades, the Singapore Exchange (SGX) has been known for its defensive, income-driven profile dominated by banks, REITs, telcos, transport operators, and mature blue chips. This identity served Singapore well as a hub for stability, but

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STI Corrections

SGX–Nasdaq Dual Listing: Benefits for Retail Investors

Singapore’s equity market has been undergoing major reforms, and the introduction of the SGX–Nasdaq dual listing framework is the latest measure to strengthen liquidity, improve access to global companies and enhance market competitiveness. This new cross-market initiative builds on earlier efforts by the Equities Market Development Group — including liquidity enhancements, market-making support and governance

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DBS S$1.3 billion lawsuit

How to Save More for This Festive Season Online Shopping?

The festive season in Singapore is hands-down one of the busiest periods for online shopping. With Christmas, New Year, and even the lead-up to Chinese New Year, Singaporeans are bombarded with sales on Lazada, Shopee, Amazon SG, Zalora, Shein, Taobao, and countless brand websites. It’s easy to get swept up in flash deals, countdown sales,

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Sembcorp Industries stock

Money Market Fund Yields Below 1%: Are They Still Worth It in 2025?

Money Market Funds (MMFs) have become increasingly popular in Singapore over the past few years. From retail investors to high-net-worth individuals and even corporate treasuries, MMFs have often been viewed as a low-risk, highly liquid place to park spare cash while earning a modest return. However, as of 2025, MMF yields have fallen significantly—many now

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