Welcome to our Financial Concepts section, your guide to understanding the essential principles of finance. Whether you’re new to the world of investing or looking to deepen your financial knowledge, we cover a wide range of topics such as budgeting, interest rates, risk management, compound interest, asset allocation, and more. Our easy-to-understand explanations break down complex financial theories into actionable insights that can help you manage your money smarter and grow your wealth. From fundamental concepts to advanced strategies, this section is designed to empower you with the knowledge you need to navigate your personal and professional financial journey with confidence.
Singapore’s progressive tax system means that as your income increases, your tax rate rises. However, by strategically leveraging various tax reliefs and deductions, you can significantly reduce your taxable income and overall tax liability. This guide will cover: 1. Understanding Singapore’s Tax System Personal Income Tax Rates (Year of Assessment 2025) Singapore employs a progressive tax … Read more
Stock fair value is the estimation of a stock’s intrinsic worth based on fundamental factors, guiding investors in determining if a stock is overvalued, undervalued, or fairly priced. Understanding fair value aids in making rational investment decisions, while the Dynamic Stock Valuation Calculator offers tools to simplify the calculation process for various valuation methods.
Recently, I had conversations with two friends on separate occasions, and they both shared their thoughts on saving for the future. One of them mentioned that he’s been diligently saving every month, yet he doesn’t have a specific end goal and often wonders if he’s saved “enough.” Meanwhile, my other friend expressed uncertainty about how … Read more
Dividend investing has long been a favored strategy for those seeking stable income while building wealth. In addition, dividends account for nearly half of returns over the last 30 years for S&P 500 companies (Source: Fidelity International, 2024). However, choosing the right dividend-paying stocks requires more than just selecting companies with high yields. Here are … Read more