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Investing Ideas for Singaporeans

If you have never invested before, the idea of putting your money somewhere other than the bank can appear daunting. Thus, many of us end up postponing investing out of uncertainty, and never come to reap its gains. If you’re still hesitating, here are five reasons why you should start investing as soon as possible.


1. Investing protects your money from inflation

Inflation is inevitable, and a healthy economy will inflate every year. However, this is scary to many consumers because inflation erodes the value of money slowly. It is frightening to know that your hard-earned savings today will be worth less ten years later. Through investing in vehicles that have strong rates of returns, you are effectively protecting your money from inflation. Now, some people may wonder why they should invest when their savings accounts will similarly return annual interest. This is because the interest rates offered by banks on savings account is usually less than 1%, while Singapore’s inflation rate is expected to hit 1.48% in 2026? Merely keeping your money in a savings account is not enough to ward off the erosive effects of inflation, but investing will keep it safe.


2. Compound interest grows your assets with time

Many of us have been told that we should “make your money work for you.” We know that we can do this through investing, but how exactly does it work? Part of the magic behind it is compound interest. In simple terms, compound interest is the interest on interest. If you have an annual yield of 5% on your $10,000 investment, your annual return would be $500 in the first year. In the second year however, the return would be $500 with an additional $25 due to compound interest. It’s easy to see how your net worth can balloon with a few simple investments. 


3. Generate passive income 

Similarly, investing can also generate passive income for you, which would be especially significant when you are looking to retire. Being without an active source of income in retirement can be dangerous because nobody knows when money may be urgently needed. Passive income through investing can put your mind at peace, as money flows in regularly from interest or dividend payments. Holding onto high liquidity assets can also be a valuable source of emergency income. 


4. Investing helps you reach your financial goals better

In short, investing is all about growing your net worth and keeping your money safe. As an indirect result, investment is thus effective in helping you reach your financial goals better and faster. Whether you are saving money because you want to buy a house, a car or simply growing a nest egg for the future, investing your money can help you reach these goals much quicker than merely leaving your money in a savings account. 


5. Invest in meaningful causes

Want to do something meaningful with your money, all the while watching it grow for you as well? With the recent rise of ESG (Environmental, Social, and Corporate Governance) investing and P2P lending, you can! Many people today prefer to invest their money in companies backing the causes they believe in, because not only are they helping these companies grow, they are building their own wealth at the same time.
For something closer to home, the P2P lending space is also an extremely effective way to show that you care about the #supportlocal movement. Companies like Minterest connect investors to lenders by allowing them to invest directly into SME lending, which in turn helps Singapore’s local businesses expand and improve with access to more cash flow. But wait, the perks don’t stop there! On top of its accessible interface and low minimum investment of only $50, Minterest is also giving 2% cashback to all new members for their first deposit into their e-wallet! Take charge of your investment and sign up here!

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Shaun Tan

Loan Executive

With 6 years of financial planning experience, Shaun has helped many individual and corporate clients achieve their goals. 

Shaun is passionate about life and adventure, and is a licensed divemaster who enjoys bringing the joy of the underwater world to others.