claralim

Articles by Clara Lim

I used to be MoneyDumb. I hung out at H&M every day and thought that a $50 lunch set was a good deal. These days, I spend my time researching the crap out of life and trying to maximise utility on micro-decisions. I'm not sure if that's an improvement.

Top 7 ETFs in Singapore — The Total Beginner’s Guide to Investing in ETFs
Invest
Top 10 ETFs in Singapore — The Total Beginner’s Guide to Investing in ETFs
Most of us have a vague idea that we should be investing at least some of our money to make it grow, but no one ever sits us down and...
4 January 2022
CheapGyms_update_masthead
Fitness & Beauty
Cheap Gyms in Singapore — 10 Gym Memberships Under $100/Month (Dec 21)
These days, spending upwards of $200/month on fancy gyms like Fitness First and Virgin Active are the norm. But after a certain point, you’ll realise you’re actually paying more for the...
21 December 2021
Singtel Dash Town festive - win prizes and more
Shopping
Play to Win: Singtel Dash Offers Over 1 Million Prizes in Dash Town
This post was written in collaboration with Singtel Dash. While we are financially compensated by them, we nonetheless strive to maintain our editorial integrity and review products with the same...
christmas catering singapore
Dining
Christmas Delivery Singapore 2021 – Top 10 Christmas Dinner Takeaways Under $50/pax
How time flies… it’s already our second Christmas living with Covid! What would chase the blues away better than organising the Christmas dinner of your wildest dreams? Well, that’s the...
10 December 2021
Syfe - parents can achieve FIRE (financial independence, retire early) too - by 50
Invest
How to Achieve FIRE by 50, While Still Giving Your Kids the Best
This post was written in collaboration with Syfe. While we are financially compensated by them, we nonetheless strive to maintain our editorial integrity and review products with the same objective...
Sleek open business account - free business tools
Business
Can You Start A Business With Just $1,000 or Less?
This post was written in collaboration with Sleek. While we are financially compensated by them, we nonetheless strive to maintain our editorial integrity and review products with the same objective...
Citi Cash Back Card Review
Credit Cards
Citibank Cash Back Card – MoneySmart Review 2022
The Citibank Cash Back Card is one of the most eye-catching cashback cards in Singapore, promising up to 8% cash rebate (huat ah!) on everyday spending categories. In contrast, the average cashback...
11 November 2021
dbs live fresh card
Credit Cards
DBS Live Fresh Card – MoneySmart Review 2022
Singapore’s go-to bank DBS must really want to change up their mundane, workaday image — just look at the snazzy DBS Live Fresh Card. The cashback credit card has an attractive...
21 September 2021
DBS Altitude Visa Signature Card Review (2022)
Credit Cards
DBS Altitude Visa Signature Card Review (2022)
Yet another DBS credit card? You’ll want to pay attention to this one though. The DBS Altitude Card is one of the most popular air miles credit cards for fresh...
20 September 2021
National steps challenge
Fitness & Beauty
National Steps Challenge Season 6 – Guide to Registration, Steps Tracker Collection & Rewards
Haven’t you heard? The National Steps Challenge Season 6 is about to begin, on 1 October 2021! This will run through 31 March 2022. Now heartland uncles and aunties will have...
14 September 2021
5 Best Crypto ETF Alternatives for Singapore Investors (2021)
Invest
5 Best Crypto ETF Alternatives for Singapore Investors (2021)
Is there a cryptocurrency ETF? It might surprise you to learn that the answer is no. Although there are ETFs (exchange traded funds) for almost anything you can think of...
13 August 2021
unit trust singapore investment
Invest
Unit Trusts in Singapore – Things to Know Before You Invest
Most common investments in Singapore, (like stocks, bonds, and property) are not difficult to understand once you get past the jargon. When it comes to complex products like a unit...
27 July 2021
private annuity singapore
Invest
Retirement Annuity Plans in Singapore: What Are They & How to Choose One
Ask many Singaporeans about how they plan to fund their retirement, and you’ll probably get a couple of stock answers: “CPF” and/or “my kids”.  But that’s not you, right? As...
9 July 2021
Singapore Savings Bond Review
Invest
Singapore Savings Bond (SSB) Review — Interest Rates & Buying Guide
Ever since the Government launched Singapore Savings Bonds (commonly abbreviated as SSB) in 2015, it has gone from being a super-conservative investment with low returns, to an actually decent investment vehicle...
6 July 2021
retirement planning singapore 2018
Budgeting
Retirement Planning in Singapore: A Starter Guide for Confused Millennials
When you think “retirement”, do you imagine travelling the world, cruising on your own yacht, and being surrounded by Playboy bunnies/boy toys? Sorry, but retirement in Singapore isn’t quite as...
17 June 2021
FWD Car Insurance Review
Car Insurance
FWD Car Insurance Singapore Review 2021
Known for its Lifetime 50% No Claims Discount (NCD) guarantee, FWD has grown to become one of the most digital-forward car insurers around. If you’re the less-traditional type who prefers...
17 May 2021
NTUC Car Insurance Review
Car Insurance
NTUC Income Car Insurance Singapore Review 2021
NTUC Income is a brand that needs no introduction in Singapore. Naturally, it has the lion’s share of the car insurance market, especially among local drivers.  So NTUC car insurance...
17 May 2021
Direct Asia Car Insurance Review
Car Insurance
DirectAsia Car Insurance Singapore Review 2021
DirectAsia is among the younger entrants  in Singapore’s car insurance scene. While it is not a household name like NTUC or AXA, it has been gaining market share because of...
17 May 2021
EZ-Link Card Singapore Guide: 7 Nifty Features You Probably Didn’t Know About
Transportation
EZ-Link Card Singapore Guide: 7 Nifty Features You Probably Didn’t Know About
EZ-Link is just like GST. We don’t know how it works exactly, but it’s always there, slowly but surely chipping away our hard-earned money in small, painless increments. It’s time...
15 April 2021
What were you doing this time of the year, last year? Screaming at the kids at Tokyo Disneyland? Relaxing at the beach in Bali? Or... snapping up 2018’s Astrea IV bonds like there was no tomorrow? (Which there was.) If you answered the latter, you probably don’t need to read this article because you very likely have already bought yourself some Astrea V Bonds when they went on sale at 9am today. It’s the highly anticipated follow-up to the breakthrough Astrea IV, and features much of the original’s merits. For those of you reading this with a blank look on your face, here’s a primer to get you up to speed on the new Astrea V Bonds from Temasek Holdings’ subsidiary, Azalea Asset Management.
Invest
Astrea VI Bond — What You Should Know About this Private Equity Bond
Not unlike a Marvel Cinematic Universe franchise, Astrea bonds are a near-annual affair and almost guaranteed to be a hit among investors in Singapore. In 2018, Singaporeans snapped up Astrea IV bonds like...
15 March 2021
apple watch singapore price
Shopping
Apple Watch Singapore Price Guide — SE vs Series 6 vs Series 3
Checking your blood oxygen level and even notifying if you have an irregular heart rate — is there anything the Apple Watch Series 6 can’t do? But at $600 to...
19 February 2021
cheap bicycle shop singapore
Fitness & Beauty
5 Best Bicycle Shops in Singapore for Cheap Bikes Under $700
Maybe you’re looking for a cheap bicycle for your commute. Or maybe you’re trying to get in shape without having to pay $250 a month for a gym membership.  Whatever...
8 February 2021
POSB Everyday Card – MoneySmart Review 2022
Credit Cards
POSB Everyday Card – MoneySmart Review 2022
The POSB Everyday Card looks like a plain ol’ auntie card, but don’t be fooled by its ho hum exterior. It’s actually one of the best cashback credit cards for...
7 February 2021
Singapore REITs (2018) – MoneySmart Guide to Investing in REITs
Invest
REITs in Singapore — MoneySmart Guide to Investing in REITs
Investing in real estate is part of the Singapore Dream. Own property, become a landlord, enjoy a consistent stream of rental income until the end of your days. … I...
17 January 2021
HealthIns_SG_masthead
Health Insurance
Health Insurance in Singapore — Everything You Need to Know to Survive
Intimidated by all the acronyms, government schemes and ridiculous jargon surrounding health insurance in Singapore? Yeah, us too. That’s why we did the research to give you a crash course...
16 December 2020