R. Sivanithy

R. Sivanithy is a former senior correspondent with The Business Times. He is currently an Associate Trainer with the Institute for Financial Literacy (IFL), the outreach arm of the Government’s financial education programme called MoneySense. IFL provides free and unbiased financial literacy education aimed at helping Singaporeans make sound financial decisions on their own. IFL’s courses are structured along four pillars for good financial health – Money Management, Insurance, Investing and Retirement Planning. MoneySense is administered by the Monetary Authority of Singapore and the Ministry of Manpower.

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A Senior’s Guide To Investing In REITs

In this senior's guide to investing in REITs, SilverStreak explores tips on how to screen REITs should interest rate movements make these financial instruments a worthwhile consideration.

Posted on: 11 Jul 2024·

Reviving SGX: Should GIC Invest CPF Funds Or Look At Lessons From Japan?

As the Singapore Exchange (SGX) grapples with criticisms that it is shrinking, experts are debating whether in order to revive SGX, sovereign wealth fund GIC should invest Central Providend Fund (CPF) monies in it. Others argue that there could be other ways to look at the issues including studying solutions from Japan.

Posted on: 25 Jun 2024·

Safe Investments For Seniors: Are SSBs or T-Bills really foolproof?

You’ve worked hard to build up your investment nest egg. How do you ensure that you continue to grow it by placing your money in safe investments for seniors?

Posted on: 3 Jun 2024·

How To Achieve Your Desired Retirement Income

How much will you need to live comfortably when you retire? Using your CPF as the basic foundation, SilverStreak gives you the safe and riskier options to decide how much to put away for retirement. [suggest: … decide how much to put away for your retirement income.]

Posted on: 8 May 2024·

How Do The Latest CPF Changes Affect Seniors Over 55?

The latest CPF changes about closing the Special Account for those aged 55 from 2025 has generated some unhappiness but brings the fund back to its original intent — for retirement planning.

Posted on: 2 Apr 2024·

On Ageing Athletes And Musicians: Better To Burn Out Than To Fade Away?

Athletes still plugging away at their sport long after their prime can make for difficult watching. When it comes to musicians, who have longer lifespans, would watching an octogenarian be as captivating as catching them in their youth? R Sivanithy asks if it’s better to fade away or burn out.

Posted on: 18 Mar 2024·

Happiness For An Investor Is An Interest Rate Cut

What will make investors happy? An interest rate cut! From bonds to REITs, R Sivanithy spells out the benefits and how to make the most of them.

Posted on: 5 Mar 2024·

Speculate On SPACs With Caution

Unlike the IPO route, SPACs are “blank-cheque” companies where shareholders take up shares in a SPAC IPO without knowing what business they will be getting into. It’s an investment area to tread very carefully in.

Posted on: 22 Feb 2024·

Active Or Passive ETFs…Which Is For You?

Are active exchange-traded funds (ETFs) something you should consider as part of your investment portfolio? R Sivanithy walks you through their pros and cons.

Posted on: 9 Jan 2024·

Choosing Between ILP And Participating Insurance Policies

Depending on your risk profile, you can choose between an investment-linked or a participating insurance policy. The risks are different and so too the involvement of the policyholder.

Posted on: 5 Dec 2023·

Making Sense of Financial Products

Keen to make more money to tide you through your silver years but bewildered by the array of financial products available? R Sivanithy explains their features and how they relate to each other.

Posted on: 7 Nov 2023·

Understanding CPF LIFE

If you are turning 65 soon, then you’ll probably be wondering about CPF LIFE, whether you are eligible, how it works, and which is the “best’’ plan for you. But which plan should you choose?

Posted on: 3 Oct 2023·

Estate Planning For Peace Of Mind

If you have been thinking about drawing up your estate plan, but aren’t too sure how to go about it, here are some useful pointers.

Posted on: 24 Aug 2023·

How Much Should You Invest As A Silver?

At different stages in your life, you have to adopt different approaches to investing. What strategy should you consider when you’re 50 versus when you’re 60 or 70? We walk you through your options.

Posted on: 7 Jun 2023·

Your Investment Toolkit To Keep You Going In Your Golden Years

For those looking at retirement down the road, how much would you require to live comfortably, and how far away are you from that target? Here are a few investment scenarios and possible strategies to consider.

Posted on: 18 May 2023·

Making The Most Of Your CPF

How can you make better use of your compulsory contributions to the Central Provident Fund (CPF)? Make more voluntary contributions to take advantage of the top-up options, while making compound interest grow your nest egg.

Posted on: 4 Apr 2023·

3 Ways To Manage Retirement During An Inflation

With retirement comes the worries about affordability. Will you have enough to keep you going when you stop working? Make use of your CPF and HDB to create your financial strategy.

Posted on: 3 Mar 2023·

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