Invest

Long-term investing is key to beating inflation. No need to fear - you can build wealth and receive passive income without angst.

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Monetary Authority of Singapore

Notice: MoneyOwl is winding down its financial advisory business and all commercial activities will cease by December 31, 2023. For more information, please visit our microsite here.

MoneyOwl’s acquisition by Temasek Trust is now complete. Stay tuned—an exciting new website is coming your way soon!

Our Investment Philosophy

Investment supports our financial plan and life goals.
It is not an end in itself.

We invest to beat inflation, afford a home, send our kids to university and to retire comfortably.

Because of this, we prioritise sufficiency of return and reliability of return. Rather than maximisation of returns or risk-adjusted returns.

Why Invest?

Provide Options
for Life

Investing empowers you to live purposefully and support your loved ones. It opens doors to achieving your goals, whether it's buying a house, travelling the world, or sending your kids to university.

Build Wealth​


Investing is a low-cost and effective way to grow your wealth.

Beat Inflation


Inflation reduces your purchasing power over time. Simple investing can provide steady growth, helping your money keep pace with rising prices.

Retire More Comfortably

Investments can supplement your CPF LIFE payouts, providing additional income. A strategic de-cumulation plan helps maximise your income in later years.

Our Approach to Investing

Our investment approach prioritises the need for sufficient returns when you need them, without trying to time the market.

We focus on strategies that have proven to be reliable for generating consistent returns.

Rather than adjusting asset allocations based on short-term data, which is not a reliable approach, we believe in staying disciplined and invested to capture long-term market returns.

Successful investing is not about maximising returns but about achieving the best probability of meeting financial goals with minimal guesswork and stress.

Investment Solutions

Explore the portfolio options that best suit your investment goals.

Dimensional

Enjoy long-term capital growth by harnessing the power of markets through evidence-based portfolios.

WiseSaver

Park your spare cash in a savings fund that offers a higher interest rate than fixed deposits, offering liquidity with no lock-in period.

WiseIncome

Receive a stream of passive income for the long term, with potential capital appreciation.

Invest With CPF, Cash or SRS

Learn more about the investment methods you can take advantage of with MoneyOwl.

Invest With CPF

Use a portion of your Ordinary Account funds to generate extra income for your retirement.

Invest With Cash

Make the best of your extra cash with carefully selected portfolios that yield reliable returns.

Invest With SRS

Save on tax and fortify your retirement savings by making investments with the money in your Supplementary Retirement Scheme (SRS) account.

Key Investing Principles

Be Globally Diversified​

Do not take country, sector or firm-specific risks​.

Go for Market-based Return

Use passive indexed funds or similar. It is hard to consistently beat the markets through active management.

Keep Expenses Low

The difference compounds big time, over time.

Stay Invested for the Long Term

Avoid timing the market. Instead, remain invested in a portfolio tailored to your return objectives, time horizon, and risk tolerance.

Joint Investment Account

Give your child or loved ones the gift of financial security by opening a joint investment account with them.

A joint investment account can be opened for any of MoneyOwl’s investment products (excluding SRS, CPF monies) with a minor (under 18 years old) or an adult.

Read our joint account FAQs here.

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Recommended Next Steps

Ready to invest? Take the leap today! If you have more questions about investing, browse through our FAQs or leave us an enquiry below.

Empower Your Future With Wise Investments

Enjoy reliable returns that will help you meet your financial goals.

View FAQs

Explore the answers to commonly-asked questions.

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