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Getting Started

Financial tips for the new year: Wondering how you can plan for a more secure financial future? Get these financial tips from Lorna Tan, Head of Financial Planning Literacy at DBS Bank.

How to grow your money and make it work for you: Financial planning sounds scary, but really, it doesn’t have to be that intimidating. Here’s your quick guide to financial planning.

Budgeting discipline: To master your own life, start by honing your budgeting skills. It can help you stretch your hard-earned dollars so you can achieve your financial goals sooner.

Managing Debt

Understanding debt - types of loans, calculating interest spend: Thinking of taking up a loan? Educate yourself on the different types of loans to find the right one for your needs.

Getting out of the debt trap: Snowballing interest can cause debt to spiral out of control, leaving you in a debt trap. Read more to find out how you can get a leg up on debt.

How to use debt wisely as a financial tool: Debt can be a friend but it can also be a foe if you don’t use it wisely. Here’s a quick guide to keep that friendship with debt.

What is credit rating and how it impacts me: Did you know that your credit score determines the loan rates financial institutions provide you? Know how they grade you so that you can improve your credit score!

Save, Protect & Grow Wealth


Savings – Lifeline in emergencies, door to lifestyle choices: The general rule of thumb is to set aside 3 to 6 months of emergency funds. However, we all have different needs and lifestyles. Find out how you can apply this to your own unique situation.

Earning interest vs pressure of inflation: You probably know how inflation works. What used to cost S$1 ten years ago will cost you S$1.33 today. The question is, are you doing enough to grow your money while you save?


Why is insurance important in financial planning? Insurance plays an important role in financial planning, yet many of us tend to neglect it. Find out how you can plan for it.

Insurance needs for different life stages: The tricky thing about insurance is that it is never one-size-fits-all. If you are not sure about what type of insurance to purchase, it might be helpful to look at it from a life-stage perspective.

Guide to health insurance in Singapore: How can you tell the difference between the many types of health insurance available? This article will help you understand.

Growing Wealth

Taking the emotions out of investing: Are your decisions guided by facts, or are there psychological traps that you could be blind to? Here are eight traps and tips to counter this.

How to start investing: No matter your life stage, investing is an effective way to put your savings to work so that you can build or preserve your wealth. Here’s a simple introduction to get you started.

5 investment ideas for 2023: Take a look at some themes for retail investors to consider this year.

Achieving milestones


Buying a home in Singapore: Buying your first home is a milestone of adulthood in Singapore. How do you go about doing this? Here’s what you need to know to make your home-owning journey as smooth as possible.

The real costs of buying a house: The last thing you want in this exciting new chapter of your life is to be blindsided by unexpected costs. This article tallies up the potential costs of buying your first home so you can be prepared for what it’ll take.

Home loan matters: Should you opt for an HDB or bank loan? How much is the down payment? And what on earth are LTV, MSR and TDSR?! This article helps you tackle the home loan issue in a systematic manner.


Why still save for retirement during tough times:  It’s likely that many of us have put this on the backburner in favour of the current pressing needs. If planning for your retirement is not yet on your to-do list, or you’re starting to lose steam, here’s why we should still save for retirement despite tough times.

Think about your retirement in phases: One way to see how much you need to retire, is to look at it in terms of the lifestyle you have become accustomed to. Here’s how a time-segmented bucket strategy can help you retire well.

Give your retirement a head start: Retirement may seem far off when you are in your 20s and 30s. Still, it is prudent to start early. Find out how you can build a comprehensive plan for retirement to achieve your desired lifestyle.

Financial Planning Tools

DBS NAV Planner:

  • Easily see the big picture on all your finances, even if parts of it are not with DBS.
  • Take advantage of suitable opportunities and get easy-to-implement ways to save, protect and invest your money.
  • Make the most of different streams of money at different life phases and retire well.

Learn more

DBS NAV University:

  • Talks and seminars are held every month at almost all DBS and POSB branches or virtually.
  • All sessions are free so you can learn directly from DBS experts. No fees required.
  • Covers a wide range of topics to meet your different goals, challenges and dreams.

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  • Bringing you closer to your financial goals, FLY (Financial Literacy for You) is a collaboration between DBS and SGX to put financial education and resources at your fingertips.
  • Get exclusive access to interactive investment events and a treasury of materials to enrich your investment knowledge to help you along your investing journey.

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Financial Solutions

DBS Multiplier Account:

  • Multiply your money now with higher interest rates of up to 4.1% p.a. on savings up to S$100,000.
  • No minimum salary credit or spend.
  • Transact in more categories like credit card/ PayLah! retail spend, home loan instalments, insurance and investments to earn higher interest rates.

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DBS Invest-Saver:

  • Invest stress-free from as little as S$100.
  • Choose from digiPortfolio, Exchange Traded Funds, or Unit Trusts.
  • Leverage dollar-cost averaging to grow your money.
  • No securities trading account or CDP account required.

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  • Start a portfolio with just $100.
  • No lock-in period.
  • Leave it to the experts at DBS Investment Team to manage your portfolio.

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