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From 1st December 2025, our returns will be updated to reflect market shifts. Enjoy 2% p.a. on your first S$20k, 1.8% p.a. on your next S$30k, and up to 1.8% p.a. for balances above S$50k, with extended Top-Up Programme support for the first S$50k! Show more

Kang Yen Joon

Kang Yen Joon is a passionate personal finance writer and educator who draws from his own financial journey to help others avoid common money pitfalls. Having experienced the consequences of poor financial literacy firsthand, Yen Joon is now committed to sharing actionable, relatable financial advice to empower readers to take control of their financial futures.

He is a regular contributor to platforms like SingSaver, where his articles explore diverse topics—from making investing approachable to setting realistic personal finance goals for the year ahead. Notable pieces include “How to make investing interesting (and work for you)” and “Personal finance planning 2024: 7 financial things to do this year”.

Yen Joon aims to publish new content weekly, offering his readers practical tips, personal insights, and up-to-date information on budgeting, investing, and financial planning. His voice resonates with a broad audience—especially those just starting their financial journeys—thanks to his transparent storytelling and grounded, research-informed approach.

Beyond writing, Kang Yen Joon participates in online finance forums, hosts digital workshops, and actively engages with readers on social media to spread financial literacy in an accessible and supportive way.

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The psychology of money: How our attitudes and beliefs affect our financial behavior

January 2, 2025
Managing money might seem straightforward - just numbers and spreadsheets. But our financial decisions are deeply influenced by psychology, shaped by experiences, emotions, and cultural norms. Whether it’s your spending habits or investment strategies, your mindset plays a bigger role than you might think. In this guest article, Kang Yen Joon explores how our beliefs about money influence financial behaviours and shares practical insights to help you make smarter choices.
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Photo of Chocolate Finance's App in a mobile phone where customers can see their daily returns on their savings.
3% p.a. return
On your first S$20k.
2.7% p.a. return
On your next S$30k.
Up to 2.7% p.a.
On amounts thereafter.
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