Tim Phillips

Tim Phillips is the Founder and CEO of Inkcome, a boutique content agency that partners with financial institutions to craft engaging, compliant, and impactful financial content. With over a decade of experience in the finance industry—including tenures at Schroders and The Motley Fool—Tim brings deep expertise in Asian markets, long-term investing, and retail investor education.

Beyond his leadership role at Inkcome, Tim is a personal finance content creator known as @TimTalksMoney on TikTok and Instagram, where he shares bite-sized, relatable videos that demystify complex financial topics. His engaging style and commitment to education have earned him a loyal following of aspiring investors and young professionals seeking to build wealth through smart money choices.

As a sought-after public speaker, Tim has delivered insights across prominent platforms including MoneyFM 89.3, Channel NewsAsia, SGX Academy, Lianhe Zaobao, Seedly, and The Financial Coconut podcast. Whether in front of the camera or a live audience, Tim is passionate about making finance approachable, actionable, and fun.

Tim’s core mission is to empower individuals to take control of their financial futures—whether through strategic content development, financial education, or public advocacy. His unique combination of institutional knowledge, media savvy, and content strategy makes him a trusted authority in the space of financial communications and education.

Articles by
Tim Phillips

CPF Special account closure: what are the options for investors?

September 18, 2025

Ok, so you’ve hit the big 5-5 and you might not be raring to retire just yet. In fact, given Singapore’s retirement age of 63, you’ve still got a solid 8 years of work (and income) ahead of you. However, on 19 January 2025, the Singapore Government decided to close the CPF Special Account (CPF SA) for anyone aged 55 and above. This will also apply to anyone turning 55 in future. Some people may be a bit peeved at this change but it does also open up some avenues for investors. First, let’s cover the basics, though. What happens to those funds in your CPF SA once you hit 55? They go into a newly-created Retirement Account (RA) and all CPF SA funds will then be transferred there to meet the Full Retirement Sum (FRS) for that year – for reference, in 2025 the FRS is S$213,000.

What is a Singapore Treasury Bill (T-Bill)?

September 19, 2025

In Singapore, idle cash represents one of the biggest untapped opportunities in the local market. In this Choc Bites series, we’ll help you understand the different types of savings and investment products available — so you can make your money work smarter for you. When it comes to managing excess cash, we can’t just leave it lying around without a plan — we want something that’s low risk but still earns a return. T-Bills are short term investment instruments, typically maturing within six months to one year, making them suitable for investors seeking safety and liquidity.

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Chocolate Finance is a brand of Chocfin Pte Ltd (UEN 202347190R). Chocfin Pte Ltd is licensed and regulated by the Monetary Authority of Singapore (CMS101452) to perform fund management activities. Chocolate’s returns are subject to change based on market conditions, with Chocolate top-up support offered as an incentive during the Qualifying Period, and it does not constitute a guarantee of return or capital. Returns are calculated on a compounded basis. Terms and conditions apply.

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All views expressed are opinions of Chocolate Finance and are subject to change based on market and other conditions without notice or obligation. These opinions are not intended to be a forecast of future events, a guarantee of future results or investment advice. The mention of any individual securities should neither constitute nor be construed as a recommendation to purchase or sell investments, and the information provided regarding such individual investments is not intended to be used to form any basis upon which an investment decision is to be made. Any statistics have been obtained from sources Chocolate Finance believed to be reliable but the accuracy and completeness of the information cannot be guaranteed. All investments involve risk, including the risk of losing all of the invested amount. Such activities may not be suitable for everyone. Past performance is not indicative of future results.

Tim Phillips

Articles by Tim Phillips

CPF Special account closure: what are the options for investors?

What is a Singapore Treasury Bill (T-Bill)?

Download the app and sign up now.

It only takes a few minutes.

Articles by
Tim Phillips