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Leveraging a Diversity of Perspectives on Rising Rates


An unusual rebound may provide opportunities even as rates rise.
Key Insights:
T. Rowe Price investment professionals have varying views on the recent increase in Treasury yields but expect an atypical economic rebound later in 2021.
We highlight viewpoints related to inflation protected securities, the Treasury yield curve, dividend-paying stocks, emerging markets, and the Federal Reserve.
We believe that our diversity of views on the implications of rising rates can give our investment professionals an advantage in this unusual environment.
 
Just as the sudden shutdown of much of the global economy at the onset of the coronavirus pandemic in 2020 was unprecedented, the expected recovery in 2021 is likely to be unique. Developed market central banks seem determined to maintain their extremely accommodative monetary policies, and fiscal stimulus in many countries as evidenced most recently by the USD 1.9 trillion spending package in the U.S. should make ....

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CPF Special Account (SA) Shielding: How you can perform this retirement 'cheat code'


April 15, 2021
Pixabay
If you’re living in Singapore, the planning of your finances and your retirement cannot exclude your CPF. From the day you start working, you’ll be contributing to your CPF Ordinary Account (OA), CPF Special Account (SA) and your MediSave Account (MA).
With all that money set aside over the years, you’ll have to start making plans to capitalise on your CPF savings when retirement comes knocking. 
But in this article, let’s zoom in on one plan-making in particular – a retirement ‘cheat code’, if you will – CPF SA Shielding. It is a term originally coined from this article back in 2019, highlighting how one can maximise your CPF accounts for retirement.  ....

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5 ways to optimise & become a CPF millionaire (1M65)


Benefits of MediSave Account top up
If you have not yet hit the BHS, doing a voluntary cash top up to your MediSave Account provides two benefits:
Benefit 1: Enjoy a risk-free 4 per cent p.a. interest rate on your MA savings
Benefit 2: Income tax relief at your marginal tax rate (see below table)
Do note that for the income tax relief, your chargeable income is reduced by the amount you topped up. For instance, if you earned $60K a year and you topped up $5K, your tax savings will be equal $5K x 7 per cent.
Maximum limit for MediSave Account top up ....

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