Hi ,

Auntie May is a homemaker in her 50s. She doesn't earn a salary, but like many of us, she still has monthly bills like WiFi, phone, and utilities that need paying.

Earlier this year, her fixed deposit matured, and she asked me a simple question:

"Is there a way my savings can give me something back every month?"

She didn't want to risk her money. But at the same time, putting it back in the bank or buying government bonds was only giving about 2% is barely enough to keep up with rising costs.

What we did instead

I helped her move her money into something that:

• Pays her every month (not once a year)
• Gives around 4.5% yearly returns
• Doesn't lock up her money at all
• Is much safer than buying individual stocks

Now her savings quietly cover her monthly phone and electricity bills without her touching her emergency fund or asking her children for help.

How it actually works (in simple terms)

This isn't about buying risky stocks or complicated investments.

Her money is simply lent out to big, established companies through something called bonds. Think of it like the company borrowing money and giving you an IOU.

Just like how banks lend out your savings, these companies pay interest for borrowing the money.

That interest gets collected and paid to her every month like getting a small "salary" from her savings account.

Because interest rates in the U.S still stays high, it's been paying much better than traditional fixed deposits or Singapore government savings bonds.

Could this help you too?

This might be worth exploring if you have

• A fixed deposit expiring soon
• Cash sitting in low-interest savings accounts
• Retirement funds that need to work harder
• Or you're simply tired of your money barely keeping up with inflation

Ten of my other clients are now using their monthly payments to cover their conservancy fees and grocery bills. It's not life-changing money, but it takes some pressure off their monthly budgets.

Next step (completely no pressure)

If you're curious how this works for your situation, just reply "Tell me more" and I'll explain it in plain English over a quick 15-minute call.

There's absolutely no obligation to invest anything. Sometimes it's not suitable, and that's perfectly fine too.

Always here to help!

Warm regards,

Zest Chia

Executive Wealth Consultant | Associate Estate Planning Practitioner |

Licensed General Insurance Advisory

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