Daryl Choo

Singapore

Journalist at TODAY (Singapore)

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Articles

ðŸ‘“ Insurance contracts are complicated. Here's how to interpret them

2 days ago | businesstimes.com.sg | Daryl Choo

[SINGAPORE] If you've ever bought life insurance, you'd know first-hand the volume of documents involved. Between the fine print and legal jargon, it's tempting to just skim through the material and sign. But understanding the policy you're buying is crucial. Miss something important, and you could end up paying for features you don't need - or worse, discover too late that you're not covered when it matters most.
How to invest through Trump's turbulent tariffs for a young investor

3 weeks ago | businesstimes.com.sg | Daryl Choo

[SINGAPORE] China and the United States have agreed to reduce reciprocal tariffs on each other for 90 days and commit to trade talks, a move that has calmed investors fearing a global slowdown. Knowing that, how should you invest differently? Buy stocks, they say ā but which ones? Stocks from practically every developed country will benefit. Or buy the US dollar, which investors have fled from since the tariffs? Perhaps sell gold, which investors have lately been turning to for safety?
A Gen Z's take on GE2025

1 month ago | businesstimes.com.sg | Daryl Choo

[SINGAPORE] Before candidate Alexis Dang could utter a single word at a Workersā Party (WP) rally, shouts of āchio buā (A crude Hokkien phrase meaning attractive woman) could be heard. Another candidate, Red Dot Unitedās Liyana Dhamirah, revealed she had been subjected to āracist and sexistā abuse online, prompting her to file a police report.
GE2025: First-time voter's checklist for Polling Day

1 month ago | businesstimes.com.sg | Daryl Choo

[SINGAPORE] Some 2.6 million Singaporeans will be voting in the upcoming General Election. Polls open from 8 am to 8 pm. To be eligible to vote, you must be: A Singaporean citizen, At least 21 years old (as of Feb 1, 2025), and Not disqualified from voting under any prevailing lawTo check if your name is on the voter rolls, visit this website or look under “My Profile” on the Singpass app.
Listen up, Gen Z: Investment-linked insurance plans or ILPs may not be your best option

2 months ago | businesstimes.com.sg | Daryl Choo

🏬 One-stop shopIn theory, investment-linked plans (ILPs) make sense. They offer financial protection in the event anything happens to you while helping you grow your money at the same time. In reality, I think they don’t do both of those things very well for two reasons. ILPs don’t give you the coverage you needThere are cheaper ways of investingI don’t know any friends of working age who haven’t been pitched an ILP in their lives.
đź”Ą Hot take: Forex trading isnâ€™t investing, itâ€™s speculation đźŽ˛

Feb 27, 2025 | businesstimes.com.sg | Daryl Choo

Find out more and sign up for thrive at bt.sg/thriveđź“š A classic taleAround 10 years ago, my sister was invited to a seminar that she was told would teach her how to invest. Instead, she was introduced to a forex trading bot that would supposedly all but guarantee profits if left to run for long enough. The bot ran on an algorithm that would trade on your behalf. All you had to do was deposit money into a trading account, and the bot would trade currencies automatically based on market signals.
📍 Where to invest your money in 2025

Feb 13, 2025 | businesstimes.com.sg | Daryl Choo

Find out more and sign up for thrive at bt.sg/thrive🧠 Decision paralysisI’ve been reading up on what experts have to say about investing in 2025, and they all share common themes: How will US President Donald Trump impact investments? How will China react? Will his tariffs bring back inflation? While these are great questions to ponder over, the reality is that for the vast majority of young investors like ourselves, the answer is quite straightforward – it doesn’t really matter.
đ§ How are you investing in yourself this year?

Jan 16, 2025 | businesstimes.com.sg | Daryl Choo

Find out more and sign up for thrive at bt.sg/thriveđ€č Learning a new skillThe reality of todayâs job market is that a diploma or degree doesnât guarantee stable employment. Case in point: Only 54.6 per cent of fresh polytechnic graduates in 2024 found full-time, permanent employment within six months of getting their diploma, latest results of the Graduate Employment Survey showed this week. The rest were either freelancing, in part-time or temporary employment, or unemployed.
Want work-life balance? You have to make sacrifices, say panellists at thrive dialogue on career

Dec 5, 2024 | businesstimes.com.sg | Daryl Choo

THE right balance between work and life differs for everyone, and no matter the choice, something will have to give, said panellists at a discussion on finding the right career on Thursday (Dec 5) – hosted by thrive, the young audience initiative of The Business Times. Love, Bonito boss Dione Song said that work-life balance was a dated concept, and instead, called for more work-life integration, despite the growing movement prioritising a separation between the two.
š³ What happens when you miss a credit card payment?

Nov 21, 2024 | businesstimes.com.sg | Daryl Choo

Find out more and sign up for thrive at bt.sg/thriveā” ShockerAt a media briefing by OCBC on the results of a survey of Singaporeansā financial habits on Nov 14, I came across this shocking statistic. Some 41 per cent of working adults in their twenties say they often pay only the minimum amount required for their credit card bills. Credit cards are one of the worst things to owe money on, with interest rates around 26 per cent in Singapore.