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Joanne Poh

Joanne Poh is a highly accomplished writer with over a decade of experience in insurance, finance, real estate, fintech, and travel.
Her passion for empowering individuals with financial knowledge is evident in her extensive body of work, which has been featured on prominent platforms such as Moneysmart, Yahoo!, MSN, AsiaOne, and herworldPLUS. With a keen understanding of the intricacies of personal finance, Joanne specialises in translating complex financial concepts into easily digestible content. Whether she's dissecting the nuances of regular savings plans, highlighting the best savings accounts in Singapore with no minimum balance, exploring strategies for earning passive income or offering straightforward tips to kickstart a savings journey, Joanne's writing resonates with a diverse audience seeking practical financial advice. Joanne's commitment to providing valuable insights and actionable tips has earned her a reputation as a trusted voice in personal finance. Her articles not only inform but also inspire readers to take control of their financial well-being, setting them on the path to long-term financial success.
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Articles by
Joanne Poh

The importance of emergency funds: How to build and maintain a safety net

September 26, 2024
At Chocolate Finance, we understand the critical role of emergency funds in securing your financial future. To provide you with expert insights on this topic, we interviewed Joanne Poh, a renowned finance writer and expert. In this interview, she shares invaluable tips and strategies for building and maintaining an emergency fund. Whether you're just starting to save or looking to strengthen your existing financial safety net.
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Photo of Chocolate Finance's App in a mobile phone where customers can see their daily returns on their savings.
3.6% p.a. return
On your first S$20k.
3.2% p.a. return
On your next S$30k.
Target 3.2% p.a.
On amounts thereafter.
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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. The 3.6% p.a. return on the first S$20k and 3.2% p.a. return on the next S$30k 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.

This website was prepared without regard to your specific investment objectives, financial situation, accounting or tax needs and does not constitute advice. Before applying, you should consider carefully whether the product/service is suitable for you. This advertisement has not been reviewed by the Monetary Authority of Singapore.

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.