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During a period of unusually high withdrawal requests, Chocolate Finance has temporarily paused its instant withdrawal services. We want to reassure our customers that Chocolate Finance remains a strong and stable place for your spare cash, and we are here for the long run.  Read our press statement
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Kang Yen Joon

Kang Yen Joon is dedicated to helping others avoid the financial pitfalls he once faced due to a lack of financial literacy.
Now, as a prolific writer on personal finance, he publishes posts weekly (or at least tries to) to help readers manage their money better. Kang Yen Joon writes for platforms like Singsaver, offering insights on topics such as "How To Make Investing Interesting (And Work For You)" and "Personal Finance Planning 2024: 7 Financial Things To Do This Year." His goal is to empower others with the knowledge and tools needed to achieve financial stability and success.
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Articles by
Kang Yen Joon

The psychology of money: How our attitudes and beliefs affect our financial behavior

January 2, 2025
Managing money might seem straightforward - just numbers and spreadsheets. But our financial decisions are deeply influenced by psychology, shaped by experiences, emotions, and cultural norms. Whether it’s your spending habits or investment strategies, your mindset plays a bigger role than you might think.
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Photo of Chocolate Finance's App in a mobile phone where customers can see their daily returns on their savings.
3.3% p.a. return
On your first S$20k.
3% p.a. return
On your next S$30k.
Target 3% 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 3.3% p.a. return on the first S$20k and 3% 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. 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.
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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.