Saturday, December 21, 2024

Fixed Deposit interest rates of Singapore major banks 2024-12-19

定存总额跌7％减息步伐放慢但定存利率料再降

吕爱丽

发布/10 小时前

2024-12-20

MoneyOwl研究与规划组长黄锐洲指出，由于美国通胀、美国政治和地缘政治风险的影响存在不确定性，很难准确预测利率的变化。本地投资者如果担心汇率风险，相较于外币定存，以新元计价的存款，能提供更好的风险保护。（档案照片）

银行定期存款依然是人们青睐的投资工具。2024年下半年进入减息周期，新加坡的定存总额虽逐月递减，依旧稳定维持在每月4000亿元以上。2025年美国联邦储备局将放慢减息步伐，市场人士认为，本地定存利率将维持下降，但相较于其他低风险投资产品，定存依然有吸引力。

根据新加坡金融管理局网站的最新数据，截至今年10月，本地居民的定存总额为4240亿元，比前一个月增加0.87％。

在这之前，本地定存总额连续四个月减少，减幅介于0.2％至1.2％，变化不大。自2023年1月突破4000亿元以来，本地定存总额，一直维持在这个水平以上。

两年来定存总额最高峰为4566亿元

如果与去年12月的4194亿元相比，本地定存款增加了大约1.1％，但较两年来的最高峰4566亿元减少了7.1％。

为了抑制通货膨胀，美联储于2022年3月至2023年7月，加息11次、共525个基点。在这段期间，本地定存总额从2446亿元左右，不断增加至大约4405亿元，增幅达80％。

延伸阅读

降息周期开启分析师：本地银行定存利率将缓慢下降

本地银行定存利率“倒挂” 不再是存越久越高息

美联储的货币政策直接影响新加坡利率。在利率上升时，本地和外资银行都纷纷提出优惠的定存利率，吸引存款。

到了今年9月，美联储开始减息，四个月内共减100个基点。

定存利率从年初的4％滑落至3％以下

投资者教育平台Beansprout总裁黄杰伦接受《联合早报》采访时说：“由于美联储减息，所有银行已经下调定存利率。今年初，市场上最高的12个月定存利率有4％左右。接近年底时，已经滑落到3％以下。”

目前如果还有银行提供3％以上的定存优惠利率，都仅限三个月和六个月，而且最低存款额要10万元。

根据美联储于星期三（12月18日）公布的最新预测，2025年预计减息50个基点，比9月份预测的100个基点，大幅收窄。这意味着，美联储明年可能只减息两次，而非先前预期的四次。

担心特朗普政府明年初上任后带来的政策变化将造成通胀升温，影响美联储减息，部份投资者如今预测美联储2025年可能只减息一次。

黄杰伦说：“尽管美联储的减息步伐不明朗，利率还是会下降。在这样的情况下，新加坡来年的定存利率也会下降。希望把现金存放在安全之处的投资者来说，定存依然是一个有吸引力的选择，因为某些银行还是会提供高于国库券（T-bill）收益率的定存利率。”　

如果要赚取更高的收益率，黄杰伦建议，投资者可以考虑企业债券、债券基金、房地产投资信托（REIT）或稳定派息的股票，但这些投资工具的风险比定存高。

财经专家：投资者应保留一定额度流动资金

MoneyOwl研究与规划组长黄锐洲受访时提醒，在进行回报率较高的投资时，会有额外风险，建议投资者为防不时之需，保留一定额度的流动资金。MoneyOwl是淡马锡信托基金会（Temasek Trust）旗下的财务顾问公司。

黄锐洲指出，由于美国通胀、美国政治和地缘政治风险的影响存在不确定性，很难准确预测利率的变化。本地投资者如果担心汇率风险，相较于外币定存，以新元计价的存款，能提供更好的风险保护。

黄锐洲另外指出，部份投资者被承诺提供较高收益率的现金管理户头（cash management account）吸引，这些户头大多投资货币市场基金，有的也投资短期债券基金。

黄锐洲说：“这些投资工具的风险虽然较低，但与传统存款不同，它们没有新加坡存款保险公司（SDIC）承保，因此存在一定的信用风险。天下没有免费的午餐，承诺更高回报，投资者也要承担更大的风险。”

存款减息美国联邦储备局新加坡金融管理局

日本央行鸽派立场致日元下跌分析师：日元或继续走软　

亚太股市集体下滑海指跌1.14％

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askST: Induction or gas hob? Debate heats up over which one is better for your home

An induction stove (left) uses electromagnetic fields to directly heat cookware. The gas stove (right) is powered by gas and uses fire to heat or cook food.PHOTOS: PEXELS

Vihanya Rakshika

PUBLISHED Dec 20, 2024, 09:00 AM

SINGAPORE - When fitting out a dream kitchen, one question likely to arise these days is over the type of stove top homeowners opt for: gas or hob.

For decades, there was no question that gas burners provided a quick, reliable, cost-effective and safe cooking option for kitchens all over the world.

But a sizzling debate fuelled by sustainability and health concerns has raised questions about whether it is time to replace gas burners with induction hobs.

In Britain, the Oxford City Council plans to prohibit gas hobs and boilers in new homes starting in 2025. This initiative is part of a broader goal for all new homes and buildings in Oxford to achieve net-zero carbon construction by the same year.

In the Australian state of Victoria, however, the plan to phase out gas stoves in new homes was scrapped after public backlash and concerns over electricity grid reliability and costs.

In Singapore, the push for sustainability and efficient urban living have raised similar questions.

A June 2024 report by the Energy Market Authority (EMA) said induction stoves are slowly becoming more popular due to their efficiency, safety, and likely environmental benefits.

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gas, stove, fire — A gas hob is a kitchen appliance with burners powered by gas, typically used for cooking and installed on a countertop.PHOTO ILLUSTRATION: PIXABAY

But culinary traditions in Asian cities like Singapore rely heavily on high-heat techniques like wok cooking, which means the choice between gas and induction stoves is not a clear-cut one.

Which stove is better for the environment, and why?

Dr Rob Jackson, chair of the Global Carbon Project and a professor of earth science at Stanford University, said induction stoves are the environmentally superior choice.

He told The Straits Times that induction hobs, unlike gas stoves, do not emit nitrogen dioxide or carbon monoxide - pollutants that contribute to indoor air pollution and respiratory issues.

Professor Rajasekhar Balasubramanian, Provost’s Chair Professor at the National University of Singapore’s Department of Civil and Environmental Engineering, said induction stoves operate with 80 per cent efficiency, compared with the heat-wasting nature of gas stoves, which lose much of their energy to the surroundings.

Can induction cookers handle the demands of Asian cooking?

In Singapore, the kind of Asian cooking that is popular often requires high-intensity heat and specific cooking techniques, such as that which achieves the elusive “wok hei” - a smoky, charred flavour iconic to stir-fried dishes.

Chef K.K. Kong, vice-president of the Singapore Chefs’ Association and executive chef at Sentosa Golf Club, said cooks can prepare dishes like thosai, roti prata or Chinese carrot cake effectively with induction stoves, but replicating cooking techniques to achieve, for instance the “wok hei” flavour, remains a challenge.

He said: “Induction can achieve flavours close to it, but not the same.”

However, high-power induction cookers on the market are increasingly capable of adapting to Asian cooking needs, especially for home use, Mr Kong says.

Induction surfaces, with their even heat distribution and quick heating, are especially helpful in achieving crispy textures.

kitchen, cook, pot — An induction stove is a cooking appliance that uses electromagnetic fields to directly heat cookware, offering energy efficiency and precise temperature control.PHOTO ILLUSTRATION: PIXABAY

Is there a difference in taste when using induction stoves versus gas stoves?

Chef Kong highlights a distinct difference in taste between the two. “Gas stoves deliver a real ‘wok hei’ and smoky aroma at high heat, akin to searing meat over charcoal.” While induction cooking excels in precision and consistency, it lacks the depth of flavour that gas stoves can achieve during high-heat stir-frying.

What about costs?

Induction stoves come with a steeper upfront price tag, including the need for compatible cookware. However, their energy efficiency leads to long-term savings.

The National Environment Agency reports that switching to induction could save households about $103 a year on utility bills.

A report on the interior design and renovation portal Qanvast said gas stoves are usually more affordable, with installation prices ranging from $200 to $1,000. Induction stoves, on the other hand, can cost anywhere from $500 to $5,000, depending on the model.

The report added that gas stoves are also compatible with a wide range of cookware, including round woks and materials like aluminium and glass, which means there is no need to invest in special cookware. However, induction stoves require cookware made from magnetic materials like steel or iron.

Are induction stoves safer and healthier for high-rise living?

In Singapore’s high-density urban environment, ventilation can be a challenge. Dr Jackson said gas stoves emit pollutants like nitrogen dioxide and benzene, which can accumulate indoors, affecting air quality not just in the user’s apartment but throughout an entire building. He added that it is similar to “standing over a car’s tailpipe”. In contrast, induction stoves do not emit pollutants, making them a healthier option for urban living.

What are the barriers to adopting induction stoves?

Retrofitting older homes with the necessary electrical infrastructure can be costly. Prof Balasubramanian said induction cookers are more expensive upfront but compensate through their long-term energy efficiency, and help cut utility bills that using a gas stove would otherwise rack up over time. He added that economic incentives or subsidies can encourage more Singaporeans to make the switch.

Could Singapore’s sustainability goals influence the gas versus induction debate?

Dr Jackson said Singapore’s push for sustainability could make induction stoves a centrepiece of future policies.

However, as more households switch to induction hobs, electricity demand will rise, and likely put a strain on the grid.

Prof Balasubramanian said one way to soften the impact of higher consumption is to integrate more renewable energy into Singapore’s power generation mix.

So, the verdict on whether to use a gas burner or induction hob boils down to making a personal and policy choice.

Both gas and induction stoves have their strengths. For traditionalists, gas offers unmatched flavour for specific dishes. For modern kitchens, induction wins with efficiency, safety, and precision. As Singaporeans weigh their options, the choice is not just about cooking - it is about sustainability, health, and adapting to the evolving culinary landscape.

Saturday, December 21, 2024

定存总额跌7％ 减息步伐放慢但定存利率料再降

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Friday, December 20, 2024

askST: Induction or gas hob? Debate heats up over which one is better for your home

Which stove is better for the environment, and why?

Can induction cookers handle the demands of Asian cooking?

Is there a difference in taste when using induction stoves versus gas stoves?

What about costs?

Are induction stoves safer and healthier for high-rise living?

What are the barriers to adopting induction stoves?

Could Singapore’s sustainability goals influence the gas versus induction debate?

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定存总额跌7％减息步伐放慢但定存利率料再降

大道工业私有化接近完成已失去自由流通股比例

邀喝酒不领情爆冲突悍女拿椅砸阿叔

叶子楣槟城投资榴梿主题酒店梁志强当创意总监

网络钓鱼再出新招警方促公众警惕

脚踏车横摆大马路恶作剧行为险酿车祸