Clara Lim – Freelance Writer in Singapore

About Me

Hello! I'm Clara Lim, a freelance writer in Singapore specialising in: 

  • finance
  • investing
  • business
  • property
  • fintech
  • SEO writing

      Before going freelance, I worked full-time for 9 years in companies like MoneySmart, Singapore Press Holdings, the New York Times and more.

      With a knack for simplifying complex topics into jargon-free guides, my greatest satisfaction comes from helping users make informed decisions through my work. 

      Interested in working with me? Scroll down to Contact Me and drop me a line there. Thank you!

      Latest Articles

      Helping crypto native companies navigate through turbulent waters

      “If trailblazing was easy, the road would be paved,” goes the saying. It certainly rings true for many companies and communities in the cryptocurrency space, or crypto natives for short. While no crypto native would want to give up their position as early adopters of digital assets, being ahead of the curve also has its challenges, especially when you come up against the limits of existing infrastructure.

      Crypto loans: having your cake and eating it too?

      As a burgeoning digital asset class, cryptocurrencies attract a colourful cast of investors. These include those who dabble for fear of missing out, traders looking to flip tokens for short-term gains, as well as “ ” who buy as much as possible and sit on it long-term. For investors who plan to hold (or rather, ) their Bitcoin holdings for the long haul, the key challenge is probably the lack of immediate benefit.

      How a Debt Consolidation Plan Could Get You Out of Debt Faster

      In Singapore, debt is pretty much an unavoidable fact of adulthood. After all, most of us have to take loans to pay for big-ticket things like housing, cars or university education. The types of debt mentioned above are socially acceptable and aren’t thought of as shameful. But when it comes to “bad debt” such as outstanding credit card balances or personal loans, it’s a different story. Most people with “bad debt” would rather not think about it — let alone talk about it.

      How professional investors can find yield in the fast-growing crypto ecosystem

      This article was also published on . Thanks to growing acceptance of Bitcoin and other cryptocurrencies in the mainstream, professional investors are by now fully cognisant of the upsides of investing in crypto. Meanwhile, institutional grade investment products such as the Fintonia Bitcoin Physical Fund have made cryptocurrency safer and more efficient than ever before. No wonder we’re seeing an unprecedented number of professional investors buying into the crypto space.

      Semiconductors & Cybersecurity: Why Investing in These 2 Industries Could Help Your Portfolio Achieve High Growth -

      Some people’s daydreams involve condo penthouses, flashy cars, and an enviable collection of Bored Ape Yacht Club NFTs. Mine, on the other hand, consist of spotting and investing in market trends right before they take off. Hey, don’t laugh. Don’t we all wish we had snapped up vaccine stocks before Pfizer and Moderna “made a killing” from vaccine sales last year? Or invested heavily in e-commerce companies before the toilet paper and office chair gold rush of 2020?

      Considering buying Bitcoin directly? 5 hidden costs to be aware of

      While cryptocurrency exchanges once occupied the “Wild West of the internet , they have in recent years been moving into the mainstream. For example, in 2021, the Monetary Authority of Singapore to four players in the crypto space under the Payment Services Act. With these developments in mind, some investors are considering buying Bitcoin (or other cryptocurrencies) directly on an exchange rather than through . But is buying Bitcoin on an exchange all that straightforward? Unfortunately, no.

      Thematic Investing: What Is It & How to Get Started? -

      If you’re a regular investor, you might have come across things like “thematic investing”, “thematic funds” or “thematic ETFs” on your favourite online brokerage or robo advisor. This, um, theme seems to be everywhere on investment platforms these days. So what does it mean? Don’t worry, it’s not a technical term. Thematic investing is just an investing style where your decisions are guided by broad, long-term, global trends that may impact multiple industries or companies. Some examples are sustainability, robotics, and the post-pandemic world.

      The SPDR STI ETF & Other Top Funds to Consider Investing in Today

      As Singapore’s economy finally moves on and recovers from Covid-19 (fingers crossed!) it seems fitting to direct our attention to the SPDR STI ETF, or SPDR Straits Times Index ETF, which broadly tracks our country’s economy. Incidentally, the SPDR STI ETF also celebrates its 20th anniversary this year. It was originally introduced by global investment company State Street Global Advisors and first went live on 11 April 2002.

      The Future of Digital Currencies and What It Means for Singapore Businesses

      The idea of digital money isn’t new. Many Singaporeans already pay, receive and transfer money digitally via apps like GrabPay and banking services like PayNow. Some of us hardly bother to carry cash around anymore. But with cryptocurrencies like Bitcoin and Ethereum becoming a global phenomenon over the past two years, governments around the world are now considering how they might tap on the latest financial technology to take digital money to the next level.

      Conquering Your ‘Firsts’: How to Smash Your #GOALS in 2022, Finances Wise -

      This post was written in collaboration with DBS. While we are financially compensated by them, we nonetheless strive to maintain our editorial integrity and review products with the same objective lens. We are committed to providing the best information in order for you to make personal financial decisions with confidence. You can view our Editorial Guidelines here. Now that 2022 is here, there’s a feeling of fresh hope in the air. Maybe this is the year things will finally start feeling normal

      The 3 ‘R’s of Retirement to Help You Retire Right -

      This post was written in collaboration with MoneyOwl. While we are financially compensated by them, we nonetheless strive to maintain our editorial integrity and review products with the same objective lens. We are committed to providing the best information in order for you to make personal financial decisions with confidence. You can view our Editorial Guidelines here. When it comes to retirement, most of us seem to revert to a kind of magical thinking. On one hand, we eagerly anticipate the

      5 Ways the SPDR STI ETF Can Support Your Investment & Savings Goals

      As a reader of MoneySmart, you probably know the importance of saving and investing. That said, when it comes to investing, the choices can be overwhelming. Today, there are hundreds of investment vehicles and methods in Singapore, catering to all sorts of risk appetites and accessible on so many platforms. And with so many investment fads and promotions online, it can be hard to see the trees in the forest. So for 2022, let’s go back to basics and turn the spotlight on the SPDR STI ETF, or the SPDR Straits Times Index ETF (exchange traded fund).

      Refinancing soon? How to prep for interest rate hikes & check your credit score

      Between all this talk of GST hikes and wealth taxes, it seems like many Singaporeans have a lot of growing costs to be concerned about. But the most pertinent cost for property owners might just be interest rate hikes, which will affect anyone with a bank mortgage. If you’re currently servicing a bank home loan, you might need to refinance soon. Let us walk you through how to prepare for it.

      The pitfalls and challenges of investing in Bitcoin, and how to avoid them

      As the world’s largest, longest-standing, and most legitimate cryptocurrency, Bitcoin is here to stay . Thought leaders in the investment banking and private equity space, including and , agree and have been actively allocating to this new asset class. The question is, how should professional investors buy into this attractive institutional asset class? As you’ll see in this article, different pitfalls arise every step of the way, from buying to holding to selling to bequeathing Bitcoin.

      Wealth tax Singapore: How it could affect the property market

      There has been growing debate in different societal circles, including within the government, about the pros and cons of a wealth tax in Singapore. This isn’t unique to us, of course. In other countries such as the US, the UK, and China, wealth taxes have also become a hot button issue. With Covid-19 incurring unprecedented levels of public spending and exacerbating inequality in many counties, people are looking towards the ultra-wealthy to pay their dues.

      Entering the US Stock Market: What You Need to Know & How to Do It From Just US$1

      Most Singaporeans start investing by buying shares such as CapitaLand or DBS on the Singapore stock exchange. These SGX-listed blue chip stocks seem safe, tend to be stable, and can offer passive income in the form of dividends. However, as we become increasingly financially savvy, a lot “graduate” into investing in the US stock market. The US stock market is where mega-companies like Apple, Tesla and Google are listed, and can fast-track the growth of your investment portfolio compared to investing only locally.

      3 Drawbacks (Really!) of Having a 4K Android TV & the Best WiFi Coverage in Your ‘Hood

      They say that every cloud has a silver lining, but did you realise it works the other way around too? That’s right, even stellar things like having excellent WiFi coverage in your home (some say best in your ‘hood too) can have its bad points. But why??? It seems like an obviously good thing to have in the era of work-from-home — and Covid-friendly hobbies like gaming. Duh. What kind of downsides could there possibly be?!

      Cryptocurrency, money laundering and KYC: why are regulations important?

      Cryptocurrency has come a long way since the very first Bitcoin in the world was mined back in 2009. Almost 12 years on, it’s safe to say that cryptocurrency has well and truly emerged from the shadows and come into the mainstream. But with cryptocurrency’s widespread interest and adoption comes another issue: how do we ensure that this innovation begets more good than harm? That’s the sentiment underpinning the numerous regulatory frameworks that are just beginning to emerge.

      5 major challenges of running an F&B business in Singapore amid COVID-19

      Running a small-to-medium F&B business in Singapore is seldom easy, especially given the competitive landscape and high operating costs here. However, the COVID-19 pandemic has created unprecedented challenges that many local eateries and restaurants continue to grapple with, even today. Even as we approach the two-year ‘anniversary’ since COVID-19 hit our shores, the fight is far from over especially with the new variant Omicron threatening the way of life yet again.

      Property trends Singapore 2022: 5 market trend predictions

      Following a trend that began last year at the start of the Covid-19 pandemic, Singapore’s property market boomed all through 2021. According to Minister for National Development Desmond Lee, private housing prices rose by 9% since Q1 2020, while HDB resale flat prices rose by 15% in the same period. That’s a pretty strong showing considering that there is still no end in sight for Covid-19. (Like a bad movie series, it keeps churning out instalment after instalment…)
      Load More Articles

      Contact Me

      Like what you see? Want to know more about a specific project or sector? You can reach me at claralwj [at] or fill out the form below.

      Message successfully sent!

      This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.

      Subscribe to get my new articles by email