Arigato, {{ first name | dear investor }},
If your friend tells you not to buy an Investment-linked Plan (ILP), you might ignore them… After all, what do they know?
But what if the founder and CEO of one of Singapore's largest personal finance companies told you the same thing?
That got my attention.
Tonight at 9 PM, I'm releasing an exclusive podcast interview with Vinod Nair, founder and CEO of MoneySmart.
Over the years, MoneySmart has helped millions of Singaporeans compare and choose financial products—from credit cards and loans to insurance plans and investment products.
So I was curious.
What does someone who has spent years studying the financial industry actually think about money and investing?

What financial products does he avoid?
And what lessons has he learned from building one of Singapore's most successful fintech companies?
In this conversation, Vinod shares:
💡 Why the financial system is rigged against you
💡 His personal investing philosophy
💡 The biggest money mistakes people make
💡 How he thinks about insurance and wealth building
💡 The habits and mindset that contributed to his success
One of my favourite parts of the interview was seeing how someone who has access to almost every financial product imaginable still keeps his approach to investing remarkably simple.
Sometimes, building wealth isn't about finding the next hot investment.
It's about avoiding expensive mistakes and focusing on the things that actually move the needle.
Whether you're new to investing or already managing a sizeable portfolio, I believe you'll walk away with at least one idea that could change how you think about money.
I have a feeling this episode is going to spark some very interesting conversations.
See you tonight 9pm!
Meanwhile, check out this 👇
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Arigato!
Chloe
Arigato Investor
Just a quick heads-up 🌸 Except for Instagram, where I may reply if you comment on my posts, I’ll never initiate a private message to you on any platform. So if you ever get a DM from someone claiming to be “Chloe” or “The Arigato Investor” on Telegram or TikTok — please know that’s not me. It’s a scammer impersonating my account. Stay safe and always double-check 💛
The information provided in this newsletter is for informational purposes only and does not constitute financial advice. Readers should seek their own independent financial advice before making any investment decisions. Please note that the opinions expressed in this newsletter are Chloe's own and do not represent the views of any organization. Always perform your own research and due diligence before investing. 💛



