[No referrals] Chocolate Finance

[yslvlys]

You should all check your latest Monthly Statement e.g. June 2025 for the "Balancing item" amount at the end. This is how much Chocolate Finance has earned from your account (whatever the underlying funds are valued at less what Choc pays you). It's accumulative and increases every month.

For me, they have earned more than 1% of my average balance of around $20-22k that I held with them since July last year.

Compare that with the platform fees charged by Endowus, Syfe and FSM, which typically range 0.3 to 0.6%, and ask yourself if you are getting a good deal, versus DIY investing in the funds yourself.

The promised instant liquidity is gone, at the first signs of a bank run. Do you still think the "top up guarantee" will work when the underlying funds start losing money overall?

This has never happened yet since Cho started, but look at how their liquidity programme crumbled..

But isn't the key thing is what u can earn net of the fees? What is the rate u earned nett of what CF earned from you?

 

[badsector]

Amount 7k

21 jul 06:49am - request withdraw
21 jul 01:56pm - $$$ in bank

 

[ekardo]

Received email thanking my loyalty to CF. Haha.
Receiving a tumbler and Tiong bahru bakery voucher.
Nice gesture from CF

 

[AST781]

Received email thanking my loyalty to CF. Haha.
Receiving a tumbler and Tiong bahru bakery voucher.
Nice gesture from CF

Same here. Plus an extra 5 cents interest for them outperforming ahahahah

 

[alex22]

Received email thanking my loyalty to CF. Haha.
Receiving a tumbler and Tiong bahru bakery voucher.
Nice gesture from CF

Pumping in my half a mil nao!

 

[nasilemak100]

CF tumbler

Deliveries will begin on 23rd July so keep an eye out for yours over the next few days!

And if it makes you smile, we’d love for you to share the joy and tag us on socials with the hashtag #chocfam. This isn’t just about a tumbler — it’s about building something better, together.

but wait....did we provide our residential address? how we gonna receive ah?

 

[alex22]

CF tumbler

Deliveries will begin on 23rd July so keep an eye out for yours over the next few days!

And if it makes you smile, we’d love for you to share the joy and tag us on socials with the hashtag #chocfam. This isn’t just about a tumbler — it’s about building something better, together.

but wait....did we provide our residential address? how we gonna receive ah?

Singpass, myinfo, uhm

 

[AST781]

CF tumbler

Deliveries will begin on 23rd July so keep an eye out for yours over the next few days!

And if it makes you smile, we’d love for you to share the joy and tag us on socials with the hashtag #chocfam. This isn’t just about a tumbler — it’s about building something better, together.

but wait....did we provide our residential address? how we gonna receive ah?

Yes, you go see your profile in the app. Your address is there when the account extracted the information from your Singpass.

 

[Potent]

CF tumbler



Jialut... Cf tumbler liao. ^^

 

[IcYFl4mEz]

I didnt receive the email about the gift , but they are sending me also as i recd msg from ninjavan.

i read about what 5cents etc? They increase the % interest also?

 

[vsvs24]

CF tumbler



Jialut... Cf tumbler liao. ^^

Ang mo don't believe these. Haha.

 

[nasilemak100]

I didnt receive the email about the gift , but they are sending me also as i recd msg from ninjavan.

i read about what 5cents etc? They increase the % interest also?

if u using gmail, the email could be under promotion category and not in ur default inbox

 

[AST781]

I didnt receive the email about the gift , but they are sending me also as i recd msg from ninjavan.

i read about what 5cents etc? They increase the % interest also?

To be clear its not 5 cents more per day hoh. Its just a ONE time 5 cent extra interest based on my 20k deposit with them.

 

[Kirakun83]

Am received the cf tumbler. The tumbler got one kind of smell sia. Look super plastic.

 

[oceanicmanta]

Am received the cf tumbler. The tumbler got one kind of smell sia. Look super plastic.

i only interested in the TBB voucher

hope tumbler is made of biodegradable or recyclable material

 

[vsvs24]

https://www.channelnewsasia.com/singapore/chocolate-finance-axs-withdrawal-series-15-million-5255681

The company came under scrutiny in March when it halted instant withdrawals after receiving an “unusually high” volume of requests. Customers withdrew S$500 million (US$392 million) in about two weeks – wiping out around 40 per cent of its assets under management, which had hit S$1 billion the previous month.

Its assets under management have not fully recovered, but have hit nearly S$900 million, and profitability is "not too far off", he said.

Mr de Oude, who is the company’s CEO, said instant withdrawals are not currently “part of the recipe”, though it could be reintroduced in future.

“For the time being”, he said, withdrawals will follow a standard process of up to three days.

“We're continuing to look how we can innovate in that space as we roll out, but what we have found is that actually … up to three days for a withdrawal is good enough.”

 

[Asphodeli]

You should all check your latest Monthly Statement e.g. June 2025 for the "Balancing item" amount at the end. This is how much Chocolate Finance has earned from your account (whatever the underlying funds are valued at less what Choc pays you). It's accumulative and increases every month.

For me, they have earned more than 1% of my average balance of around $20-22k that I held with them since July last year.

Compare that with the platform fees charged by Endowus, Syfe and FSM, which typically range 0.3 to 0.6%, and ask yourself if you are getting a good deal, versus DIY investing in the funds yourself.

The promised instant liquidity is gone, at the first signs of a bank run. Do you still think the "top up guarantee" will work when the underlying funds start losing money overall?

This has never happened yet since Cho started, but look at how their liquidity programme crumbled..

Balancing Item negative means what?

 

[badsector]

Balancing Item negative means what?

check this link

 

[nasilemak100]

Am received the cf tumbler. The tumbler got one kind of smell sia. Look super plastic.

just received mine also. super plastic. dun put hot water

 

[FlyGuardX]

got resell value?