The MoneyBees (channel)

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Deliveroo to exit Singapore by 4 March 2026 — a reminder about “lowest-cost” business models Hi everyone, Deliveroo has announced that it will wind down its operations in Singapore, with the final day of service on 4 March 2026. This is understandably disappointing for customers and the broader ecosystem—merchants, riders, and employees in particular. Deliveroo has been a popular option for many users, often perceived as more value-friendly due to competitive delivery fees and promotions. Beyond the immediate news, this is also a useful reminder about a common business dynamic: Why “cheapest wins” often doesn’t last Winning market share through low prices (or heavy subsidies) can work in the early stages of a platform business—many of us have seen this play out across ride-hailing and delivery apps over the years. But structurally, low prices usually mean tighter margins for: • the platform (higher burn, limited profitability), and • merchants/partners (who may feel squeezed by commissions, discounts, or marketing costs). When unit economics don’t improve meaningfully, the typical outcomes tend to be some combination of: 1. prices or fees rising, 2. consolidation, or 3. a market exit. This isn’t unique to food delivery We’ve seen similar patterns across other consumer and financial services: • Digital wealth/financial advisory models that struggled to reach commercial viability at scale (e.g., MoneyOwl winding down). • Brokerage platforms where fee compression and scale economics drove consolidation (e.g., TD Ameritrade eventually being acquired by Charles Schwab). • In insurance and other financial services, scale and capital requirements often lead to periodic strategic reviews and consolidation activity. Key takeaway For consumers, switching platforms is usually a low-friction change. But for workers and businesses who rely on a platform for income or sales, these shifts can be disruptive. From a broader perspective (and an investing lens), events like this reinforce the importance of looking beyond headline growth and focusing on: • sustainable unit economics, • pricing power after promotions normalize, and • whether the business model can endure without continual discounting. If you’d like to discuss what this means for platform businesses more broadly (or any related themes in your portfolio), feel free to reach out.

🎓 Ever wonder where your allowance actually goes? 👀 Between coffee runs, rideshares, and late-night food trips, it’s easy to lose track of your cash. But small habits can make a big difference in how far your money stretches. We’ve broken down 4 simple spending and saving tips every student can start using today, no budgeting apps or finance degree required.💡 Learn how to make your money last longer (and still enjoy life!). 📌 Read the full article here → https://themoneybees.co/4-spending-saving-tips-for-the-average-student/

📢 Weekly Financial Wrap-Up December 8-14 Hey everyone, here’s a quick wrap-up on last week’s biggest financial headline 🇸🇬 MOH acts to curb growing influx of private patients into public sector with new IP rules 📉 Divided US Fed lowers rates by 25 bps, signals pause and one 2026 cut as growth rebounds 🇨🇳 China's deflationary strains persist even as consumer inflation hits 21-month high Enjoy it and for more, click on the 📰 button below!

📢 Weekly Financial Wrap-Up December 1-7 Hey everyone, here’s a quick wrap-up on last week’s biggest financial headline 🇸🇬 Budget 2026: Singaporeans can share their views from Dec 2 to Jan 12 📉 With T-bill yields falling to lows, which assets bring higher returns? 🇨🇳 Major Chinese banks cut high-yield deposit products to ease margin pressure —— Enjoy it and for more, click on the 📰 button below!

📢 Weekly Financial Wrap-Up November 24-30th Hey everyone, here’s a quick wrap-up on last week’s biggest financial headline 🏥 New Integrated Shield Plan riders to have higher co-payment cap from April 2026 🏠 One-off property tax rebate in 2026 for owner-occupied HDB and private homes 🇺🇸 Wall St ends higher on growing bets for December Fed rate cut Enjoy it and for more, click on the 📰 button below!

JUST IN: New insurance plan riders will have higher co-payment caps from Apr 1, 2026, under new MOH directives. Insurers must also stop selling existing riders that don't conform to these new requirements. https://cna.asia/4rBgIXE Here's what you need to know about how the new riders will work, and what will happen to your existing riders if you have any: https://cna.asia/4oYYNIv

📢 Weekly Financial Wrap-Up November 17-23 Hey everyone, here’s a quick wrap-up on last week’s biggest financial headline 🇸🇬 Singapore hikes 2025 GDP growth forecast to around 4%, sees 1%-3% growth in 2026 🥷 Fraud and scam claims against digital banks in Singapore on the rise 🪙 Crypto World Wipes Out $1 Trillion After Latest Bitcoin Drop Enjoy it and for more, click on the 📰 button below!

Why are most investors still building portfolios for 2015? Because they're chasing yesterday's winners instead of positioning for tomorrow's infrastructure. The next decade won't reward the same sectors that dominated the last. By 2030, five key shifts will separate portfolios that compound from those that stagnate. Here's what's already moving: Clean Energy: Solar costs dropped 90% in a decade. AI & Automation: NVIDIA didn't 10x because of hype. Cybersecurity: Remote work isn't temporary. Biotech: Personalized medicine and genomic testing are shifting from experimental to standard care. Space Tech: Satellite internet and reusable rockets just made space commercially viable for the first time in history. The pattern? These aren't speculative bets. They're fundamental shifts in how the world operates. The article breaks down: Specific stocks and ETFs in each high-growth sector 📌 Read the full breakdown here → https://themoneybees.co/investing-in-2030/

📢 Weekly Financial Wrap-Up November 10-16 Hey everyone, here’s a quick wrap-up on last week’s biggest financial headline 🇸🇬 Six out of seven insurers raised premiums for Integrated Shield plans, riders in 2025 🏠 HDB resale transaction volumes plunge 38% in October; lowest since 2020 📉 Plunge in Asia’s AI shares sows doubts over world-beating rally Enjoy it and for more, click on the 📰 button below!