Investing in low interest-rate environment

Limited options: Tan(left) says options are rather limited for low risk investors. Money market: Wong(right) says money market funds are highly underrated

INTEREST rates affect consumers and businesses in many ways.

From determining the return they earn from their savings accounts and investments to the cost of taking out a loan – be it for a home, a new car or any other purchases or investments – households and companies will have to decide what to do with their money when interest rates change to make it work for them and achieve their ultimate goals.