Making higher returns, you can count on.
It’s nerdy business.

Our financial experts have a long and proven track record. A reputation for delivering better returns with lower risk - even in a turbulent market. It’s complicated magic. Let’s tell you how it’s possible.

What we do

We make your money work harder for you.

Start earning interest Immediately

The moment you put money into your chocolate account, you’ll start earning interest.

Get your returns - Every. Single. Day

3% on your first $20K and a target 2% on any amount above that

No hoops to jump through, No Penalties

Even if you withdraw your cash after a week, you’ll get what you have earned up until that moment.

So, will you let your money be idle?

Or will you put it to work with Chocolate?

Enter your phone number, we’ll text you a link to download the app.

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This is how we
make your money grow

We invest in
bonds globally

Leaving no stone unturned, we seek out - and invest in - a diversified portfolio of high performing, short-term investment grade bonds, spanning across developed and emerging markets. No crypto anywhere. Managing volatility using safe and real assets is key.

Short duration for increased liquidity

We keep a certain portion of the funds liquid to allow for anytime withdrawals. Longer term bonds generally grant a higher interest and lower liquidity, while shorter term bonds have lower interest and improved liquidity. We continually strive to find the perfect balance between the two and keep your money liquid!

We put our money where our mouth is

We only make money when you make money. So naturally, it’s our number one priority to make the returns we’ve targeted for you.

Better still, if we don’t deliver the projected returns, from now until 31 July 2023, we will top up the difference on balances up to $20K.

It’s not only a better way, it’s the right way. Who else does this? Nobody.

There are no guarantees in life. So, although we currently promise you a 4% return on your first $20,000, we can’t guarantee it forever.

That said, we have a very high degree of confidence in our approach and our ability to deliver you the returns we’ve targeted.

To bring you the best returns

We work with the best

Leading asset manager

DFA is considered to be one of the smartest players in the bond markets, managing over a $480 billion in assets.

Strongest Security

Your money placed in custody with Citibank, giving you the strongest security.

Mastercard

Spend your money anytime, anywhere with your Chocolate Mastercard debit card.

Best foreign
exchange rates

We work with world exchanges to give you the best FX rates on your international transactions.

You
asked, we answered

Can't find your question?
‍Click here to view all FAQ’s or email us via: support@finchoco.com

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3% p.a. return

On your first $20,000.

Full-on Security

Your account is protected by Citibank’s encryption.

Chocolate Finance is a Managed Account service operated by Havenport Investments Pte. Ltd ("Havenport"), a Holder of Capital Markets Services Licence regulated to perform fund management activities, dealing in capital markets products and providing custodial services. Havenport is regulated by the Monetary Authority of Singapore with a license number of (CMS100173).

The Chocolate Managed Account is distributed through preferred financial advisors. All customers are required to acknowledge the recommendations made by our partner financial adviser firms before signing up to any Havenport service.

This information provided on this app/website is for use by financial advisers regulated by The Monetary Authority of Singapore (MAS) and does not constitute an offer or solicitation to buy or sell any of the investments mentioned. Neither Havenport nor Chocolate or any of their officers or employees accept any liability whatsoever for any loss arising from any use of this app or its contents. This advertisement has not been reviewed by the Monetary Authority of Singapore and may not be reproduced, distributed or published.

All views expressed are opinions of Havenport and are subject to change based on market and other conditions without notice or obligation. These opinions are not intended to be a forecast of future events, a guarantee of future results or investment advice. The mention of any individual securities should neither constitute nor be construed as a recommendation to purchase or sell investments, and the information provided regarding such individual investments is not intended to be used to form any basis upon which an investment decision is to be made. No information on this app/website constitutes accounting, legal, regulatory, tax or other advice. Portfolio allocations, holdings and characteristics are subject to change at any time. Any statistics have been obtained from sources Havenport believed to be reliable but the accuracy and completeness of the information cannot be guaranteed. All investments involve risks, including possible loss of principal. Past performance is not indicative of future results.

Making higher returns, you can count on. It’s nerdy business.

We make your money work harder for you.

Or will you put it to work with Chocolate?

This is how we make your money grow

We invest in bonds globally