For many investors, one of the toughest challenges is staying invested through market cycles. As interest rates ease and traditional savings products offer less yield, individuals are increasingly focused on making their capital work more efficiently even during holding periods. As a result, investors are looking for ways to make their money work harder while remaining invested, reflecting a shift IG Markets is evolving alongside. Its interest-on-shares feature – a first in Singapore – allows eligible shares and ETF holdings to earn a guaranteed 3 per cent annually on shareholdings of up to S$50,000, with no lock-in period or minimum investment. Users need only make one qualifying trade a month to remain eligible. The feature is meant to support investors during holding periods, when many platforms offer little incentive to remain engaged. “By paying interest on invested assets, we’re giving users a way to earn steady returns while keeping their capital working,” said Mr Chia. Underlying the approach is a focus on reducing friction, encouraging consistency and supporting long-term investing habits. MAKING INVESTING MORE ACCESSIBLE …