Are you tired of juggling multiple investment platforms that are complicated to use and charge high fees? Are you looking for an all-in-one investment platform that offers a range of investment options, competitive commission rates, and powerful trading tools? Look no further than Moomoo SG!
Moomoo SG is an innovative investment platform that is fully licensed and regulated by SEC and FINRA to provide a seamless trading experience and integrated information for both novice and experienced investors. With a range of investment options including stocks, ETFs, options, and more, Moomoo SG offers you the flexibility to create a diversified portfolio tailored to your individual investment goals.
Do note that this article is written in collaboration with Moomoo Financial Singapore Pte. Ltd. and may contain affiliate links.
Welcome Promotion
Investing can be an exciting and lucrative way to grow your wealth, but getting started can be intimidating. That’s why many investment platforms offer welcome bonuses to encourage new users to try out their services. And if you’re looking for an investment platform with an exciting welcome bonus, look no further than Moomoo SG.
More details can be found in their FAQ which I have reference it below:
How do I get up to S$20 Cash Coupon?
1. Deposit at least S$100 / US$75/ HK$600
2. After the conditions are met, you will need to click “Claim” on the landing page and the daily S$2 cash coupon will be sent to you immediately per day when you hold positions of S$100 (cash, stocks and other assets included) or above for 10 days. The amount will take about 1 – 3 working days to be reflected in your Universal account.
How do I get the Free Coca-cola share (NYSE:KO)?
1. Deposit a cumulative amount of at least S$2,000 / US$ 1,525 / HK$ 12,000 and complete at least 2 buy trades (You can also buy into Moomoo Cash Plus!)
2. After the conditions are met, you will need to click “Claim” on the landing page and a frozen Coca-cola share (NYSE:KO) will be issued to your universal account
3. Maintain daily assets (cash, stocks and other assets included) of S$2,000 / US$ 1,525 / HK$ 12,000 for 30 days before the stock will be unfrozen and credited to your Moomoo SG universal account. Due to stock price fluctuations, the total asset value is allowed to drop by 30% from the stated amount.
How do I get the S$108 Cash Coupon?
1. Deposit an accumulated amount of S$10,000 / US$ 7,625 / HK$ 60,000 & complete accumulated of at least 7 buy trades (Note: Buying in Moomoo Cash Plus is also considered a buy trade!)
2. After the conditions are met, you will need to click “Claim” on the landing page and a frozen S$108 cash coupon will be issued to your account.
3. Maintain daily assets (cash, stocks and other assets included) of S$10,000 / US$ 7,625 / HK$ 60,000 for 90 days before the S$108 cash coupon will be unfrozen and credited to your account. The amount will take about 1 – 3 working days to be reflected in your Moomoo SG Universal account. Due to stock price fluctuations, the total asset value is allowed to drop by 30% from the stated amount.
Let me share with you on four other interesting features in Moomoo SG app!
Do note that Past performance of Fullerton SGD Cash Fund is not indicative of future returns.
1. Moomoo Cash Plus
Nowadays, as the volatility of the current investment environment is rising, an increasing number of investors tend to opt for investments with higher stability and lower risks.
For those who are familiar with personal finance management should know that there are many guaranteed income products in Singapore, including fixed income, Singapore Government Treasury Bills (T-bills), SSB (Singapore savings bonds), etc., the average annualized yield of which are around 2 %~3% with relatively long lock-up period, which is not suitable for storing short-term idle funds.
One of the standout features of Moomoo SG is the Moomoo Cash Plus. This program offers investors the opportunity to earn attractive interest rates on their idle cash balances. With Moomoo Cash Plus, you can earn interest rates of up to 4% on your idle cash balances, allowing you to maximize your investment returns even while you’re not actively trading.
(4% p.a. returns derived from Fullerton SGD Cash Funds as of 6 April 2023. Past performance is not indicative of future returns.)
What is Moomoo Cash Plus?
Cash Plus is an idle money management tool provided by Moomoo. Currently, there are two types of money funds for investors to choose from:
Fullerton SGD Cash Fund
CSOP USD Money Market Fund
– The Fullerton SGD Cash Fund is currently the largest SGD money market fund, the return rate of which once exceeded 4% even under the environment of interest rate hikes, which is much higher than the average savings rate of banks (0.25%). And most importantly, this fund has never had a monthly negative return since its establishment in 2009, which is quite impressive.
– The CSOP USD Money Market Fund is Singapore’s first T+0 subscription and redemption USD money market fund, which can be flexibly transferred from your investable USD in and out of the fund while waiting for investing opportunities in the stock market. The fund invests primarily in high-quality short-term money market instruments and debt securities that provide liquidity and returns comparable to U.S. dollar deposit rates.
It can be seen that the ordinary annualized interest rate of Moomoo Cash Plus is around 3.7% currently. And we can see the rate is indeed higher than other tools currently on the market!
2. Deposit at least SGD 100 to qualify for 3.7% bonus rate and S$10 coupon.
What are the advantages of Moomoo Cash Plus compared to other wealth management products in Singapore?
Enjoy high yield with good liquidity!
– In Singapore, products with higher interest rates than moomoo are often endowed with poorer liquidity.
– Products with slightly better liquidity often generate relatively low yield
The other advantages of moomoo Cash Plus include:
1. 7-day annualized return is as high as 4%. This return rate is higher than most bank savings returns;
2. Stable income – Fullerton SGD Monetary Fund has never had a monthly negative income since its establishment in 2009 (data as of October, 2022)
3. Buying power is shared with the stock account – the assets in Cash Plus will also be calculated into stock buying power at the same time;
4. No lock-up period, enjoy subscription and redemption within the day;
5. Earn interest from your spare money, your spare money can gain generate returns every day even on the weekends;
6. Zero fee for subscription and redemption – Moomoo does not charge fund subscription and redemption fees, and no additional handling fee is required;
Subscribe S$100 into Moomoo Cash Plus now, and you will receive up to S$30 worth of rewards, S$10 fund coupon and S$20 cash coupon (S$2 for 10 days)!
2. Financial report calendar
People could find the financial reports on Moomoo and subscribe on their Calendar to read it as soon as it releases.
Additionally, people also gain insights from professional media’s and investor’s comment. See the photos below for this exciting feature.
3. AI-Powered Feature
But that’s not all!
Moomoo SG app also comes equipped with an AI-powered feature that helps you make smarter investment decisions. The AI-powered feature uses machine learning algorithms to analyze market trends and patterns, providing you with valuable insights into the market and helping you make informed investment decisions.
Market Monitor also to automatically track and alert you on unusual activities of all stocks across different markets in real-time too. Users get insights into the stock that they are interested in.
4. Free Learning
With Moomoo SG, you can also access Free US stock commission and Level 2 Market data and other real time market data, 7×24 hours live news feeds, and customizable charts and tools to help you stay informed about the latest market trends and developments.
Additionally, Moomoo SG provides a comprehensive education center and free paper trading that is designed to help you learn more about investing and trading.
How to Sign up?
Signing up for Moomoo SG is easy and hassle-free. All you need to do is download the Moomoo SG app, create an account, and start trading.
Step 1: Download the Moomoo SG app using this link on your phone and then log in
Step 2: Set up and open the trading account using MyInfo
Step 3: Wait for the account to be setup. An email will be sent to you.
Step 4: Deposit and trade with moomoo to get the welcome Gifts as mentioned above! Copy the information here again for easy reference.
Don’t miss out on this fantastic opportunity to start your investing journey on the right foot!
With competitive commission rates, a wide range of investment products, powerful trading tools, and a user-friendly interface, Moomoo SG is the perfect investment platform for anyone looking to take their investing game to the next level. So what are you waiting for? Join the investing revolution with Moomoo SG today and start trading like a pro!
All views expressed in this article are independent opinions of the author. Neither moomoo Singapore nor its affiliates shall be liable for the content of the information provided. This advertisement has not been reviewed by the Monetary Authority of Singapore.
Have you heard the saying “Cashflow is king”? It’s true. Managing your cashflow effectively is crucial for achieving financial stability and success. As someone who’s experienced the ups and downs of personal finance, I understand the importance of keeping a tight handle on my money. That’s why I want to share with you some practical tips for managing your cashflow by using myself as example.
There are so many things in life and components in finance management. In fact, managing your finances can be a daunting task, especially when it comes to tracking your cashflow. This may not be everyone’s cup of tea, but it is crucial to do so, especially when it comes to monthly cashflow management. However, with the right tools and strategies, it can be a breeze.
As someone who owns several credit cards and bank accounts, I have developed a system to manage my finances effectively. I thought I should share give you and perhaps readers can gain some insights to it.
Personally, it will be good for my kids/spouse, especially who is totally don’t bother with cashflow management or finance management in my household. In case I am suddenly gone (yes, touch wood but life is uncertain), hopefully this could be a good reference for them.
Credit Cards
I currently own several credit cards, but my three main credit cards are UOB One Credit Card, SCB Spree Credit Card, and Unlimited SCB Credit Card. Of course my UOB ONE Card is used with my UOB one account to get the 5% interest every month!
To meet the UOB One account’s 5% interest rate, I would spend $500 starting from the 3rd of every month (my billing cycle starts on the 3rd of every month). I set up recurring charges for my mobile line, broadband, and utilities bill to this card, which amounts to around $100 to $200 each month. The remaining $400 to $500 is spent on household expenses such as SimplyGo for transport, groceries, and of course, I have also passed a UOB ONE subcard to my wife for her to spend on this card. By doing so, it is easier to hit the $500 spending!
Whenever possible, I use credit cards for payments, such as Favepay, Google Pay, Shopee, Qoo10 online spending, etc. This way, I have no problem hitting $500 every month. Usually, I reach $500 around the 20th of the month, and the rest of my spendings on credit cards goes to the SCB credit cards to earn direct cashback rebate from 20th onwards until next month when the UOB spending reset again. My wife always ask me:
How can you remember when to spend which card? I told her is easy, just spend UOB till $500, then use SCB after that. But it’s still seems very difficult to her until today. Well…
Managing annual fees can be a hassle, especially when you own multiple credit cards. However, I have developed a system to manage my annual fees effectively.
Firstly, as per what I have mentioned above, I have regularly tally my credit card expenses, and I would know immediately once any annual fees are charged to my card. I would then call in to waive them immediately.
Secondly, I have inputted the annual fee due date into my calendar and set reminders. Lastly, I try to keep cards with no annual fee for those cards that I use less frequently, such as the HSBC Revolution and CIMB cards.
Monthly Cashflow
Now that we have covered credit cards let’s talk about cashflow. Here’s how I manage it in real life:
1. 1st of every month
Tally the expenses of the whole family. This is important if I want to FIRE in future (Financial Independent, Retire Early). Once my cashflow above expenses, I can FIRE (Actually, now my cashflow > expenses but I kiasi).
Calculate how much to pay for credit bills for the last month and transfer the amount to be paid to the monthly spending bank account. In my case, it’s the UOB One account to satisfy the condition of 3 GIRO every month.
Transfer $600 to OCBC 360 Save Bonus (Increase your average daily balance by at least S$500 monthly.)
Collect bank interest from my various banks, including Singapore Saving Bonds. UOB one account interest usually comes in 2nd or 3rd working day of month, OCBC 360 comes in 7th workng day, SSB comes in few working days after the month start, SCB exclusive bonus comes in 20th of the month etc.
Transfer these to a higher interest rate bank account or money market funds such as MoneyOwl, WiseSaver or FSM Autosweep.
Regularly keep track of my investment portfolio and record everything in my excel file.
Record how much I am vested, how much emergency funds I have, how much investible funds I have, how much cashflow (e.g. dividends) that I am getting from my portfolio, all buy and sell transactions, dividend coming in, location of all my funds, and what insurances I have.
3. Card Spending Management
For any card spending, I record it in an app to keep track and make sure I spend within budget and hit the $500 spending for UOB. However, as compared to other people, I do not keep track of the category of spending (This only works for me and I am sure I spend within limit, so I don’t want spend too much time on this). For others that need more tracking and discipline, it is better to record category of spend.
4. Cash Management
As for my cash spending, I prefer to withdraw a fixed amount from the ATM, typically around $40 each time, and record it as cash spending in my expense excel file. While I don’t track what I spend on as I am confident that I won’t overspend, it’s always good to have a record for reference. For those who are less discipline, always to keep track category of spend too.
5. A Master Excel file to keep track
Finally, I also regularly keep track of my investment portfolio and record everything in my excel file.
This includes how much I am vested, my emergency funds, my investible funds, and the cashflow (such as dividends) that I am getting from my portfolio. I also track all my buy and sell transactions, dividend income, the location of all my funds, and what insurances I have.
Of course all of the card and cash spending, annual fee etc are all recorded. I share the password of this file with my spouse so that in case of anything, she can refer to it without. Although I tried to keep it as simple as possible, but it may not be easy for her to understand.
Summary of what I did
Date
Action
1st of every month
Tally family expenses, calculate credit card bills and transfer the amount due to monthly spending bank account for payment.
Transfer $600 to OCBC 360 Save Bonus account for Save Bonus.
Regularly
Record all card spending in an app for tracking purposes.
Record cash spendings in an expense excel file.
Both of the above I did not break down into detail categories unlike some of my friends as I know that I won’t exceed budget, but it is good to break down for most people.
Regularly
Keep track of investment portfolio and record all transactions, including buy/sell and dividend income.
Credit cards
Mainly use UOB One Credit Card for household expenses and recurring charges, ensuring to hit the $500 spend minimum by around 20th of the month.
For the remaining days of the month, use other cards for direct cashback rebates.
Annual fees
Regularly check and call to waive any annual fees charged to cards. Input annual fee due dates into google calendar and set reminders.
Also always aim to keep cash with no annual fees to avoid the hassle.
Bank accounts
Transfer interest earned from various accounts to higher interest rate accounts or money market funds.
It’s not easy but it is important
Managing your cashflow may seem like a daunting task, but it is essential to stay on top of your finances and achieve your financial goals. With the practical tips and strategies I have shared based on my personal experience, I hope to have made it easier for you to manage your own cashflow.
Take action today and start tracking your expenses, optimizing your credit cards, and finding ways to increase your savings.
Remember, small changes can make a big difference over time. I also urge you to share your own cashflow management plans with others and join the community of people committed to achieving financial freedom. Together, let’s take control of our finances and build a brighter financial future for ourselves and our loved ones.
Good articles that you should read!
People are drawn to dividend investing.
Why? Firstly, dividends provide a regular stream of income, allowing investors to receive a portion of the company’s profits on a periodic basis. This can be particularly attractive for individuals seeking consistent cash flow or looking to supplement their existing income. Additionally, dividend investing is often viewed as a more stable and predictable investment strategy compared to relying solely on capital appreciation.
I always write and share articles, especially on dividends which many people love them. Do read them!
Alternatively, you can go the right side of my page, there is a search bar where you can simply search “dividend” to see all my articles related to dividends!
Of course, you can search for other things that would interest you such as “Careyourpresent”, “Reits”, “Side Hustles”, “Fixed Incomes”, “Savings” etc.
CAREYOURPRESENT
Money just buy you the chance of freedom.
When you are young and working, you exchange time for money. When you are old, you can have lots of money but you can’t buy time back, especially the things that you have missed while busying striking out in career. Of course, if you love your career, and consciously know that you are missing out the first time your child walk or talk, that’s ok, but if you are the other spectrum, please do something about it.
Your kids grew up and they no longer need you to accompany them. They no longer want to sit on your lap to share/do things with you…all these time you spent in your 9 to 6 or even longer cubicles…can the money that you have earned by you back these?
We always thought we have more time with our old parents, but we are wrong. Time with them is ticking away every day. One day it will suddenly be gone. There is no regret medicine, no reset in time. Gone is gone and cannot come back. No matter you are billionaires or millionaires, you cannot reset this.
We always thought that we have more time with our spouse every day, but we are wrong. One day they will be gone too. When you read this, please go tell your spouse that you love him/her and he or she is the best thing that you ever had in your life.
I have picked out some of the more life reflecting articles of the CAREYOURPRESENT series. Do read them:
You can read more about my articles on Careyourpresent via the Category “Careyourpresent” or simply click “Careyourpresent” via the main menu bar.
REMEMBER:
Love your life daily.
You have one less day with your spouse, parents, children and yourself.
Time is ticking away.
For each passing day,
Enjoy and Treasure your Life!
For those who are interested in regular updates of my articles, please join the others to sign up for my free newsletter to has my newest blogposts sent to your mailbox for free!
For real time exclusive updates on market news/life (especially Crypto markets where the news move fast, important news will be shared directly via tweets or telegrams), do also join the platforms below and engage with other like-minded people!
Telegram Group (Chat with me and other like minded people!)
If you’re looking referral codes, do check out my referral and ebook page. Give it a try and who knows? You might end up loving these platforms! To be absolutely fair to all the readers, I am definitely using all these companies and they are useful to me! Likely will be useful to you too!
At the same referral and ebook page, you can also download my free ebooks and other free resources.
For quick references to these resources, you can see below.
Ebooks and other useful resources on enhancing productivity (Investment, Excel, Notion etc). Currently most of it are free at this moment (subject to change).
WeBull: A powerful brokerage with nice free welcome gift. You can refer to my guide here on how to signup! 4 Simple step only! Click here to register a new account!
MoneyOwl: You can use this 6SHU-93MC to get free grab vouchers and highly safe liquid cash fund account.
Trust Bank – You will enjoy free FairPrice E-Voucher referral if you sign up via my referral code KNDBPEPT. Simply download the Trust Bank SG App on the App Store or Google Play Store. Tap on “Use referral code” immediately after you start the app and key in: KNDBPEPT
FSMOne: P0413007. Good account to keep liquid cash in autosweep and to purchase investment at low fee.
Hostinger: You can use this link for hosting your new website. 20% off hosting!
Don’t wait and get free money with nice brokerage now!
I know I have been naggy and keep talking about WeBull promotion previously but usually I won’t not give up on good deals, especially for my beloved readers.
Besides the welcome referral programme that that I shared before via previous fund 1 CENT to get free money, there are now lucky draws for new signs up under their Anniversary Promotion! There are 10 weekly winners for US$888 worth of Telsa Shares and 1 lucky winner of 1 Tesla Model 3 Car
Do note that the new anniversary deal is up and running until 30 June 2023, 15.59, Singapore Time. However, for the welcome referral to use S$0.01 to earn US$50 to US$500 will ends on 31 May 2023, 15.59, Singapore Time.
The new deal is great but too late for me as I have already signed up previously 🙁 If time can reset, I would rather sign up now for more chances and who know I may be the lucky one to win Tesla Model 3 Car!
Why wait? Come and join and get the free money. How to sign up?
To sign up, there are only 4 simple steps. Let me share again on what I have did previously!
4 Simple Steps to get free money and a very decent brokerage account
After clicking “Sign Up” you will be directed to registration page.
Here are what you need to do:
Fill in your phone number
Click “Send Code” and the system will send a code via SMS to you
Key in the verification code
Read and agree with Terms & Conditions and Privacy Policy
Click “Next”
You have successfully registered for a new account! Now, it’s time to set up your account.
Step 2: Setup Your Account
The next step is to setup your account. To do so, here are the steps you need to take:
Download Webull App on your mobile
Login with your mobile number
Click on the “Open Account” tab at the bottom center of the screen
Fill up your particulars. For simplicity, you can login with your Singpass.
After submitting your particulars, wait for Webull’s approval (my approval took only 30 minutes from the time that I have applied). You will receive an email from Webull to tell you about your account’s approval.
Click “Open Account” to start setting up your account. Then, fill up your particulars.
After submitting the form, you will be shown this page. Wait for approval email from Webull.
After approval, you can go to the app and click Webull logo at the bottom center. Then, set your trading password.
Step 3: Make a Deposit of ANY amount in 1 transaction (SGD $0.01 will do)
After your account is approved, it’s time to make a deposit. Inside Webull app, select “Webull” tab at the center bottom of the screen.
There are 3 ways to make deposit: eDDA, Fast or Telegraphic Transfer.
eDDA method means you’re authorizing Webull to transfer money from your bank account into your Webull account. Setting it up is very easy, just click on “eDDA” then follow the instructions, login to your internet banking, set the amount limit and you’re done.
FAST method means that you need to manually transfer money from your bank account using FAST option. This is only applicable for deposit made in SGD. After you’ve done the transfer, you need to click “Notify Webull of Transfer Completion” and the money will be reflected into your account within 5 to 10 minutes.
Telegraphic Transfer (TT) method means that you need to manually transfer money from your bank account using the traditional Telegraphic Transfer method. This is applicable for deposit made in SGD, USD or HKD. After you’ve done the transfer, you need to click “Notify Webull of Transfer Completion” and the money will be reflected into your account within 1-3 days.
Please note: The registered name of the bank account holder and Webull account must be the same for all deposits and withdrawals. Deposits must be from your own individual bank account, not third-party bank accounts, joint accounts or third-party payment platforms.
To make deposit, click Webull logo at bottom center, then click “Deposit Now”. After that, choose your deposit method.
This month promotion requires you to deposit any amount in a single transaction and maintains it for 30 days.
After depositing your SGD, if you want to convert it to USD to purchase stock in the US market, here’s how.
Click Webull logo, then click “Details”. After that, scroll down to find “Exchange Currency” button.
Step 4: Maintain Your Account for 30 Days
Next, you need to maintain you Net Cumulative Deposit at SGD 0.01 or above for 30 days after the initial deposit. That means, all your total deposit minus total withdrawal should be at least SGD 0.01.
It is alright if your portfolio falls below SGD 0.01 during the holding period, as long as your Net Deposit is at least SGD 1. If you don’t perform any withdrawal, your net deposit remains SGD 0.01.
After meeting all of the above simple steps, you will receive your rewards within 7 business days. Please remember to use the rewards WITHIN 30 days. After 30 days, the unused rewards will be expired.
In the midst of a global pandemic and other devastating events, it’s easy to be reminded of how fragile life can be. We see people who were once healthy and vibrant, suddenly taken from us, leaving loved ones behind to mourn their passing.
It’s sad but it is in moments like these that we are reminded of the importance of embracing every single beautiful moment of life. After all, life is not infinite, and each day is a gift that should be cherished.
The last thing anyone wants is to look back on their life with regret, wishing they had taken the time to appreciate the little things. It is very important to embrace every moment of life and live it to the fullest, so that when the last day comes (touch wood), we can look back on our lives with a sense of peace and contentment.
Today is also the 100th day passing of my mum 27 April 2023.
Life is fragile, embrace every moment of your life with gratitude and love.
Poem of Life
Let me begin this post with a poem.
Life is a cycle, a journey we embark, From birth to death, through light and dark. Each stage unique, with its own charms, A precious gift, held in our arms.
As a baby, we are pure and new, A bundle of joy, in everything we do. Our parents’ love, a guiding light, As we learn to laugh and take our first flight.
As children, we explore and learn, Our minds and hearts, like a flame that burns. We make new friends, and discover our passion, A world of wonder, in which we fashion.
As teenagers, we search for our place, A time of change, of new embrace. We question and grow, with every step, A journey of life, with no regrets.
As adults, we face challenges and strife, But we never lose sight, of our own light. We work and strive, to build a life, With love and hope, we conquer all strife.
As parents, we hold a precious gift, A new life, a joy that gives us a lift. We guide and teach, with love and care, Our hearts filled with love, beyond compare.
And as we grow old, and the end draws near, We look back on life, with no fear. We smile and reminisce, of days gone by, A life well-lived, with no need to cry.
Life is a cycle, a journey we all take, With each stage, a memory to make. Let us cherish and embrace every part, For life is a gift, a work of art.
Photo generate using DALL.E
Life is a Cycle
Life is a cycle that starts with birth, and it eventually ends with death. In between these two events, we go through many stages and experiences that shape us into the person we are today.
Each stage of life is unique and filled with both joy and challenges, but everything passes by in a flash. Therefore, it is essential to treasure what we have at the moment and live life to the fullest.
When I was young, I just studied and play limitedly. Looking back at those pictures now, I am amazed at how fast time has flown by. It feels like it was only yesterday that I was a baby, and now I am an adult.
As a child, I was full of energy and curiosity. I loved to explore the world around me, and I was always eager to learn new things. I remembered that I don’t like school. But as time went on, I made new friends and discovered a love for learning that has stayed with me to this day.
As a teenager, I went through many emotional and physical changes. I struggled with insecurities and peer pressure, but I also discovered my passions and interests. I started to question the world around me and form my own opinions about life. It was a challenging time, but it helped me to grow into a more independent and confident person.
As I entered my adult years, I faced new challenges in the form of education and career. I worked hard to earn my degree and started my professional life. I faced many setbacks and failures, but I learned to persevere and never give up. I also met the love of my life, and we started a family together.
As a parent, I experienced the joy of bringing a new life into the world and watching my child grow and develop. It was an amazing experience to see my child take their first steps, say their first words, and discover their own passions and interests. It was a reminder that life is a cycle, and that we are all part of something bigger than ourselves.
Now, as I enter my later years (now 40, with my mum not around anymore and dad in poor health), I am reminded of the fragility of life. I see the world changing around me, and I am grateful for the moments of joy and love that I have experienced. I know that eventually, my time will come, and I will pass on to the next stage of existence.
Be Grateful
Life is a cycle, and it is important to treasure what we have at the moment. We never know what tomorrow may bring, so we must make the most of every day.
Each stage of life is unique and valuable, and we should embrace them all with open arms. Whether we are babies, children, teenagers, adults, or elders, we are all part of the same cycle of life. Let’s make it count.
Good articles that you should read!
People are drawn to dividend investing.
Why? Firstly, dividends provide a regular stream of income, allowing investors to receive a portion of the company’s profits on a periodic basis. This can be particularly attractive for individuals seeking consistent cash flow or looking to supplement their existing income. Additionally, dividend investing is often viewed as a more stable and predictable investment strategy compared to relying solely on capital appreciation.
I always write and share articles, especially on dividends which many people love them. Do read them!
Alternatively, you can go the right side of my page, there is a search bar where you can simply search “dividend” to see all my articles related to dividends!
Of course, you can search for other things that would interest you such as “Careyourpresent”, “Reits”, “Side Hustles”, “Fixed Incomes”, “Savings” etc.
CAREYOURPRESENT
Money just buy you the chance of freedom.
When you are young and working, you exchange time for money. When you are old, you can have lots of money but you can’t buy time back, especially the things that you have missed while busying striking out in career. Of course, if you love your career, and consciously know that you are missing out the first time your child walk or talk, that’s ok, but if you are the other spectrum, please do something about it.
Your kids grew up and they no longer need you to accompany them. They no longer want to sit on your lap to share/do things with you…all these time you spent in your 9 to 6 or even longer cubicles…can the money that you have earned by you back these?
We always thought we have more time with our old parents, but we are wrong. Time with them is ticking away every day. One day it will suddenly be gone. There is no regret medicine, no reset in time. Gone is gone and cannot come back. No matter you are billionaires or millionaires, you cannot reset this.
We always thought that we have more time with our spouse every day, but we are wrong. One day they will be gone too. When you read this, please go tell your spouse that you love him/her and he or she is the best thing that you ever had in your life.
I have picked out some of the more life reflecting articles of the CAREYOURPRESENT series. Do read them:
You can read more about my articles on Careyourpresent via the Category “Careyourpresent” or simply click “Careyourpresent” via the main menu bar.
REMEMBER:
Love your life daily.
You have one less day with your spouse, parents, children and yourself.
Time is ticking away.
For each passing day,
Enjoy and Treasure your Life!
For those who are interested in regular updates of my articles, please join the others to sign up for my free newsletter to has my newest blogposts sent to your mailbox for free!
For real time exclusive updates on market news/life (especially Crypto markets where the news move fast, important news will be shared directly via tweets or telegrams), do also join the platforms below and engage with other like-minded people!
Telegram Group (Chat with me and other like minded people!)
If you’re looking referral codes, do check out my referral and ebook page. Give it a try and who knows? You might end up loving these platforms! To be absolutely fair to all the readers, I am definitely using all these companies and they are useful to me! Likely will be useful to you too!
At the same referral and ebook page, you can also download my free ebooks and other free resources.
For quick references to these resources, you can see below.
Ebooks and other useful resources on enhancing productivity (Investment, Excel, Notion etc). Currently most of it are free at this moment (subject to change).
WeBull: A powerful brokerage with nice free welcome gift. You can refer to my guide here on how to signup! 4 Simple step only! Click here to register a new account!
MoneyOwl: You can use this 6SHU-93MC to get free grab vouchers and highly safe liquid cash fund account.
Trust Bank – You will enjoy free FairPrice E-Voucher referral if you sign up via my referral code KNDBPEPT. Simply download the Trust Bank SG App on the App Store or Google Play Store. Tap on “Use referral code” immediately after you start the app and key in: KNDBPEPT
FSMOne: P0413007. Good account to keep liquid cash in autosweep and to purchase investment at low fee.
Hostinger: You can use this link for hosting your new website. 20% off hosting!
One of the very famous asset classes that many people like to stay invested in is Real Estate Investment Trust (Reit). However, not many people know how to start and what to look out for before investing in Reits.
Many would look for courses and these courses usually charge S$XXX or even S$XXXX. For limited time only, I shall offer exclusive REITs Masterclass at zero course fee today at the end of this article! It’s a Masterclass that you won’t not want to miss!
YES! It is really free. I always offer great values to my readers. For example,
This limited time free course will supercharge your learning, make you grow your wealth in REITs!
Interested but suspicious why would someone offer something so good as free?
Read on to find out more!
Photo generated from Dall.E
Free 2 days REITs MasterClass
Are you looking to invest in real estate but don’t want to deal with the hassle of managing properties? Then you need to learn about Real Estate Investment Trusts (REITs)!
REITs are a unique type of investment that allows you to invest in real estate without actually owning the physical property. By investing in a REIT, you’re essentially buying a share of a real estate portfolio that’s managed by professionals. This means you can enjoy the benefits of real estate investing without the headaches of property management.
If you’re new to REITs, you might be wondering how they work or if they’re a good investment. Well, we have the answers you’re looking for!
Careyourpresent.com will now offer a limited-time free Masterclass on REITs that will give you all the information you need to start investing in this exciting asset class.
In this course, you’ll learn:
What REITs are and how they work
The different types of REITs available
How to evaluate REITs for investment
The potential risks and rewards of investing in REITs
Strategies for building a diversified REIT portfolio
Benefits of MasterClass
Are you ready to unlock the potential of real estate investment trusts (REITs) and take your investment portfolio to the next level? Join our REITs Masterclass course and discover the secrets of successful REITs investing. Our comprehensive program is designed to provide you with the knowledge and skills needed to navigate the REITs market, make informed investment decisions, and generate consistent returns. Don’t miss out on this opportunity to enhance your financial literacy and gain a competitive edge in the investment world.
As a participant in our REITs Masterclass course, you’ll have access to expert instructors with extensive experience in the REITs market. They’ll guide you through a step-by-step process, from understanding the fundamentals of REITs to evaluating different types of REITs and developing a sound investment strategy. You’ll also learn about risk management techniques and how to leverage REITs to diversify your investment portfolio. With our practical approach, you’ll gain the confidence and skills needed to succeed in REITs investing.
The benefits of REITs investing are numerous, including stable dividends, long-term capital appreciation, and low correlation with other asset classes. Our REITs Masterclass course will help you tap into these benefits and create a diversified investment portfolio that generates consistent returns. You’ll learn how to evaluate the financial health of REITs, analyze industry trends, and identify attractive investment opportunities. With our proven strategies, you can take advantage of the potential of REITs and achieve your financial goals.
At the end of our REITs Masterclass course, you’ll receive a certificate of completion, demonstrating your proficiency in REITs investing. You’ll also have access to a community of like-minded investors, where you can exchange ideas and insights about the REITs market. Join us today and take the first step towards building a strong foundation for your financial future. With our practical and comprehensive program, you’ll gain the knowledge and skills to make informed investment decisions and achieve your financial goals.
As a loyal reader of our site, we are pleased to offer you our REITs Masterclass course completely free of charge. We understand that investing in your financial future is a significant decision, and we want to make it as accessible as possible. Our goal is to provide you with the tools and knowledge you need to succeed in REITs investing without any financial barrier. So don’t hesitate to take advantage of this incredible opportunity and join our REITs Masterclass course today, absolutely free of cost.
This course is perfect for anyone who wants to learn about REITs and how they can fit into their investment portfolio. Whether you’re an experienced investor looking to expand your portfolio or a beginner just starting out, this course will provide you with the knowledge and tools you need to succeed.
But hurry, this limited-time offer won’t be around forever!
Sign up now to take advantage of this free REITs course and start your journey to real estate investing success.
What are REITs?
Before we start the course, let me share something about Real estate investment trusts (REITs).
REITs are a special class of publicly traded companies that own and operate income-producing real estate. A REIT’s income can be either derived from renting out property, such as apartments, shopping malls or offices; or by collecting rent on mortgages. Because of their unique structure and tax advantages, REITs offer investors a number of advantages over other types of investments.
Why REITs?
This is the first question that would come to the mind of many people. There are 3 key reason(s).
Read on to find out more!
Above average dividend yield.
The dividend yield is the percentage of the share price that is paid out in dividends.
Dividends are a reliable source of income, and they’re paid quarterly.
You can use this number to compare different companies.
Lower risk.
A Reit’s portfolio of properties is a diversified mix of commercial, residential and industrial properties. This means that if one property fails, it won’t affect the whole business as much.
The management team at a Reit is also crucial to its success. A strong management team can make or break your investment; this means you should choose one with a track record of success in managing real estate portfolios.
Higher liquidity.
You can sell your share easily.
Shares of Reits can be sold on the stock exchange, which makes them more liquid than other assets such as real estate. This means that it’s easier to sell your investment when you want to or need to do so, whether because of financial pressures or other reasons.
Shares in a Reit can also be sold directly by investors who hold them (unlike private investors) or through fund managers who manage funds that invest in Reits (publicly traded). Some Reits are owned by property developers and these companies may choose to sell their interest in these properties at some point in order for them to focus on developing new ones instead; this increases liquidity even further!
Masterclass
Let’s back to the actual Masterclass
A typical course will be 1-2 days with fees charging from S$XXX or even S$XXXX.
Let me give you a 2 Days Reit Master for free now!
Read on to find out more!
Course Outline
Introduction to REITs
What are REITs?
How do REITs work?
History of REITs in Singapore
Tax structure for REITs in Singapore
Tax benefits for REITs
Tax implications for investors
Compliance requirements for REITs
Types of REITs in Singapore
Retail REITs
Office REITs
Industrial REITs
Healthcare REITs
Hospitality REITs
Evaluating REITs for investment
Understanding key performance indicators (KPIs)
Analyzing financial statements
Conducting market research
Risks and rewards of investing in REITs
Market risks
Interest rate risks
Inflation risks
Distribution risks
Potential returns and dividends
Strategies for building a diversified REIT portfolio
Asset allocation
Portfolio rebalancing
Dollar-cost averaging
Tax-efficient investing
Example of REITs to buy in Singapore context
Comparison of top REITs in Singapore
Analysis of performance and growth prospects
Selection criteria for REITs
REIT ETFs and why to invest
Benefits of investing in REIT ETFs
Comparison of REIT ETFs in Singapore
How to evaluate and select REIT ETFs
The course will be taught through a mix of lectures, case studies, and group discussions to provide a comprehensive understanding of REITs in Singapore context. At the end of the course, students will have the knowledge and skills to evaluate, select, and manage a diversified REIT portfolio in the Singapore market.
Are you Ready for the course?
Interested in the course outline above?
Ready to supercharge your leading and earn generational wealth in the market?
You have came to the right place! EXCLUSIVE free course for my loyal readers!
While stock last! Limited time free course now! Price will goes up after 24 Hours later! Sign up now so that you won’t regret!
Thank you!
Thank you for reading so far.
I am really not charging you for the course. The above are what usually people who conduct course write as a marketing tactic to lure you to sign up for the course.
If they can be rich from market themselves, why did they sell and charge so expensive course to you in the first place? So much free time?
The real truth is I am not selling any course but I will share with you on the transcript that people may use to conduct course (or MasterClass since it sound more professional and value for money) for free! Of course, you can learn something more about REITs from it.
Course Transcripts
Introduction to REITs:
Welcome to the REITs in Singapore course! In this first module, we will introduce you to the concept of REITs and how they work.
REITs, or Real Estate Investment Trusts, are investment vehicles that pool money from investors to purchase, operate, and manage real estate assets. REITs typically generate rental income from their properties, which is then distributed to investors in the form of dividends.
In Singapore, REITs are regulated by the Monetary Authority of Singapore (MAS) and are required to distribute at least 90% of their taxable income to shareholders. This means that REITs can offer high dividend yields to investors, making them an attractive investment option.
REITs were first introduced in Singapore in 2002, with the launch of the CapitaMall Trust. Since then, the REIT market in Singapore has grown significantly, with over 40 REITs and property trusts listed on the Singapore Exchange (SGX).
REITs are popular among investors because they offer exposure to real estate without the need for direct ownership or management of properties. This means that investors can benefit from the potential appreciation in property values and the regular income streams from rental income, without the hassles of property management.
In the next module, we will discuss the tax structure for REITs in Singapore and the benefits they offer to investors.
Tax structure for REITs in Singapore
Welcome to the second module of the REITs in Singapore course. In this module, we will discuss the tax structure for REITs in Singapore and the benefits they offer to investors.
In Singapore, REITs are exempt from corporate tax, provided that they distribute at least 90% of their taxable income to shareholders. This tax exemption allows REITs to offer higher yields to investors compared to other types of investments. On the investor’s end, they won’t be charge for any taxes.
The tax structure for REITs in Singapore makes them an attractive investment option for both local and foreign investors. The tax benefits, combined with the high dividend yields, make REITs a viable alternative to traditional fixed-income investments.
In the next module, we will discuss the different types of REITs available in Singapore and their characteristics.
Types of REITs in Singapore
Welcome to the third module of the REITs in Singapore course. In this module, we will discuss the different types of REITs available in Singapore and their characteristics.
There are six main types of REITs listed on the Singapore Exchange (SGX):
Retail REITs – these invest in shopping malls, retail centers, and other commercial properties that are leased to retail tenants.
Office REITs – these invest in office buildings and commercial properties that are leased to businesses for office use.
Industrial REITs – these invest in properties used for industrial purposes, such as warehouses, factories, and manufacturing facilities.
Healthcare REITs – these invest in healthcare facilities, such as hospitals, medical centers, and nursing homes.
Hospitality REITs – these invest in hotels, resorts, and other properties in the hospitality industry.
Data Centre REITs – these invest in data centres and IT infrastructure, which are leased to companies for data storage and computing purposes.
Each type of REIT has its own unique characteristics, such as the type of property it invests in, the tenant mix, and the location of its properties. Retail REITs, for example, may be affected by changes in consumer spending habits, while data centre REITs may be affected by the growth of the digital economy.
Investors should consider their investment objectives and risk tolerance when selecting a REIT. Some REITs may offer higher yields but may also come with higher risks, while others may offer more stable returns but with lower yields.
In the next module, we will discuss how to evaluate REITs for investment and the key performance indicators to consider.
How to evaluate REITs for investment
Welcome to the fourth module of the REITs in Singapore course. In this module, we will discuss how to evaluate REITs for investment.
When evaluating REITs, there are several key performance indicators (KPIs) that investors should consider:
Dividend Yield – This is the amount of dividends paid out by the REIT divided by its share price. Investors should compare a REIT’s dividend yield to those of other REITs in the same sector to determine whether it is offering a competitive yield.
Price-to-Book (P/B) Ratio – This is the market price of the REIT’s shares divided by its book value per share. A P/B ratio below 1 suggests that the REIT’s share price is trading below its book value, which may indicate that the REIT is undervalued.
Price-to-Earnings (P/E) Ratio – This is the market price of the REIT’s shares divided by its earnings per share. A low P/E ratio may indicate that the REIT is undervalued or that the market has low expectations for its future growth.
Net Asset Value (NAV) – This is the market value of the REIT’s assets minus its liabilities. Investors should compare a REIT’s NAV per share to its market price per share to determine whether it is trading at a discount or premium to its NAV.
Occupancy Rate – This is the percentage of the REIT’s properties that are currently leased out to tenants. A high occupancy rate may indicate that the REIT is generating stable rental income and may be a sign of a well-managed portfolio.
Debt-to-Asset Ratio – This is the amount of debt the REIT has relative to its total assets. A high debt-to-asset ratio may indicate that the REIT is highly leveraged and may be more vulnerable to interest rate hikes or economic downturns.
Investors should also consider the quality of the REIT’s management team, the diversity of its property portfolio, and the regulatory and market conditions affecting its sector.
In the next module, we will discuss the potential risks and rewards of investing in REITs.
Potential risks and rewards of investing in REITs
Welcome to the fifth module of the REITs in Singapore course. In this module, we will discuss the potential risks and rewards of investing in REITs.
Rewards:
One of the key benefits of investing in REITs is their ability to generate stable, recurring income through rental payments from their tenants. REITs are required to distribute at least 90% of their taxable income to shareholders as dividends, which can provide investors with a steady stream of income. In addition, REITs can offer exposure to a diverse range of properties and sectors, allowing investors to gain exposure to real estate without having to purchase physical properties themselves.
Another potential benefit of investing in REITs is the potential for capital appreciation. As the value of the underlying properties held by the REIT increases, so too may the value of the REIT’s shares. Investors can also benefit from the liquidity of REITs, as they can be bought and sold on stock exchanges like other listed securities.
Risks:
However, there are also several risks associated with investing in REITs. One of the key risks is the potential for changes in interest rates. As REITs often rely on debt financing to purchase properties, rising interest rates can increase their borrowing costs and reduce their profitability. In addition, changes in the regulatory environment, such as changes to tax laws or property regulations, can impact the operations and profitability of REITs.
Another risk is the potential for changes in the underlying property market. If property values decline or rental rates fall, this can reduce the income generated by the REIT and may cause the value of its shares to decline. In addition, if a REIT’s properties are concentrated in a single sector or geographic location, it may be more vulnerable to economic or market conditions affecting that sector or location.
Another risk is the issuing of Rights. As REITs are highly geared instrument, the REITs may called for Equity Fund Raising anytime. This means that if a retiree vested in REITs is dependent on cashflow from REITs, he or she has to plan in advance on how to deal with this kind of scenerios.
Investors should carefully consider these risks and weigh them against the potential rewards when evaluating whether to invest in a particular REIT.
In the next module, we will discuss strategies for building a diversified REIT portfolio.
Strategies for building a diversified REIT portfolio
Welcome to the sixth module of the REITs in Singapore course. In this module, we will discuss strategies for building a diversified REIT portfolio.
Diversification is key to managing risk when investing in REITs. By investing in a diversified portfolio of REITs, investors can spread their risk across different sectors, geographic locations, and property types.
One way to achieve diversification is to invest in a mix of different types of REITs. As we discussed earlier in the course, there are several types of REITs available in Singapore, including retail, office, industrial, healthcare, and data centre REITs. By investing in a mix of these different types of REITs, investors can gain exposure to a diverse range of properties and sectors.
Another way to achieve diversification is to invest in REITs with properties located in different geographic regions. This can help to mitigate the risk of investing in a single location that may be more vulnerable to economic or market conditions.
Investors should also consider the size and quality of the REIT’s property portfolio, as well as the track record of its management team. A REIT with a large and diverse property portfolio, a strong track record of financial performance, and a well-regarded management team may be more likely to weather economic or market fluctuations and generate stable returns for investors.
Finally, investors should consider the overall allocation of REITs in their portfolio. While REITs can provide exposure to real estate, they should be considered as part of a broader investment strategy that takes into account the investor’s overall risk tolerance and investment objectives.
In the final module, we will provide examples of REITs to consider investing in in the Singapore context, as well as an overview of REIT ETFs and why they may be a good investment option.
Examples of what REITs to buy in Singapore context
Welcome to the seventh module of the REITs in Singapore course. In this module, we will provide examples of REITs to consider investing in in the Singapore context.
There are several REITs listed on the Singapore Stock Exchange, each with its own unique portfolio of properties and investment objectives. While there is no one-size-fits-all answer to which REITs are the best to invest in, we will highlight a few that may be worth considering based on their track record and financial performance.
One of the largest and most well-established REITs in Singapore is Mapletree Commercial Trust (MCT). MCT primarily invests in retail and office properties in Singapore, including the popular VivoCity shopping mall and the Mapletree Business City office complex. MCT has a track record of stable financial performance and consistent dividend payouts.
Another REIT worth considering is Keppel DC REIT, which invests in data centre properties across Asia-Pacific and Europe. With the increasing demand for cloud computing and data storage, data centres have become an attractive investment opportunity. Keppel DC REIT has a well-diversified portfolio of properties and has delivered strong financial performance in recent years.
For investors looking for exposure to healthcare properties, Parkway Life REIT may be a good option. Parkway Life REIT primarily invests in healthcare properties in Japan and Singapore, including hospitals and nursing homes. With an aging population and increasing demand for healthcare services, healthcare properties may be a promising area for investment.
These are just a few examples of REITs to consider investing in in the Singapore context. Investors should conduct their own due diligence and evaluate each REIT based on its portfolio, financial performance, and other factors relevant to their investment objectives.
In the final module, we will provide an overview of REIT ETFs and why they may be a good investment option for those looking for diversified exposure to the REIT market.
What are REIT ETFs and why should you invest
Welcome to the eighth and final module of the REITs in Singapore course. In this module, we will provide an overview of REIT ETFs and why they may be a good investment option for those looking for diversified exposure to the REIT market.
REIT ETFs are exchange-traded funds that invest in a diversified portfolio of REITs. By investing in a REIT ETF, investors can gain exposure to a wide range of REITs with just one investment. This can help to reduce the risk of investing in a single REIT and provide a convenient way to build a diversified REIT portfolio.
There are several REIT ETFs listed on the Singapore Stock Exchange, each with its own unique portfolio and investment strategy. One example is the NikkoAM-StraitsTrading Asia ex Japan REIT ETF, which invests in a diversified portfolio of REITs across Asia excluding Japan. The ETF aims to provide investors with stable income and long-term capital growth.
Another example is the Lion-Phillip S-REIT ETF, which invests in a diversified portfolio of REITs listed on the Singapore Stock Exchange. The ETF aims to provide investors with exposure to the Singapore REIT market and generate consistent income and capital growth over the long term.
Investing in a REIT ETF may be a good option for investors looking for exposure to the REIT market but do not have the time or expertise to evaluate individual REITs. REIT ETFs also provide a convenient way to gain exposure to the REIT market with just one investment.
Case study of a REIT
One example of a successful REIT is the Ascendas Real Estate Investment Trust (Ascendas REIT), which is listed on the Singapore Stock Exchange. Ascendas REIT invests in a diverse portfolio of properties, including business and science parks, industrial properties, data centres, and logistics properties across Singapore, Australia, and the United Kingdom.
Ascendas REIT has a track record of stable financial performance and consistent dividend payouts. In 2020, despite the challenges posed by the COVID-19 pandemic, Ascendas REIT reported a net property income of SGD 1.02 billion, a 5.5% increase from the previous year. The REIT also maintained a high occupancy rate of 91.8% across its properties.
One of the key factors contributing to Ascendas REIT’s success is its focus on acquiring high-quality properties in strategic locations that are in demand by its tenants. For example, in 2019, Ascendas REIT acquired a portfolio of 28 logistics properties in the United Kingdom for GBP 257.5 million, providing the REIT with exposure to a growing logistics market and increasing its diversification.
Another factor contributing to Ascendas REIT’s success is its strong management team, which has a wealth of experience in the real estate industry. The REIT’s management team has demonstrated a commitment to maintaining a strong balance sheet and ensuring that the REIT’s properties are well-maintained and operated efficiently.
Overall, Ascendas REIT is a prime example of a well-managed and diversified REIT that has delivered consistent returns for its investors. By investing in a diverse portfolio of properties across multiple geographies, Ascendas REIT has been able to weather economic uncertainties and provide stable income for its investors.
End of Course
With the above, starting from the purple color text, with the Course Transcripts, one can package the above into slides, with some case studies, group discussion during the MasterClass and there you go!
$999 MasterClass of REITs for 2 days. If a class has 30 participants, that’s S$30K capital that one can use to invest in the actual stock market!
Earn some Free money
Do remember to earn some free money by using the two links below:
Why? Firstly, dividends provide a regular stream of income, allowing investors to receive a portion of the company’s profits on a periodic basis. This can be particularly attractive for individuals seeking consistent cash flow or looking to supplement their existing income. Additionally, dividend investing is often viewed as a more stable and predictable investment strategy compared to relying solely on capital appreciation.
I always write and share articles, especially on dividends which many people love them. Do read them!
Alternatively, you can go the right side of my page, there is a search bar where you can simply search “dividend” to see all my articles related to dividends!
Of course, you can search for other things that would interest you such as “Careyourpresent”, “Reits”, “Side Hustles”, “Fixed Incomes”, “Savings” etc.
CAREYOURPRESENT
Money just buy you the chance of freedom.
When you are young and working, you exchange time for money. When you are old, you can have lots of money but you can’t buy time back, especially the things that you have missed while busying striking out in career. Of course, if you love your career, and consciously know that you are missing out the first time your child walk or talk, that’s ok, but if you are the other spectrum, please do something about it.
Your kids grew up and they no longer need you to accompany them. They no longer want to sit on your lap to share/do things with you…all these time you spent in your 9 to 6 or even longer cubicles…can the money that you have earned by you back these?
We always thought we have more time with our old parents, but we are wrong. Time with them is ticking away every day. One day it will suddenly be gone. There is no regret medicine, no reset in time. Gone is gone and cannot come back. No matter you are billionaires or millionaires, you cannot reset this.
We always thought that we have more time with our spouse every day, but we are wrong. One day they will be gone too. When you read this, please go tell your spouse that you love him/her and he or she is the best thing that you ever had in your life.
I have picked out some of the more life reflecting articles of the CAREYOURPRESENT series. Do read them:
You can read more about my articles on Careyourpresent via the Category “Careyourpresent” or simply click “Careyourpresent” via the main menu bar.
REMEMBER:
Love your life daily.
You have one less day with your spouse, parents, children and yourself.
Time is ticking away.
For each passing day,
Enjoy and Treasure your Life!
For those who are interested in regular updates of my articles, please join the others to sign up for my free newsletter to has my newest blogposts sent to your mailbox for free!
For real time exclusive updates on market news/life (especially Crypto markets where the news move fast, important news will be shared directly via tweets or telegrams), do also join the platforms below and engage with other like-minded people!
Telegram Group (Chat with me and other like minded people!)
If you’re looking referral codes, do check out my referral and ebook page. Give it a try and who knows? You might end up loving these platforms! To be absolutely fair to all the readers, I am definitely using all these companies and they are useful to me! Likely will be useful to you too!
At the same referral and ebook page, you can also download my free ebooks and other free resources.
For quick references to these resources, you can see below.
Ebooks and other useful resources on enhancing productivity (Investment, Excel, Notion etc). Currently most of it are free at this moment (subject to change).
WeBull: A powerful brokerage with nice free welcome gift. You can refer to my guide here on how to signup! 4 Simple step only! Click here to register a new account!
MoneyOwl: You can use this 6SHU-93MC to get free grab vouchers and highly safe liquid cash fund account.
Trust Bank – You will enjoy free FairPrice E-Voucher referral if you sign up via my referral code KNDBPEPT. Simply download the Trust Bank SG App on the App Store or Google Play Store. Tap on “Use referral code” immediately after you start the app and key in: KNDBPEPT
FSMOne: P0413007. Good account to keep liquid cash in autosweep and to purchase investment at low fee.
Hostinger: You can use this link for hosting your new website. 20% off hosting!
If you look at the recent treasury bill, the cut off yield is 3.58% p.a. One of the lowest so far for this year. The first question came to mind is why so low? In fact, this is one of the rare 1-year bill. Will this time be the time where Fed pivot and interest rates starts to go down? The time that everyone is waiting for?
Let’s look at the Singapore Saving bonds – SBMAY23 GX23050W. The rate is 3.03% (year 1) and reaches for the 3.21% (year 10). The average is 3.07%.
Application deadline is 25 Apr 2023, 9pm with $700.0 million. Next payment will be 01 Nov 2023 with subsequent payment on every 6th Month on 01 May and 01 Nov.
Pros and Cons of SSB
Let’s us recap the advantages of SSB too.
Very safe – backed by Singapore Government
Locked down decent rates of around 3% for 10 years.
Easy to redeem and can redeem partial
Liquidity needs maximum of 1 month where you can get your money back. Hence suitable as emergency fund.
Limit of 200k should be good enough for most people.
Can build Bond Ladder to get monthly income (which I already did)
Let’s us recap the disadvantages of SSB:
Short term rates are lower than banks’ fixed deposits, money market funds such as MoneyOwl,etc of around 3.5% and above.
Low returns
1 month liquidity to redeem your funds may be too long for people who need the funds immediately.
Let’s compare to Fixed Deposit Rates
One of the very good rates now is CIMB 6-month fixed deposit. The rate for 6 months for S$10,000 and above is 3.45% for personal banking or 3.50% for preferred banking. If you need your funds for the next 6 months, this is one of the better options, but this mean that you fund will be lock for 6 months unless you break it later.
Of course, for those who are slightly more adventurous and want to keep your funds liquid, you can consider cash funds such that Money Owl Wisesaver or Webull Moneybull. Both are very good options.
If we look at FED rate, the longer rates are going down, but the shorter bills are actually above 5%. The yield curve is still highly inverted. Looking at other factors, very likely that the next month Singapore Saving Bonds will likely be lower.
However, for those who want to lock your interest for the next 10 years above 3%, do consider applying some SSB SBMAY23 GX23050W.
Application deadline is 25 Apr 2023, 9pm with $700.0 million.
Good articles that you should read!
People are drawn to dividend investing.
Why? Firstly, dividends provide a regular stream of income, allowing investors to receive a portion of the company’s profits on a periodic basis. This can be particularly attractive for individuals seeking consistent cash flow or looking to supplement their existing income. Additionally, dividend investing is often viewed as a more stable and predictable investment strategy compared to relying solely on capital appreciation.
I always write and share articles, especially on dividends which many people love them. Do read them!
Alternatively, you can go the right side of my page, there is a search bar where you can simply search “dividend” to see all my articles related to dividends!
Of course, you can search for other things that would interest you such as “Careyourpresent”, “Reits”, “Side Hustles”, “Fixed Incomes”, “Savings” etc.
CAREYOURPRESENT
Money just buy you the chance of freedom.
When you are young and working, you exchange time for money. When you are old, you can have lots of money but you can’t buy time back, especially the things that you have missed while busying striking out in career. Of course, if you love your career, and consciously know that you are missing out the first time your child walk or talk, that’s ok, but if you are the other spectrum, please do something about it.
Your kids grew up and they no longer need you to accompany them. They no longer want to sit on your lap to share/do things with you…all these time you spent in your 9 to 6 or even longer cubicles…can the money that you have earned by you back these?
We always thought we have more time with our old parents, but we are wrong. Time with them is ticking away every day. One day it will suddenly be gone. There is no regret medicine, no reset in time. Gone is gone and cannot come back. No matter you are billionaires or millionaires, you cannot reset this.
We always thought that we have more time with our spouse every day, but we are wrong. One day they will be gone too. When you read this, please go tell your spouse that you love him/her and he or she is the best thing that you ever had in your life.
I have picked out some of the more life reflecting articles of the CAREYOURPRESENT series. Do read them:
You can read more about my articles on Careyourpresent via the Category “Careyourpresent” or simply click “Careyourpresent” via the main menu bar.
REMEMBER:
Love your life daily.
You have one less day with your spouse, parents, children and yourself.
Time is ticking away.
For each passing day,
Enjoy and Treasure your Life!
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