Buy Stocks Like You Would Buy HDBs

If we treat stocks like how we treat our properties, maybe the average person would get better investment returns. Instead, most people buy stocks on rumours and speculation instead of real analysis. Here are a few things you should do before you buy a property or invest in a stock. 1. Do Your...

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The CPF Bond That You Cannot Liquidate

While most people consider CPF money not as theirs and ignores it as part of their retirement planning or investment portfolio, we tend to think that CPF compliments those 2 things! We think that money in CPF is like money invested in Bonds (Terms & Conditions applied). Even the CPF Board...

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Why You Should Max Your CPF Retirement Sum Early

Today, we are going to present to you a controversial idea. That controversial idea will help you hit the CPF Retirement Sum faster, earlier, and easier. That idea is, to top up your CPF Special Account (SA) to the prevailing year's CPF Retirement Sum ASAP, even if you are below 55. Top Up My...

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The Hidden Taxes In Singapore

In the recent rally speech by Senior Minister Tharman Shanmugaratnam, he said that the median income Singaporeans paid 0% to 2% in income taxes. There were sceptics who questioned how true that was on social media. So we decided to run the numbers to check it. Singaporean's Median Income The median...

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SM Tharman on Personal Finance

With GE2020 around the corner, we thought it would be nice to jot people's memory on a rally speech Senior Minister Tharman Shanmugaratnam once gave on budgeting. In GE2015, Senior Minister Tharman gave a rally speech about how important prudent budgeting is for the country. We...

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