Sponsor: 🐮 Moomoo SG hmsg.link/sgmoomoo
Get 6.8%*p.a. guaranteed return with Moomoo Cash Plus for up to 31 days
Total Rewards up to S$900* (inclusive of S$20 Cash Coupon KOL Bonus) *T&Cs apply.
For Malaysians: 🐮 Moomoo Malaysia hmsg.link/mymoomoo
📙 Advanced Credit Card Mastery Course: hmsg.link/accm
☕️ Support me at Ko-Fi: hmsg.link/shop
🔭 Telegram Group: t.me/HoneyMoneySG
📷 Instagram @HoneyMoneySG / honeymoneysg
🎵 TikTok / honeymoneysg
📧 Email (Business only): sghoneymoney@gmail.com
🕸️ My Website: hmsg.link/website
INVESTING
📈 Interactive Brokers: hmsg.link/ibkr
📈 IBSG Sign-up hmsg.link/ibsg
🐂 Webull Singapore hmsg.link/sgwebull
🐯 Tiger Brokers SG Code HONEYMONEY: hmsg.link/sgtiger
🌉 Longbridge SG Code UIKHFMD9 hmsg.link/longbridge
💹 CMC Invest hmsg.link/cmcinvest
🐬 uSMART Code nn8gx7 hmsg.link/sgusmart
📝 POEMS Cash Plus: hmsg.link/poems
💵 ProsperUs Code: HONEYMONEYSG hmsg.link/prosperus
📗 Seeking Alpha Premium Offer hmsg.link/seekingalpha
📗 Alpha Picks by Seeking Alpha hmsg.link/alphapicks
CARDS & PAYMENT APPS
💳 Credit Cards Affiliate Links (Singsaver gifts) t.me/sgpromocode
🔎 Google Pay lp0l598 hmsg.link/googlepay
💴 Instarem Amaze Code: NhkWBH hmsg.link/amaze
🚌 Revolut SG hmsg.link/revolut
☯️ YouTrip hmsg.link/youtrip
🙏 Trust Bank Code: HUQPC614 www.trustbank.sg
🅱️ BigPay referral KJN6MN5GS0 at bigpay.link/referrals
🚩 Wise hmsg.link/wise
✈️ Kris+ App Code: C647172 hmsg.link/krisplus
🛍 Shopback $5 Code: caQmJa hmsg.link/shopback
🧾 DBS Paylah! $5 with code CHRHAF684
😻 Favepay hmsg.link/fave
💰 iPayMy hmsg.link/ipaymy
💳 CardUp Code WAIKITC316 app.cardup.co/users/sign_up
👛 Touch n’ Go eWallet hmsg.link/touchngo
♾️ Heymax Max Miles hmsg.link/heymax
LIFESTYLE
🏬 Lendlease Plus $5 code NsHQKY hmsg.link/lendlease
🎮 Sony PS5 hmsg.link/ps5
🛍 Qoo10 hmsg.link/Qoo10
⭐️ CapitaStar App hmsg.link/capitastar
🛒 NTUC Union hmsg.link/ntucunion
🐼 FoodPanda hmsg.link/foodpanda
📞 ZYM Mobile Code: HONEY on zym.sg
🍿SNACK by Income code: CHO8137 hmsg.link/snack
FINANCIAL
☣️ Syfe Code: HONEYMONEY @ hmsg.link/syfe
🤖 Endowus hmsg.link/endowus
💸 Stashaway hmsg.link/stashaway
💰 UOBAM Invest hmsg.link/uobam
🇲🇶 FSMOne by iFast Code: P0352323
🍫 Chocolate Finance hmsg.link/chocolate
🤖 Dobin iOS code HONEYMONEY hmsg.link/dobinios
🤖 Dobin Android code HONEYMONEY hmsg.link/dobinandroid
BUSINESS
💼 Osome Services hmsg.link/osome
🦅 AMEX Highflyer Card hmsg.link/highflyer
☯️ YouBiz $50 Code: zi94mVNK @ hmsg.link/youbiz
TRAVEL
✈️ MSIG Travel Insurance hmsg.link/msigtravel
✈️ Allianz Travel Insurance hmsg.link/allianztravel
✈️ Starr Travel Insurance hmsg.link/starrtravel
✈️ Seedly Travel Insurance hmsg.link/seedlyti
✈️ TIQ by Etiqa Code R56612 hmsg.link/tiq
🏨 i-Prefer Hotels hmsg.link/iprefer
💸 iChange Code chong268 hmsg.link/ichange
✈️ Trip Hotel & Flights hmsg.link/trip
🍿SNACK by Income code: CHO8137 hmsg.link/snack
PROFESSIONAL SERVICES:
🤝 DareToFinance Fin Planning hmsg.link/daretofinance
🏠 Book a call with Ohmyhome hmsg.link/ohmyhome
🏠 Buy/Sell your home with hmsg.link/jjongproperty
Disclaimer: The information provided in any affiliate referral or recommendation should not be considered as financial advice. The content is for general information purposes only and does not take into account your personal financial situation, goals or objectives. You should always do your own research and seek professional advice before making any financial decisions. We may receive compensation for affiliate referrals, but this does not influence our recommendations or reviews.
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Defensive Investing Strategy
- Minimalist approach + pluck low hanging fruits
- Slow and steady returns than astronomical growth
- Not for young folks who prefer to chase high risk high growth returns
- Have no high interest debts and sufficient insurance plan in place
L1: SSB, T-bills, CPF
- SSB & T-bill government securities
- CPF: 1% Additional interest on first S$60K
L2: Money Market Funds
- Fullerton SGD Cash Fund
L3: Index Funds & ETFs
- SGX: STI ETF (ES3), REIT ETF (CLR)
- US: S&P500 (VOO), NASDAQ (QQQM)
- LSE: S&P500 (CSPX), World Index (VWRA), Developed markets (IWDA)
L4: Dividend Investing
- Distribution of profits to shareholders (cash or stock)
- REITS (Mapletree, Capitaland, Frasers) or Banks (Big 3)
- Dividends are not taxed in Singapore
#Sponsoredby #Moomoo