How to Invest in Singapore for Beginners 2024

Sponsor: 🐮 Moomoo SG
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For Malaysians: 🐮 Moomoo Malaysia

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📧 Email (Business only): [email protected]
🕸️ My Website:

INVESTING
📈 Interactive Brokers:
📈 IBSG Sign-up
🐂 Webull Singapore
🐯 Tiger Brokers SG Code HONEYMONEY:
🌉 Longbridge SG Code UIKHFMD9
💹 CMC Invest
🐬 uSMART Code nn8gx7
📝 POEMS Cash Plus:
💵 ProsperUs Code: HONEYMONEYSG
📗 Seeking Alpha Premium Offer
📗 Alpha Picks by Seeking Alpha

CARDS & PAYMENT APPS
💳 Credit Cards Affiliate Links (Singsaver gifts)
🔎 Google Pay lp0l598
💴 Instarem Amaze Code: NhkWBH
🚌 Revolut SG
☯️ YouTrip
🙏 Trust Bank Code: HUQPC614
🅱️ BigPay referral KJN6MN5GS0 at
🚩 Wise
✈️ Kris+ App Code: C647172
🛍 Shopback $5 Code: caQmJa
🧾 DBS Paylah! $5 with code CHRHAF684
😻 Favepay
💰 iPayMy
💳 CardUp Code WAIKITC316
👛 Touch n’ Go eWallet
♾️ Heymax Max Miles

LIFESTYLE
🏬 Lendlease Plus $5 code NsHQKY
🎮 Sony PS5
🛍 Qoo10
⭐️ CapitaStar App
🛒 NTUC Union
🐼 FoodPanda
📞 ZYM Mobile Code: HONEY on
🍿SNACK by Income code: CHO8137

FINANCIAL
☣️ Syfe Code: HONEYMONEY @
🤖 Endowus
💸 Stashaway
💰 UOBAM Invest
🇲🇶 FSMOne by iFast Code: P0352323
🍫 Chocolate Finance
🤖 Dobin iOS code HONEYMONEY
🤖 Dobin Android code HONEYMONEY

BUSINESS
💼 Osome Services
🦅 AMEX Highflyer Card
☯️ YouBiz $50 Code: zi94mVNK @

TRAVEL
✈️ MSIG Travel Insurance
✈️ Allianz Travel Insurance
✈️ Starr Travel Insurance
✈️ Seedly Travel Insurance
✈️ TIQ by Etiqa Code R56612
🏨 i-Prefer Hotels
💸 iChange Code chong268
✈️ Trip Hotel & Flights
🍿SNACK by Income code: CHO8137

PROFESSIONAL SERVICES:
🤝 DareToFinance Fin Planning
🏠 Book a call with Ohmyhome
🏠 Buy/Sell your home with

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

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