The Singaporean Guide to Money
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All posts are for information only and should not be taken as financial advice. Read about why finfluencers cannot provide financial advice here.
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How to start investing
You overheard a convo at the canteen. “Bro, did you buy the dip?” Or maybe at CNY: “Ah boy ah, what are you investing in?” And you’re too embarrassed to admit that you don’t know what they’re talking about. I get it. Investing is scary and confusing. There are so many choices, warnings, and advice…
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Can you retire with $1 million dollars?
$1 million is a lot of money. I don’t have $1 million dollars. The median Singapore household has $1,755,000 in net wealth. This includes a hefty dose of property in that value, so we can strip that away. We’d prefer to retire with a roof over our heads. With that being said, how much does…
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AI made me a retirement plan…with some problems
I asked AI if it could make me a retirement plan. Gemini concluded I could retire at 65 with $8560 a month. Was it right? The starting line I gave it an age of 31, a starting amount of $100k, a monthly contribution of $500, and a retirement age of 65. Oh, and I told…
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Children probably shouldn’t go cashless
Cashless payment is kind of amazing. The ability to tap and pay with your credit card only started in the 2000s. Nowadays, it is ubiquitous. And with it comes a loss. A lost opportunity to teach our kids about money. Robin Powell speaks about having three golden experiences at home that will make kids better…
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Should Singaporeans invest in SpaceX?
SpaceX went public on 12 June 2026, in the largest IPO to date. Over 550 million SpaceX shares were sold at an initial offer price of $135 per share, with the price rising nearly 20% to $160.95 at the end of the trading day. That price values SpaceX at a whopping $2.1 trillion dollars, making…
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Why you shouldn’t buy a house
So you’ve decided to join the class of homeowners in Singapore. Or at least dream about it. There are 1.62 million houses in Singapore. 1.16 million, or 71.5% of them are HDB flats. The remaining comprise 375 thousand condominium units, and 75 thousand landed properties. I hear many complaints about how housing feels out of…
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How to deal with unexpected expenses
So your girlfriend or wife wants to fly overseas to see a kpop concert. Or your boyfriend or husband wants to buy the latest Swatch watch or Pokémon card. Let’s say this unexpected expense sets you back by a cool $1500. That’s one thousand five hundred dollars. How can we cover that cost? Strategy 1:…
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If You Can
Bill Bernstein wrote a famous short book called “If You Can”. It’s available In 26 pages, it tells you how you can outperform most of the financial industry and save your retirement. “All they’ll have to do is to put away 15% of their salaries into a low-cost target fund or a simple three-fund index…
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How to outperform everyone in personal finance and investing
For too long, this blog has focused on being average. Here’s how you can be better than everyone. 1. Spend, spend, spend. You Only Live Once. Saving is for those who are scared. Instead, spend like every day is your last. You have to make your days count. What’s the point of saving when you…