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EVERYTHING about the basics of CPF

CPF (Central Provident Fund) CPF is a group of accounts created by the Singapore government to help ensure that citizens have enough savings for retirement. OA (Ordinary Account) – Housing, investments, and retirement SA (Special Account) – Retirement MA (MediSave Account) – Medical expense

6 suka

$3 easy air fryer meal

This meal was created by me, I go to gym often and this meal is a low calorie, high protein easy prep meal anyone can do at home. Feel free to try and let me know how is it! #gym #foodprep #easyfood #healthyfood #healthylifestyle

2 suka

What does it mean to be frugal?

People often mistake being frugal for being cheap, but they’re completely different mindsets. Being frugal means spending intentionally. You focus on value and long-term benefits. Being cheap means avoiding spending at all costs, even when it hurts your quality of life or the people around yo

2 suka

I save only 5% of my salary and here’s why..

Here’s a rough breakdown of how I allocate my salary: * Investments: 50% * Food: 15% * Parents: 10% * Savings: 5% * Transport: 5% * Insurance: 5% * Miscellaneous: 10% For context: I’m 22 years old and currently working full-time as a civil servant. I live with my family, so I’m fortu

28 suka

Is $1000 on gym worth it?

‼️Not an ad for anytime fitness Why did I decide to commit to an Anytime Fitness membership. For context: I’ve been going to the gym for a year or so. 💰 Cost: $1,271 for 1 year & 1 month (one-time payment + key fob) At first glance, spending over $1,000 on a gym membership sounds

11 suka

Bali cafe recommendation

BLACKROCK Reserve 📍Location: BlackRock Reserve, Jl. Merta Agung No.3, Kerobokan Kelod, Kec. Kuta Utara, Kabupaten Badung, Bali 80361, Indonesia Ratings: 5/5⭐️ This outdoor café has such an amazing vibe, and the pricing is surprisingly affordable too. My friend and I ordered 2 main courses + 2

1 suka

How long will it take for YOU to reach $1 mil

For this example, I used an estimated annual salary of $44,000 SGD and assumed 25% of that salary is invested yearly, which is admittedly quite aggressive. But that aligns with my personal investment strategy — to brute force my investment goals early so I can maximise compounding. The idea is t

5 suka

What’s Inside a 22y.o Singaporean Portfolio

Positions: 1. VOO S&P 500 ETF 2. MSFT 3. UNH 4. META 5. IBIT 6. VEU World ETF Why I chose these positions: ✅ ETFs as the backbone of investing ETFs make it easy to get instant diversification. With very low expense ratios (around 0.03%–0.04%), they help keep costs down. They also

201 suka

Never sell your investments and here’s why.

Take a look at this ETF — VOO (S&P 500) * It has hit a new all-time high again 📈 * The S&P 500 has already recorded 26 new record highs in 2026 so far. * The index is up about 8-9% year-to-date as of the end of May. * Despite the strong performance, it has still gone through multi

6 suka

How much did I invest? 22y.o

I have 2 main accounts 1. MOOMOO (US Holdings) 2. LONGBRIDGE (SG Holdings) Before I tell you guys about how I got this far, this is how I think YOU should invest if you’re in your 20s. Invest aggressively. If you work in the private sector, perhaps keep 3 months worth of savings for

105 suka

How I plan to manage my investments

After a few back and forth experiences and dealing with mistakes that have cost me thousands of dollars, I’ve decided that this is the best way for me to invest my money. I’m 22. At first, I thought I could handle the risks and volatility, but it still affected me and led to several mistakes. If

34 suka

How you can start investing

Investing is simple but scary. Seeing your hard earn money fluctuating up and down is often time stressful. The easiest way to invest: Regular Savings Plan (RSP) 📝RSP is a feature on a brokerage that allows you to directly invest into a stock of your choice every month In this example I

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Why invest in etf?

Exchange Traded Funds (ETF) Think of it as a basket of companies. If one company “goes down”, there are many others to balance it out, so you wouldn’t lose as much compared to investing in a single company. Let’s keep it simple 1. A “Safer” bet ✅ETFs are generally less volatile compared

9 suka

How did I manage to save $63k in 2 years?

I’m 22 this year. I don’t come from a wealthy family, and I wouldn’t say I spend much either, pretty thrifty most of the time except when it comes to food 😗 I’m still living with my parents, so I don’t pay for utilities, but I do give them 10% of my take home pay as a small gesture of gratitude

11 suka

I don’t keep money in my bank, Here’s why.

Inflation is an a**. In Singapore, inflation averages around 2 to 3% a year. That means every $100 sitting in your bank slowly loses value and becomes about $97 to $98 in purchasing power over time. So where do I keep my money? I’m heavily invested in stocks, basically paper assets. I use my

10 suka

The impacts of US-IRAN War…😞

Iran controls a key area called the Strait of Hormuz, where about 20% of the world’s oil passes through. If this route is disrupted, less oil is available → oil prices go up. When oil prices go up, transport becomes more expensive. When transport becomes more expensive, the cost of everyday

4 suka

Why I chose to spend on gym membership…

This post isn’t meant to influence anyone to get a gym membership. Before making such a big purchase, I went through a lot of thought. 1. I’m not new to the gym—I’ve been going to EnergyOne Gym for the past year, consistently at least 3 times a week. I know I can commit for the next year

25 suka

Is it financially smart to get one?

Cars are often considered the ultimate luxury in Singapore, yet lately, everyone seems to be chasing a Class 3A Automatic license. It has become such a common milestone that many view it as a trend rather than a tool. While getting a license is a major life goal for many, we often overlook the stag

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I make my money work for me ~$20k SGD

It’s important not to keep too much money sitting in the bank. Inflation is brutal. On average, it eats away about 2–3% of your money every year. If you had $100,000 sitting in your bank account, you’d effectively be losing around $2,000 to $3,000 in purchasing power each year. I personally u

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How much I had spent in Feb, 22 y.o

In total: $1281.95 (Without investments) Investments: $1640 F&B: $307.70 Transport: $58.36 Stuff/ items: $324.32 insurance: $142.75 Poly school fees: $143 Parents: $300 Netflix: $6 Admittedly, this is the most I’ve ever spent in a single month and here’s why. I gave myself a sli

26 suka

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