Sponsor: 📝 POEMS Cash Plus with CFD: [ Ссылка ]
Sign up for a CFD account with Phillip CFD and get a free PlayMade drink, up to S$88 CFD trade rebate + a chance to win a 3D2N staycation at ONE°15 Marina Sentosa Cove when you fund/trade with them!

🦉 MoneyOwl RoboAdvisor Code: 8JPW-62FZ (FREE $20) [ Ссылка ]
🤖 Endowus RoboAdvisor (FREE $20) [ Ссылка ]

STOCK BROKERS & INVESTING
🐂 Webull Singapore (USD 150 Trading Voucher) [ Ссылка ]
🐮 moomoo SG (Free Stock) [ Ссылка ]
🐯 Tiger Brokers SG Code HONEYMONEY (Free stock): [ Ссылка ]
🐬 uSMART Securities Code nn8gx7 (Free Stock) [ Ссылка ]
📈 Interactive Brokers: [ Ссылка ]
📗 Seeking Alpha Premium $119 ONLY [ Ссылка ]
🐯 Tiger Brokers International Code HMONEYSG: [ Ссылка ]
🐮 moomoo US by Futu Inc (Free Stocks) [ Ссылка ]

CREDIT CARDS & PAYMENT APPS
💳 Credit Cards Affiliate Links (Singsaver gifts) [ Ссылка ]
💨 Dash PET 1.5% interest CODE DASH-RXQ45 [ Ссылка ]
🚌 Revolut SG [ Ссылка ]
☯️ YouTrip ($5 Bonus) [ Ссылка ]
💰 iPayMy [ Ссылка ]
💳 CardUp Use WAIKITC316 to get S$30 off the CardUp fee for first payment [ Ссылка ]
✈️ SIA Kris+ App Code: C647172 [ Ссылка ]
😻 Favepay [ Ссылка ]
🅱️ BigPay $10 referral code KJN6MN5GS0 at [ Ссылка ]
💴 Instarem Amaze [ Ссылка ]
🙏Trust Bank Code: HUQPC614 [ Ссылка ]
🪺 Nestia $0.50 off SG-QR [ Ссылка ]
🛒 NTUC Union [ Ссылка ]

E-COMMERCE & SHOPPING
🛍 Lazada [ Ссылка ]
🛍 Qoo10 [ Ссылка ]
🛍 Shopback $5 [ Ссылка ]
🛍 Shopback Pay Later $11 OFF [ Ссылка ]
⭐️ CapitaStar App $5 [ Ссылка ]
🏬 Lendlease Plus $5 referral code NsHQKY
🐠 Marina Square $5 referral code EoQjdG

ROBO-ADVISORS
☣️ Syfe Trade & Wealth: Use code HONEYMONEY @ [ Ссылка ]

CRYPTO
♊️ Gemini (Free $10) [ Ссылка ]
📒 Ledger Crypto Hardware Wallet [ Ссылка ]

TRAVEL INSURANCE
✈️ MSIG Travel Insurance [ Ссылка ]
✈️ Allianz Travel Insurance [ Ссылка ]
✈️ Starr Travel Insurance [ Ссылка ]
✈️ TIQ Travel Insurance [ Ссылка ]

PROFESSIONAL FINANCIAL PLANNING:
🤝 DareToFinance [ Ссылка ]

If you sign up for any of these services using my link, I will earn a small commission which helps support my channel at NO additional cost to you. And you will definitely get some referral benefits as listed here!

Disclaimer: Information provided in the video are not meant to be taken as professional financial advice and are strictly for entertainment purposes only. The content shared is based on the creator’s personal experience and results may vary from each individual’s personal finance situation i.e. DYOR

🔭 Telegram Group: [ Ссылка ]
📷 Instagram @HoneyMoneySG [ Ссылка ]
📧 Email (Business only): sghoneymoney@gmail.com
☕️ Buy me a Ko-fi: [ Ссылка ]
💵 Patreon: [ Ссылка ]
_________________________________________________
CPF-OA investing Basics
- Min $20,000 CPF OA, funds above then can invest
- CPF-IS Account with UOB Kayhian cheapest
- $2.16 per CPF trade, $2.16 per quarter for platform fees

POEMS Cash Plus
- 0.08%, no minimum commission
- Need to add in the standard SGX fees + GST, totalling up to around 0.15%
- E.g. Lump Sum Buy 3000 units of STI ETF on 1 Jan
3000 * 3.33 = $9990
Fees = 0.15% * 9990 = $15
CPF Investing Fees = $2.16
Total Deduction from CPF OA = 9990+15+2.16 = $10007
Quarterly CPF fees of $2.16
Total Fees for the year = 15+2.16+(2.16*4) = $25.80

Endowus
- 100% into LionGlobal Infinity US 500 Unit trust tracking the S&P500 Index
- Expense ratio after cashback = 0.34% p.a. Access fee = 0.3% p.a. Total Fees = 0.64% p.a.
- Lump Sum $10,000 in 1 Jan, Access fees at 31 Dec = 0.3% * 10000 = $30

MoneyOwl
- Invested in their 100% Equity Portfolio since Apr 2022 because of zero advisory fee promo in 2022
- Expense ratio for Equity portfolio = 0.42% p.a.
- Started charging 0.4% p.a. advisory fees from 2023
- Total Fees = 0.82% p.a.
- Same product offered in Endowus: Lionglobal infinity global stock index fund SGD Class C (MSCI World Index) at 0.34% p.a. TER and 0.3% p.a. Total = 0.64%
- Future plans to withdraw & transfer?

#Sponsoredby #PhillipCFD

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