📙 Advanced Credit Card Mastery Course: [ Ссылка ]
☕️ Buy from my Ko-fi shop: [ Ссылка ]
🔭 Telegram Group: [ Ссылка ]
📷 Instagram @HoneyMoneySG [ Ссылка ]
🎵 TikTok [ Ссылка ]
📧 Email (Business only): sghoneymoney@gmail.com
🕸️ My Website: [ Ссылка ]

INVESTING
📈 Interactive Brokers: [ Ссылка ]
🐂 Webull Singapore [ Ссылка ]
🐮 Moomoo SG [ Ссылка ]
🐯 Tiger Brokers SG Code HONEYMONEY: [ Ссылка ]
🐬 uSMART Securities Code nn8gx7 [ Ссылка ]
📝 POEMS Cash Plus: [ Ссылка ]
💵 ProsperUs Code: HONEYMONEYSG [ Ссылка ]
📗 Seeking Alpha Premium Offer [ Ссылка ]
📈 IBSG Sign-up [ Ссылка ]

CREDIT CARDS & PAYMENT APPS
💳 Credit Cards Affiliate Links (Singsaver gifts) [ Ссылка ]
🔎 Google Pay $3 [ Ссылка ]
💴 Instarem Amaze Code: NhkWBH [ Ссылка ]
🚌 Revolut SG [ Ссылка ]
☯️ YouTrip [ Ссылка ]
🙏 Trust Bank Code: HUQPC614 [ Ссылка ]
🅱️ BigPay referral KJN6MN5GS0 at [ Ссылка ]
🚩 Wise [ Ссылка ]
✈️ Kris+ App Code: C647172 [ Ссылка ]
🛍 Shopback $5 Code: caQmJa [ Ссылка ]
🧾 DBS Paylah! $5 with code CHRHAF684
😻 Favepay [ Ссылка ]
💰 iPayMy [ Ссылка ]
💳 CardUp Code WAIKITC316 [ Ссылка ]
♾️ Max Card [ Ссылка ]

LIFESTYLE
🎮 Sony PS5 [ Ссылка ]
🏬 Lendlease Plus $5 referral code NsHQKY [ Ссылка ]
🛒 NTUC Union [ Ссылка ]
🐼 FoodPanda [ Ссылка ]
📞 ZYM 4G $10 Plan [ Ссылка ]
📞 ZYM 5G $19.90 Plan [ Ссылка ]

ROBO-ADVISORS
☣️ Syfe Trade & Wealth code: HONEYMONEY @ [ Ссылка ]
🦉 MoneyOwl Code: 8JPW-62FZ [ Ссылка ]
🤖 Endowus [ Ссылка ]
💸 Stashaway [ Ссылка ]

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

TRAVEL
📳 Airalo Code CHRIS7822 [ Ссылка ]
✈️ Klook [ Ссылка ]
✈️ Airasia App [ Ссылка ]
✈️ MSIG Travel Insurance [ Ссылка ]
✈️ Allianz Travel Insurance [ Ссылка ]
✈️ Starr Travel Insurance [ Ссылка ]
✈️ TIQ by Etiqa Code R56612 [ Ссылка ]
🏨 i-Prefer Hotels [ Ссылка ]

PROFESSIONAL SERVICES:
🤝 DareToFinance Fin Planning [ Ссылка ]
🏠 Book a call with Ohmyhome [ Ссылка ]

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.
__________________________________
Q3: So many risks to top up CPF like Policy risk to increase withdrawal age/FRS amount, no liquidity, no more tax relief when you earn higher income.

This kind of one dimensional mindset, is why some people will never be truly wealthy
Let’s address policy risk first: Increasing withdrawal age is an uncertain outcome, possible to happen? Yes. Probable to happen? Unable to tell
Increasing FRS is a certain outcome. It will increase EVERY year, whether you like it of not to keep up with inflation. So would you rather get FRS first to let CPF give you interest perpetually to hit the next year FRS or keep it low forever and every year complain online about the FRS increasing again?

No liquidity issue: Liquidity is important when you have no consistent cash flow e.g. Self Employed freelance, sales and commissioned employees, need sudden liquidity of cash to pay daily expenses during down times. If you have consistent cashflows and solid liquid assets like stock portfolio, you could easily liquidate or borrow against collateral.

Cannot top up RSTU anymore after FRS: One dimensional thinking. Tax relief is one-time benefit every year. 4% interest compounded annually will easily beat it in the long term. Also RSTU amounts will be reserved for RA and cannot be withdrawn, so don’t do it too much.

The rich and wealthy will not rely on just CPF Top up to reduce taxes. They can set up legitimate companies to channel business expenses there. If you are earning that level of income but still think like a entry level employee, then you don’t deserve to be at the real wealthy level, hard truth.

свернуть