Ways to make some money & Reviews

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This is not a click bait. I have always been interested to find out what is there in the market when I see such headlines but eventually it is usually click baits. One of the many ways to make some money online if you have time is actually through doing online surveys. The best part of it is that you can take your own time to do it.

Though you may miss out on some high value surveys but eventually it is suited to your own timing. I will review some of those, past and present and I have personally used them. Only if the time is worth your effort, you can proceed go sign up or use my referral link. It is totally up to every individual as it may not be worth the effort for some. However, if you have some time on hand – The answer is Why Not?

Make Some Money

I will run by the ones that i find the easiest to use and easy to cashout. Most importantly, you should sign up for a PayPal account if you do not have any. It is really easy to sign up, just visit https://www.paypal.com and there is no referral fee for this. Just for easy survey credits

Milieu Survey (Singapore)

Milieu Survey has a Singapore presence. Once you have chalked up enough points, you can either donate them away or Otherwise, you can choose to cash out via PayPal or PayNow. 

$10 can be redeemed with 9500 point and $20 can be redeemed with 18000 point.

Once you complete 7 surveys, both parties get 500 points each.

Key in the referral Code: DbKjxMP 

Google PlayStore – https://goo.gl/eTHTya

Apple Store – https://apple.co/2MmnprL

YouGov SG

YouGov is based in London but they also have a Singapore presence. Surveys doesn’t come as frequent as Milieu but once you accumulated enough. 5000 points redeem a S$25. There are also alternative but to me cash is always King. There are no referral benefits so click the link to sign up.

https://sg.yougov.com/en-sg/account/login/

Google Opinions

This is rather tricky as it is not for Apple/IOS users. Android Users will be able to download and setup their account. Surveys come at random and you can also set a notification. Once you reply, it varies from S$0.10 – s$1.50 or so. You can’t cash out these but you can use these credits to supplement subscriptions or pay for some paid apps that you wish to buy off. It’s just easy to use, answer and keep. Practically no upkeep. There are no referral benefits so click the link to sign up.

https://play.google.com/store/apps/details?id=com.google.android.apps.paidtasks&hl=en_SG

Valued Opinions SG

This requires a little more effort but as for the rewards, I personally find it rewarding with Zalora or Cold Storage vouchers (via Edenred voucher redemption). However, with the recent covid – They seem to be less productive or less efficient. Vouchers redemption seems slower and also seem to be out of stock faster. There are no referral benefits so click the link to sign up.

https://www.valuedopinions.sg/

Rakuten Insight

Rakuten re-branded a few times in the past. Their surveys take longer than most but once your accumulate 150 Epoints or more, you can redeem $10 via PayPal. Redemption starts from 75 Epoints for $5.

https://sg.m.aipsurveys.com/

Disclaimer: These are just solely opinions of mine. You should try them out first to review if they are suitable for you. These works for me as I have tried out more than 20 of these during my free time.

If you like what I am sharing or if it resonates with you, do use my referral codes for other services at https://lifejourney.blog/contact/

The pictures were taken from the respective websites for this article.

New Changes to MoneyOwl Fees

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MoneyOwl is an initative from NTUC Social Enterprise. They are sort of a Robo-advisor coupled with a suite of wealth planning tools such as will writing and insurance solutions. What really attracted me is their rather simple way of investing and using Dimension Funds as part of their portfolio construction.

As a retail investor, you will most likely not be able to access such funds. When the market tanked sometime in Feb 2020, I picked a few Robo-advisor to invest into and look into performance a few months later. Almost six months has passed now and I will most likely show some of the performance in my later posts but I must say, by doing nothing much, all advisors reported positive returns as compared to my own stock picking.

Changes to MoneyOwl

Recently, MoneyOwl announced that they have lowered their investment advisory fees as well as absorbing the platform fees.

a. For Asset under management S$10,000 and below, there will not be any fees through 31 December 2021. This fee will be rebated back to the portfolio. So take note that only Cash investments are eligible for this rebate. The cash management accounts do not have these in place and your total portfolio value has to be above S$50.

b. There is an introduction fee of S$99 which is worth about S$535 for a comprehensive Financial Planning. Money Owl’s advisors will sit down with you to review your portfolio with detailed report and recommended next course of action. (~2 hours)

c. Additionally, they are introducing free financial resilience workshops to focus on cash flow management and debt management. Likely through Webinars and anyone can join in.

It is nice to see that as a partner to our national social enterprise, they are making moves to help Singaporeans. The reduced fees on investments which is one of the key points in long term investments. The more fees you pay, the more it affects your own portfolio performance.

However, they should really look into improving the interface. (for e.g. making it into an app) They also introduced a referral fee scheme or some promotional fee scheme for new sign ups. Not much complains other than that.

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Disclaimer

This is not a sponsored post. This is purely my own opinion after using their service and/or products. If you like what you are seeing, do remember to check they out and do your diligence. There is no one size fits all investment strategy. 

If you like what I am sharing or if it resonates with you, do use my referral codes for other services at https://lifejourney.blog/contact/

The pictures were taken from Money Owl’s website for this article.