Tag: code

Another easy $5 from CapitaLand app

On By RistrettzIn Deals, Finance, New Ideas, Personal Finance Series, PromotionLeave a comment

After all that hype and pretty good promotion AngPow vouchers for Lendlease Malls. I must say Capitastar pales in comparison. This is another easty$5 voucher from the CapitaLand app to get. It is little wonder that they are not even too concerned with the fact that their properties are located in areas that are pretty prime and have relatively decent or good location value. 

If you have not heard about the Lendlease promotion shopping app. Read my article here: Lendlease $20 free money. Hopefully you will still be in time for the promotion which is limited to 5000 sign ups.

Another easy $5 voucher from Capitaland and additional $5 on spending

Well, better than nothing. The initial quote is to go to the app click on profile on the top left, followed by Rewards for the code “LNY10OFF’

1. The initial $5 e-Capitastar voucher is only valid for 10 days and for the 1st 5,000 redemptions

Note that only 1 redemption per Eligible Shopper during the promotion period

2. The next 5 comes when you spend $100 at participating Capitamalls and for the 1st 500 redemptions per participating mall

Note that 1 redemption per Eligible Shopper, per mall, per day of the Promotion Period

Not fantastic but yeah, save while you can. If you do not have a Capitastar Shopping App, then you probably need to get one first in order to get those deals.

There’s no refer programme at the moment so probably get the one from the official app for a $5 sign up bonus by Capitastar themselves.

Capitastar Discount
Capitastar Promotion T&Cs

The CapitaStar Rewards Programme

CapitaStar is a card-less Rewards Programme with no membership fee or expiry. They reward you with STAR$® (on top of all other rewards on your everyday spend) when you make purchases at participating retailers across CapitaLand Malls. STAR$® are awarded automatically when receipts uploaded via the CapitaStar App are approved.

The STAR$® accumulated in this programme can be used to exchange for eCapitaVoucher and/or exclusive Deals on the CapitaStar Mobile App. 

Note: All purchases (including purchases with eCapitaVoucher as payment mode) made in ION Orchard are not eligible to earn STAR$®

How does CapitaStar work

1) SHOP or SPEND
Shop at any participating CapitaLand Malls (with min $20 spend per receipt) or at Jewel Changi Airport (with min $10 spend per receipt) and retain your receipts to earn STAR$®.  

2) EARN 
Simply snap your receipt with min S$20 spend and upload via the CapitaStar Mobile App ($1 spent = 5 STAR$®).
Receipts of purchase(s) must be submitted no later than the next day of purchase (11.59pm) to be eligible for STAR$®.  

3) REDEEM 
Redeem eCapitaVouchers via the CapitaStar Mobile App (5000 STAR$ or 4500 STAR$ for Passion Card Members = $5 eCapitaVoucher). You can also redeem exclusive shopping and dining rewards on the CapitaStar Mobile App to enjoy greater savings!

Disclaimer

If you like what you are seeing, do remember to check them out and do your diligence. There is no one-size-fits-all investment strategy and no one solution to life. Join my telegram group to find out more about deals and join the community to connect for ideas: Life Journey Telegram

If you have not heard about the Lendlease promotion shopping app. Read my article here: Lendlease $20 free money

Use my referral code ‘DZEqaq’ when signing up or click on this link: New Lendlease Sign-up link

If you like what I am sharing or if it resonates with you, do use my referral codes here at Referral Services

Quick Ang Pow $20 for Lendlease app

On By RistrettzIn Deals, Finance, New Ideas, Personal Finance Series, PromotionLeave a comment

This one comes a little at time but at limited supply.

Happy redeeming for new lendlease app owners.

You can spend at Parkway, Somerset 313, Paya Lebar Square and JEM malls for now.

Ang Pow
Example of how it looks like

Lendlease Promotion Refer for each to get $20 in e-Vouchers

First time I am seeing a referral $20 for $20 for both referral and referee.

If you restart the app, you need to rekey in the code to get the vouchers. Otherwise nothing will be allocated.

The app is a bit glitchy so be warned for now.

Only 5000 new lendlease sign ups get S$20 SIGN UP gift. Grab it early.

Once you download the app, you can only choose referral code or promocode. For this sign up promotion, the $20 for $20 is the most efficient one for now.

Use my referral code ‘DZEqaq’ when signing up or click on this link: https://lendleaseplusapp.page.link/gSRGPaWJpByeKrgz8

Disclaimer

If you like what you are seeing, do remember to check them out and do your diligence. There is no one-size-fits-all investment strategy and no one solution to life. Join my telegram group to find out more about deals and join the community to connect for ideas: Life Journey Telegram

Use my referral code ‘DZEqaq’ when signing up or click on this link: New Lendlease Sign-up link

If you like what I am sharing or if it resonates with you, do use my referral codes here at Referral Services

Ez-Link deals and promotions

On By RistrettzIn Personal Finance Series1 Comment

You are probably no stranger to Ezlink. Recently, they have been trying to revive hard on their app and card usage and introduced a number of gamification tools on their app. But their marketing is way too quiet, probably because the rewards aren’t that enticing. Nonetheless, it is worth the effort if you have some time around doing this.

From 1 April 2022 to 26 May 2022, you can accumulate EZ-Link points to redeem those vouchers. These are limited by the way so that is first come first served.

Download the Ez Link App, use my promotion click on discover and Trivia. Key in my Referral code: 3197B5C and begin the daily login and daily answer to the questions. The promotion Tier will be:

30 Points: $0.50 Cashback

50 Points: $5 Fairprice Online Voucher

80 Points: $8 Fairprice Online Voucher

130 Points: $1 Cashback

250 Points: $3 Cashback

These cashback that is successfully collected will be credited to your Ez Link wallet.

All right then. Thank you for using my code in advance.

Disclaimer

If you decide to sign up to this, do remember to use my referral code: 3197B5C

If you like what I am sharing or if it resonates with you, do use my referral codes for other services at Referral and Recommendations

These pictures were taken off Ez Link website for reference.

Endowus Performance March 2021 & YTD + New ESG Portfolio

On By RistrettzIn Cryptocurrency, Personal Finance Series, Robo Advisors, Wealth & HealthLeave a comment

Time in March 2021 seem to just go by in a quick frenzy. Stock markets have retraced and between Tech and Cyclical equities, it seems to sway from side to side. There isn’t seem to be any clear signs for any particular trend. The slightest event such as the cargo tanker remained jammed up in the Suez Canal seem to have caught commodities in a stir for a week or two.

I’ve been talking about Endowus for a while now. I think there is something that attracts me to them. Perhaps it is the way they present themselves or maybe it is their mindset of investing that struck a chord with me. I would actually recommend them to anyone I know to be honest and I know that my investments will be safe with them. Further, they raised their first ever Serie A fund raising for expansion. It does sounds like a great step forward. Whatever was private, we don’t know but their first fund raising after being around for sometime does spark some confidence about how prudent they are and how much the founders value their own equity in the company. To me that is a plus when the founders want to keep stock value mainly because they see value in their own company.

ESG Portfolio (New)

I am quite intrigued in their new ESG portfolio that was constructed through the different fund houses. To a certain extent, I do want to put more into it but I am unsure since I’ve not read up on this but I do know that ESG have performed relatively well in the European zone. This segment would serve me well for a long term portfolio because I do see the value in investing in sustainable companies an practices. After all, we are saving this earth for our next generation – a little step goes a long way.

This is at +1.97% since inception some time in Mid March 2021. I like what I am seeing. Of course this is a 80%/20% Equity/Bond portfolio allocation so there will be more movement on the equity side. This is long term so, just leave it in there.

SRS Portfolio

Overall, portfolio is up 18.51% since May 2020 in SGD. As usual, in USD terms, due to no FX impact as the portfolio is USD ETFs, the performance will definitely be better especially when USD becomes stronger. Of course, the reference will be SGD since I use SGD. This is the SRS/Cash portfolio which consists of my favourite Dimension Funds in a 40% bonds/60% equity. Overall from May 2020 to 5 Apr 2021, it is a 18.51% increase in absolute terms – Fantastic. From Jan 2021 to 5 Apr 2021, the fund was stable and rising more  at 4.86%+ increase in portfolio. Not too bad really.

In Terms of YTD returns in 2021, I’m looking at 4.86%. I’m happy. Definitely topping up if there are any corrections (By definition a correction is more than 10% drop in a single day)

CPF Portfolio

For the CPF portfolio, it is also doing pretty well though not as well as my Dimension Fund portfolio. I’m still looking at 12.23% returns from May 2020 through to 5 Apr 2021.

In Terms of YTD returns in 2021, I’m looking at 1.68%. This is quite expected so not much of a surprise. I have no requirement to login daily to view my portfolio performance. Just a monthly review will be sufficient.

Similar to the previous months, cash management accounts have started to report a decline. This is also expected since LOW interest rate environment is here to stay for the long term.

I have been procrastinating about the Cash Smart Portfolio. Perhaps I will take a plunge to do it in April 2021. Takes a bit of courage to do that.

Like a broken recorder, the pros once more:

  • Endowus is the first and only robo-advisor to be approved by the CPF board.
  • 100% trailer fees back to the consumer, not the fund management fee. This is really one of a kind I’ve seen so far.
  • They do have a decent team who makes sense when introducing their platform in my personal opinion.
  • I believe all retail investor should try them out because of how they are trying to disrupt investing and make investing work for everyone.

Thank you all in advance for using my referral code.

Last point is to do your own diligence. What works for me may not work for you. Investing in traditional portfolios is about risk management, it isn’t Cryptocurrency. Super high risk = Potentially Super high returns. Fair enough in economic terms. Just remember that = Potentially Super high decrease in portfolio as well.

I’m not ruling cryptocurrency as an asset class here. What I do see is that they will be a disrupter in traditional currency in the future. What I am saying is traditional investments brings stable, slow and disciplined returns. I do have a portion of my funds in cryptocurrency and the latest trend of NFTs (Non-Fungible Tokens). I deal with these two investments separately and realistically.

Disclaimer

If you decide to sign up with Endowus, do remember to use my referral code: https://endowus.com/invite?code=EDZ8M

If you like what I am sharing or if it resonates with you, do use my referral codes for other services at Referral and Recommendations

These pictures were taken off Endowus website for reference.