The opening up of Singapore seemed to be a cheer so far with the most recent news seemingly as a positive sign as all business would eventually open up to the rest of the world. Nonetheless, everyone have to still stay vigilant and not fall into the trap of Covid lockdown once more. It has been an experience with Covid and no one would wish that something like that will happen once again.
KrisShopper – Loyalty Programme
With these Krisflyer seemed to have extensively opened up and aggressively fronting their marketing dollars in Krisflyer shopping (KrisPlus or Kris+). Krisflyer launched their own loyalty programme called KrisShopper. The first 30,000 members who link their KrisFlyer accounts to KrisShopper will receive 1,000 miles, and the first 5,000 will receive additional SGD$20 to spend on KrisShop.
What do you need to do:
Link KrisFlyer to KrisShopper
500 miles
Subscribe to news & promotions while linking accounts
500 miles
Link before 30th June 2022
Status match
If you are eligible and done the correct steps, both miles and voucher will be credited within 10 business days after 30th June 2020.
Kris+ Couponmania (Co-brand/Partnership with Sqkii)
If you do not know what is Sqkii by now, you can check them out on their facebook or webpage. They first started out by letting people do the typical hide and seek treasure hunt for prize money by giving clues on a daily basis. How Kris+ is partnering with them is that they have created a game that allows anyone with a Kris+ account to merge coupon boxes. It is definitely not going to be easy as this is similar to the 2048 game that you play on your mobile. Each merging gets you a bigger coupon or prize which seems to be random. There’s also no guarantee that you will get the top prize which a a Nintendo switch or a Oven set.
You would also get a mini coupon prize to start off once you have signed up. Additionally, if you sync your Kris+ account, you get a speed up ticket that gives you a faster distribution per token. Once that is used up, you need to start referring more friends.
Remember not to skip the referral portion and also syncing your Kris+ account.
Everyone probably need referral to open up to more spaces to collect the coupons to merge the coupons. It takes 7 mins to be loaded with the level 1 coupon so 10 spaces means it will be full in 70 mins. Mindblown? haha.
If you do not have a Kris+ Account or App
If you don’t have a Kris+ account, you can download it via IOS or Google Play.
Sign up now with my link below, and my referral code L329518, and we’ll each be rewarded with SGD 5 worth of KrisPay miles upon your first transaction. https://sqkrisplus.page.link/2cf87APVrFXFHT5e7
There’s also a daily challenge per week to login once every 24 hours and you get to claim 150 miles which you can use to offset your shopping. This will end this week so while it lasts.
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 out my referral links.
Now, if what I am sharing does resonates with you, do use my referral codes here at Referral and Recommendations
The pictures were taken from KrisPlus website for this article.
Money Owl has been the regular investing strategy monthly for about close to 2 years. While the amount is nothing to be shout about. It is just regularly fixing something so that I can save and invest at the same time.
This is really a small part of my portfolio at $100 monthly RSP for around two years for now. I Probably will stick with MO for now just to compare them versus Endowus. I like the management team, honest and no conflict of interest. Maybe I add on other investment strategies on their platform if the timing is right.
Who is Money Owl?
MoneyOwl is an initative from NTUC Social Enterprise. They are 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 (Dimension 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.
One of the reasons I went into MoneyOwl and Endowus initially was because of the Dimensional Fund. These are not readily available to retail investors but the investing landscape has changed. Retail is kind of king now.
Context
My MoneyOwl Portfolio is one that does not hold a lot. It isn’t my main Robo Portfolio but they kind of become slightly more trusted over the last few months. At the same time, for folk who have just started the investment journey, S$100 is definitely doable for a long long term portfolio. The whole idea of this blog is to also show that it does not take a lot to start building your own retirement pot. I still envy folks who are in the twenties and build their portfolio early.
However, when you are young – Money is a limited resource. As usual, personal finance also have to revolve around each individual situation and understand the situation will determine what is required.
On top of the asset that we acquire, there is a need to tweak the insurance coverage due to a new child and an increased mortgage. Should there be any issues that happen to any one of us, at least the full liabilities are covered.
Mar 2022 performance (Day One Deposit)
In portfolio terms, it is up +8.56% and compared to my last review in Aug 2021 which was at +18.30% on 2 Sep 2021, it has dipped quite a bit in terms of percentage points. The portfolio size isn’t something great. Just a net deposit of $3,200. I kept the regular investing of $100 per month and it’s looking rather slow. I might increase this monthly amount to build the base up a little more. 2022 has not been kind to the markets and will continue to do so. So far, the defensive nature is what I have seen as a plus point.
If we look at Time Weighted Returns, it is the more accurate to account of deposit and withdrawals at +24.63%. Again, this return is just for reference. At the end of the day, what you originally invest in and the final amount will be the absolute profit.
In terms of the portfolio allocation, there is no change and it is at 60% equities and 40% fixed income. The portfolio consists of 4 different funds. Everything will be on Dimensional Funds. I kind of wished that I had a small cap fund in there. But I guess, as long as my main robo has that exposure that would be good as well on an overall basis.
Personally, I like the allocation % because it is just widely diversified for equities and widely disperse in terms of investment grade.
In the details on the profit and loss sheet:
a. The Global Core Equity Fund will be the largest allocation and makes up most of the returns to date and continues to do well.
b. The Emerging Market Large Cap Fund will be the lowest allocation and makes the least of the returns to date. I don’t mind some EM exposure at this point in time.
c. The Global Core Fixed Income Fund will be my main steady income Fund and finally.
d. The Global Short Term Fixed Income Fund will be the last stabiliser in my portfolio.
e. The government bonds remains to be on the downside which is expected though it recovered a little as compared to the previous month. The impact is negligible.
f. Recently, the russia exposure was mentioned to investors that it was removed and likely due to the sanctions.
MoneyOwl fees
A few months ago, MoneyOwl announced that they have lowered their investment advisory fees as well as absorbing the platform fees due to the pandemic.
a. For asset under management S$100,000 and below, there will be a 0.6% p.a. management fee and 0.5% p.a. for amounts above S$100,000. This amount will be rebated back in the portfolio. So take note that only Cash investments (Wise Income will also incur management fees), 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. The review is expected to contain detailed report and recommendations (It is estimated to be around 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 long term goals.
If you would like to give MoneyOwl a try do remember to use my referral code: 1JIC-91CM
Both of us with get S$20 worth of GrabFood Vouchers for every product or service that you sign up so that means that both of us will get up to S$60 worth of GrabFood Vouchers. (Total of 3 services/products)
Personally, I think that they are decent. A very conservative bunch.
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 would like to give MoneyOwl a try do remember to use my referral code: 1JIC-91CM
Now, if what I am sharing does resonates with you, do use my referral codes here at Referral and Recommendations
After Tiger Brokers and Moomoo (by Futu), here comes another player in the market named uSMART SG. Who are they? Founded in December 2018, uSMART Group, has headquarters in Singapore, Hong Kong, China and New Zealand. They have a global workforce of 400, with more than half in the product and development teams.
Who They Are
uSMART SG is mainly backed by Hong Kong company – Chow Tai Fook Group. Their main business would be in the jewellery line. This is probably a diversification from their original business. The other investors are also well known: BNP Paribas, UBS, Ping An, Yahoo, Tencent and Alibaba. (which is strange for Tencent since they are also backers of another brokerage firm)
Their mission is to
provide leading smart investment services to global investors, and to maximize investors’ value through monetary, knowledge and positive emotions. (as per on their website)
Fees
I shall not talk alot about fees. There are many different types of structures and market that you can find if you trade.
Promotions & Rewards
Okay, enough of all the blabbering. Once it is on the public domain, the key questions is what are the perks available now? I think that they are still new entrants to this and not many people know about them so the initial perk have been relatively decent.
Once you sign up, the first freebie is a SGD 15 cash voucher will be deposited in the Rewards Center upon account opening (Standard account). To redeem this cash voucher, complete at least three stocks BUY or SELL trades above S$100 within 90 days
The next promotion is either three shares of BITO, which is the ticker for ProShares Bitcoin Strategy ETF. If cryptocurrency gains traction with the rest of the community and becomes even more mainstream. This ETF would then have the potential for significant capital returns. (NOTE: For this welcome reward voucher, is unlocked by making a first deposit in a SINGLE transfer amounting to at least S$2,000 or its equivalent value. If user picks the BITO share voucher, you will need to maintain SGD2,000 AUM for 30 consecutive days in order to redeem the 3 BITO shares. You can choose the Investment Master Course which is ranked by uSMART as the higher value.
Last point to note: You will need to head to Rewards Center to redeem these rewards or they will expire and you will get nothing from it.
The return on the SGD 2k investment will be around 5%, almost risk free. Take note of the daily average which has to be SGD 2000 and above for the next 30 days. (If you are using them to trade often)
Thank you in advance for funding the activity of this blog and deals. It is just a little affiliate marketing/referral fees that I take. This pays for all the marketing activity, IT related fees and any other miscellaneous payments. Thanks again for keeping the lights running here.
Disclaimer
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
The pictures were taken from the uSMART SG website for this article.
I have been investing regularly into my MoneyOwl portfolio monthly for some time now. While the amount is nothing to be shout about. It is just regularly fixing something so that I can save and invest at the same time.
This is really a small part of my portfolio at $100 monthly RSP for around two years for now. I may take it all out of StashAway and put it with them or Endowus on any pullback. Maybe I will RSP into ESG or the Lion Global infinity 500. I will decide once I see the situation.
Who is Money Owl?
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. I believed back then I was comparing them versus StashAway. It was only when I found out about Endowus that I went full on robo-advisors.
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 24 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.
One of the reasons I went into MoneyOwl and Endowus initially was because of the Dimensional Fund. These are not readily available to retail investors but the investing landscape has changed. Retail has as much power as one Ultra HNW investor if combined as a whole. Of course, you can still argue that doing 1 ticket size is better than doing one million ticket size.
Summary
My MoneyOwl Portfolio is one that does not hold a lot and it is through regular S$100 crediting. It’s not a lot but as it isn’t my main Robo Portfolio, I am less inclined to put more cash into investments. At the same time, for folk who have just started the investment journey, S$100 is definitely doable for a long long term portfolio. The whole idea of this blog is to also show that it does not take a lot to start building your own retirement pot.
Importantly, personal finance also have to revolve around each individual situation and understand the situation will determine what is required.
On top of the asset that we acquire, there is a need to tweak the insurance coverage due to a new child and an increased mortgage. Should there be any issues that happen to any one of us, at least the full liabilities are covered.
Feb 2022 performance (Since Day One Deposit)
In portfolio terms, it is up +7.2% and compared to my last review in Aug 2021 which was at +18.30% on 2 Sep 2021, it has dipped quite a bit in terms of percentage points. The portfolio size isn’t something great. Just a net deposit of 3,200. I kept the regular investing of $100 per month and it’s looking rather slow. I shall decide if I would want to up that amount soon given that I have quite a bit of commitment in the coming months. 2022 has not been kind to the markets.
If we look at Time Weighted Returns, it is the more accurate to account of deposit and withdrawals at +22%. Again, this return is just for reference. At the end of the day, what you originally invest in and the final amount will be the absolute profit.
In terms of the portfolio allocation, there is no change and it is at 60% equities and 40% fixed income. The portfolio consists of 4 different funds. Everything will be on Dimensional Funds. I kind of wished that I had a small cap fund in there. But I guess, as long as my main robo has that exposure that would be good as well on an overall basis.
Personally, I like the allocation % because it is just widely diversified for equities and widely disperse in terms of investment grade.
In the details on the profit and loss sheet:
a. The Global Core Equity Fund will be the largest allocation and makes up most of the returns to date and continues to do well.
b. The Emerging Market Large Cap Fund will be the lowest allocation and makes the least of the returns to date. I don’t mind some EM exposure at this point in time.
c. The Global Core Fixed Income Fund will be my main steady income Fund and finally.
d. The Global Short Term Fixed Income Fund will be the last stabiliser in my portfolio.
e. The government bonds remains to be on the downside which is expected though it recovered a little as compared to the previous month. The impact is negligible.
f. Recently, the russia exposure was mentioned to investors that it was removed and likely due to the sanctions.
MoneyOwl fees
A few months ago, MoneyOwl announced that they have lowered their investment advisory fees as well as absorbing the platform fees due to the pandemic.
a. For asset under management S$100,000 and below, there will be a 0.6% p.a. management fee and 0.5% p.a. for amounts above S$100,000. This amount will be rebated back in the portfolio. So take note that only Cash investments (Wise Income will also incur management fees), 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. The review is expected to contain detailed report and recommendations (It is estimated to be around 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 long term goals.
If you would like to give MoneyOwl a try do remember to use my referral code: 1JIC-91CM
Both of us with get S$20 worth of GrabFood Vouchers for every product or service that you sign up so that means that both of us will get up to S$60 worth of GrabFood Vouchers. (Total of 3 services/products)
Personally, I think that they are decent. A very conservative bunch.
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 would like to give MoneyOwl a try do remember to use my referral code: 1JIC-91CM
Now, if what I am sharing does resonates with you, do use my referral codes here at Referral and Recommendations
I have been investing regularly into my MoneyOwl portfolio monthly for some time now. While the amount is nothing to be shout about. It is just regularly fixing something so that I can save and invest at the same time.
I think that given the amount of time I am left with for the next month, I would likely blog lesser than before. I just have not much time on my hand but I will still squeeze in deals and new information and I have some content to share. I’ll need more time to read up and understand more about the product first before I pen it all down.
Who is Money Owl?
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. I believed back then I was comparing them versus StashAway. It was only when I found out about Endowus that I went full on robo-advisors.
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 18 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.
One of the reasons I went into MoneyOwl and Endowus initially was because of the Dimensional Fund. These are not readily available to retail investors but the investing landscape has changed. Retail has as much power as one UHNW investor if combined as a whole. Of course, you can still argue that doing 1 ticket size is better than doing one million ticket size.
Summary
My MoneyOwl Portfolio is one that does not hold a lot and it is through regular S$100 crediting. It’s not a lot but as it isn’t my main Robo Portfolio, I am less inclined to put more cash into investments. At the same time, for folk who have just started the investment journey, S$100 is definitely doable for a long long term portfolio. The whole idea of this blog is to also show that it does not take a lot to start building your own retirement pot.
Recently, we also purchased a bigger apartment and had our second child. Funds are relatively being used up quicker and outflows have been on a hectic level. Our own portfolio would definitely be used up for the new renovations and purchase as well as childcare in the next 1.5 years. So, personal finance also have to revolve around each individual condition and understand the situation will determine what is required.
On top of the asset that we acquire, there is a need to tweak the insurance coverage due to a new child and an increased mortgage. Should there be any issues that happen to any one of us, at least the full liabilities are covered.
August 2021 performance (Since Day One Deposit)
In portfolio terms, it is up +18.30% on 2 Sep 2021 since inception in June 2020. The portfolio size isn’t something great. Just a net deposit of 2,400. I kept the regular investing of $100 per month and it’s looking rather slow. I shall decide if I would want to up that amount soon given that I have quite a bit of commitment in the coming months. August was a positive month again by +0.1%
If we look at Time Weighted Returns, it is the more accurate to account of deposit and withdrawals at +31.38% (which is 1.0% compared to July 2021) Again, this returns is just for reference. At the end of the day, what you originally invest in and the final amount will be the absolute profit.
In terms of the portfolio allocation, there is no change and it is at 60% equities and 40% fixed income. The portfolio consists of 4 different funds. Everything will be on Dimensional Funds. I kind of wished that I had a small cap fund in there. But I guess, as long as my main robo has that exposure that would be good as well on an overall basis.
Personally, I like the allocation % because it is just widely diversified for equities and widely disperse in terms of investment grade.
In the details on the profit and loss sheet:
a. The Global Core Equity Fund will be the largest allocation and makes up most of the returns to date and continues to do well.
b. The Emerging Market Large Cap Fund will be the lowest allocation and makes the least of the returns to date. I don’t mind some EM exposure at this point in time.
c. The Global Core Fixed Income Fund will be my main steady income Fund and finally.
d. The Global Short Term Fixed Income Fund will be the last stabiliser in my portfolio.
e. The government bonds remains to be on the downside which is expected though it recovered a little as compared to the previous month. The impact is negligible.
MoneyOwl fees
A few months ago, MoneyOwl announced that they have lowered their investment advisory fees as well as absorbing the platform fees due to the pandemic.
a. For asset under management S$10,000 and below, there will not be any fees charged through 31 December 2021. This amount will be rebated back in 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. The review is expected to contain detailed report and recommendations (It is estimated to be around 2 hours). I do think there are some discounts if you use some linked services of sorts such as Ohm Energy (You get a S$20 off)
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 long term goals.
If you would like to give MoneyOwl a try do remember to use my referral code: 1JIC-91CM
Both of us with get S$20 worth of GrabFood Vouchers for every product or service that you sign up so that means that both of us will get up to S$60 worth of GrabFood Vouchers. (Total of 3 services/products)
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 would like to give MoneyOwl a try do remember to use my referral code: 1JIC-91CM
Now, if what I am sharing does resonates with you, do use my referral codes here at Referral and Recommendations
I have been investing regularly into my MoneyOwl portfolio monthly for some time now. While the amount is nothing to be shout about. It is just regularly fixing something so that I can save and invest at the same time.
Who is Money Owl?
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. I believed back then I was comparing them versus StashAway. It was only when I found out about Endowus that I went full on robo-advisors.
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 18 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.
One of the reasons I went into MoneyOwl and Endowus initially was because of the Dimensional Fund. These are not readily available to retail investors but the investing landscape has changed. Retail has as much power as one UHNW investor if combined as a whole. Of course, you can still argue that doing 1 ticket size is better than doing one million ticket size.
July 2021 performance (Since Day One Deposit)
In portfolio terms, it is up +18.19% on 4 Aug 2021 since inception in June 2020. The portfolio size isn’t something great. Just a net deposit of 2,300. I kept the regular investing of $100 per month and it’s looking rather slow. I shall decide if I would want to up that amount soon given that I have quite a bit of commitment in the coming months. July was a positive month again by +0.3%
If we look at Time Weighted Returns, it is the more accurate to account of deposit and withdrawals at +30.38% (which is 1.5% compared to June 2021) Again, this returns is just for reference. At the end of the day, what you originally invest in and the final amount will be the absolute profit.
In terms of the portfolio allocation, it is at 60% equities and 40% fixed income and makes up of 4 different funds. Everything will be on Dimensional Funds. I kind of wished that I had a small cap fund in there. But I guess, as long as my main robo has that exposure that would be good as well on an overall basis.
Personally, I like the allocation % because it is just widely diversified for equities and widely disperse in terms of investment grade.
In the details on the profit and loss sheet:
a. The Global Core Equity Fund will be the largest allocation and makes up most of the returns to date and continues to do well.
b. The Emerging Market Large Cap Fund will be the lowest allocation and makes the least of the returns to date. I don’t mind some EM exposure at this point in time.
c. The Global Core Fixed Income Fund will be my main steady income Fund and finally.
d. The Global Short Term Fixed Income Fund will be the last stabiliser in my portfolio.
e. The government bonds remains to be on the downside which is expected though it recovered a little as compared to the previous month. The impact is negligible.
MoneyOwl fees
A few months ago, MoneyOwl announced that they have lowered their investment advisory fees as well as absorbing the platform fees due to the pandemic.
a. For asset under management S$10,000 and below, there will not be any fees charged through 31 December 2021. This amount will be rebated back in 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. The review is expected to contain detailed report and recommendations (It is estimated to be around 2 hours). I do think there are some discounts if you use some linked services of sorts such as Ohm Energy (You get a S$20 off)
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 long term goals.
If you would like to give MoneyOwl a try do remember to use my referral code: 1JIC-91CM
Both of us with get S$20 worth of GrabFood Vouchers for every product or service that you sign up so that means that both of us will get up to S$60 worth of GrabFood Vouchers. (Total of 3 services/products)
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 would like to give MoneyOwl a try do remember to use my referral code: 1JIC-91CM
Now, if what I am sharing does resonates with you, do use my referral codes here at Referral and Recommendations
I’m just going to bring this Moomoo brokerage app up again on my blog because the promotion is too good now to be true. I’m not sure how fast this will run out but giving a new user 1 free APPLE stock and 1 free NIO stock is unheard of. There is just too good to not get this up now.
Let’s do the Math: USD 146 + USD 46 = almost USD 200
That’s just free money so let’s not waste any time.
To be honest, I am a little cheesed off that I signed up earlier as it feels like I got penalised for being faster and earlier on this.
You can click on my previous post to read more about it: Previous Blog Post
Who is Moomoo?
Who is Moomoo? Moomoo are a nasdaq listed company known at FUTU Holdings Limited. FUTU SG is a subsidiary of their parent company. Moomoo/Futu is also backed by Tencent and for those who don’t know who they are, they are a China based global gaming, superapp, entertainment, internet giant, etc. If you did not know, they do not charge commissions for stock trading for US, SGD and HK markets. They also do not charge a custodian fee. I am guessing that volume plays a big part in this whole scheme of things.
Promotions
Let’s just sum up what you will be getting first:
a. 1 AAPL Share
b. 1 NIO Share
c. Up to 20 Free TWTR shares
d. Unlimited Commission-free Trading for US, HK and SG Market, however you continue to pay the other fees such as trading, platform fees, etc.
d. Free Level 2 Market Data for US stocks
e. Free SGX securities Level 1 real-time data
f. SGD 50 Cash Coupon for stock transfer in.
Conditions to get your promotions (No free lunch)
Now, nothing comes free so these are required but do check the T&Cs officially to avoid any disappointment. These days, there are so much information flow that most of us can’t keep up.
a. You need to be a NEW Customer and be in Singapore to get this offer (You have to be above 18 years of age and have a valid bank account in your own name) – [For KYC purpose obviously]
b. Commission free trades does not apple for stock options, futures and China A shares. The promotion commission-free promotion is only valid for 180 days.
c. You can only transfer in shares that are for US and HK positions and you will get that S$50 cash coupon for the first transfer in.
d. In order to obtain your referral rewards, you will need to do some work. Referral rewards will be capped at a maximum of 20 Twitter Shares and 600 days of commission-free trading. So, get those referral coming.
e. To get your 1 free APPL share, you need to deposit funds worth S$2700 or USD 2000 or HKD16,00 within 30 days from account opening + Open an account by 2 Aug 2021.
f. As for your 1 free NIO share, you will need to unlock Level 1 trading bade or complete 5 successful trades within 30 days of account opening + deposit funds worth S$2700 or USD 2000 or HKD16,00 within 30 days from account opening.
I personally think that it is a no brainer to get the perks. Thank you in advance for using my referral code:https://j.moomoo.com/004Fsa
For reference, please refer to the official website or contact their representatives.
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.
Now, if what I am sharing does resonates with you, do use my referral codes here at Referral and Recommendations
So, a friend of mine shared a link about the LTA survey here. This Link here LTA Survey. (I was informed that this is fully redeemed now)
Giving your views
Frankly, for S$10 it doesn’t really do much but again everyone is different. Some people actually think that when they save less or get a deal that isn’t the best as losing money.
So if you have some time, why not consider doing this. It will also help by giving some real thoughts and helping to build Singapore. I’m not quite sure if there will be a reward for this but if you have some time, why not then.
Disclaimer
This is not a sponsored post. This is purely my own opinion. 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 here at Referral and Recommendations
The pictures were taken from relevant website for this article. Stay Safe!
It has been almost 6 months since I have started working from home. The wife, not so much, roughly about four months or so. We have gone past the two months of Circuit Breaker and food delivery. At Phase 2, we are glad not to eat our lunch and/or dinner in a container box. Cooking at home regularly has also come off, though that was way better than ordering delivery. By working from home, we actually spend more time whacking away at our computer. That includes lunch time and after dinner. Depending on how you look at it, it can mean more productivity or we just can’t really draw a line to when is work time and home time.
Exploring Singapore – National Gallery Singapore
This is brought some delight to us. First, the mood in the National Gallery is soft and quiet. There was literally no rush walking in the Gallery. By taking some time off our work, we brought our little one to visit and rediscover Singapore little by little. While looking through the artifacts and history of Singapore, I did felt a sense of pride to call Singapore Home. Second, I really like it when it is quiet and the National Gallery provides that serene form of art. No noise was coming out from anywhere and we could just walk where ever we wanted.
In my previous post which you can access here. (https://lifejourney.blog/2020/08/04/ndp-2020-promotion-1-year-free-membership-for-gallery-insider/) The Gallery Insider is still available to all Singaporeans for one year so do visit them before end of October 2020. It is a worthwhile visit and stop by the Courtyard Cafe (Level 1) for some drinks and snacks. They make pretty good food and snacks. Blueberry cheese muffin, pandan kaya coconut cake and the fried wantons are my top choice. Local and Western delights are available – It is much better than most places.
The Corner Grill
To end the day, we must always do what a true blue Singaporean does. Find a good and decent hideout for a nice hot dinner for a good meal. It is rare that we have such “me” time and we found some hidden gems in the alley of 1 Ann Siang Hill. Hidden within the red and black shop houses and sloped roads, right at the intersection of Club Street lies The Corner Grill. The restaurant brings the impression that they serve quality food over quantity and I truly respect that. Link here: https://www.facebook.com/thecornergrill.sg
Still, we ordered too much for dinner and will definitely come back in the near future.
Fried Onions
For Starters, the Onion Stickles make a perfect appetiser. The complement is the mild but savory curry sauce which went really well with the thinly sliced onions.
Lobster Roll
The classic lobster burger which you once ate at the market grill or Pince and Pints somehow just tastes awful. Biting into the Lobster Roll at The Corner Grill, it is a sequence of experiential taste which starts with the freshness of the seawater, followed by the buttery creaminess of the sauce and tender warm lobster meat with the toasted bun. Simplicity at its best.
Pork Chop!
One of the classic highlights would be their Pork Chop which they really should rename it as a Tomahawk Chop or Pork Steak bone taste perfectly pinkish. This is cooked/grilled slightly Pinkish and well charred. The whole Pork Chop weighs around 300g and is easily the best thing I had during the last 6 months. The condiments compliment so well with the Pork Chop that I have nothing to say but to go try it. I also never knew olives, fig, onions and cauliflower tastes so good when preserved and mixed
Lemon Tarts
Desserts turn out as a surprise with Lemon tarts. They were not too sweet and perfect to end the palate. I’ll let the picture tell the story.
It is one of those rare times that we took time to explore and find good food but it has indeed been a great Friday today.
By chance, during a chat with the owners, The Corner Grill license was approved two days before the Circuit Breaker rules were announced. With the current Phase 2 ongoing, their business has been affected. I do hope they can manage to tide through this phase. The quality of ingredients is definitely a high standard but I am guessing that they have too much on their plate at the moment.
Support Local. Support our Food Culture. You can’t miss quality once you try it.
There is even more stuff of GIGA customers now. Now this is rather interesting on how they are developing as a company. First come first serve.
GIGA – A Subsidiary of Starhub
This is pretty cool now although i’m not quite sure if I am within the first few who applied for the OCBC Frank Credit Card. I’m not really a fan of OCBC cards as they are generally very traditional and they do not go out that much to get the deals or promotions as much as the other cards do.
Benefits of the FRANK Credit Card
They have this collaboration about giga’s perfect match with the following:
a. Unlock 6% cashback with the all-new FRANK credit card on online spends, grocery shopping and retail therapy (Using Samsung Pay, Apple Pay, Fitbit Pay, Garmin Pay or Google Pay)
b. S$50 giga bucks as credit to deduct off your monthly giga telephone bills within 2 months upon card approval.
c. Minimum monthly eligible spend of S$600 (online or offline and get S$75 back a month)
The GIGA offer is limited to the first 1,000 sign-ups and valid until 31 October 2020 so do find out more before application.
**You have to be a new to FRANK Credit Card member to apply though.
More Perks
On the side, You can also leave a Facebook Review on GIGA’s office Facebook page (Here: https://www.facebook.com/gigaexperience/) and stand to win a S$10 Grabfood Voucher.
Nothing is for free. There will be a small registration fee for the SIM card. You also need to choose the date of delivery of your SIM card. However, you can use a referral code to supplement the discount. You will get a discount if you use my referral code – “LhS9Ng”. The referral credit is only valid for any plans except the basic $10 GIGA plans.
