MoneyOwl Performance to date – August 2021

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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

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.

MoneyOwl Performance to date – July 2021

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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

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.

1 free APPLE and NIO Stock for Moomoo users (One up for new sign ups)

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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.

Read more about their T&Cs here: https://support.futusg.com/en-us/topic128

Read about the Fees you need to pay: https://support.futusg.com/en-us/topic76

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

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 and information that I am using are taken from Futu’s/Moomoo’s website for the purpose of this blog post.

A reward for a survey (Depends if it is worth your time) – Fully Redeemed

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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!

Leisure of Life

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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.

Disclaimer

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 Corner Grill website for this article.

GIGA with OCBC Frank Credit Card (Part 3)

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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.

(link here: https://www.frankbyocbc.com/campaign/meet-giga?AgentSourceCode=GIGEDM

**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.

You can visit their website to find out more: https://www.giga.com.sg/

Disclaimer

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 GIGA website for this article.

Singapore Reits or not?

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Singapore Reits is something that many Singaporeans understand and take heart to. Some folks actually build their income/passive income via this source and I can see why.

My take on Reits on SGX

a. First it is based in Singapore – There is this local bias that it can do well given most people like to see for themselves if the malls are working out well in terms of retail quality, crowd, spending and how many shops are still in business.

b. SGD payouts avoids the currency risks. For a retiree or someone drawing on income from dividends, this payouts serve as a source of bill payment.

c. An alternative and cheaper way to enter the real estate market in Singapore is really through the reits/stock exchange. I know that people will argue that it is different but technically in my view, it is the same (And you do not need to pay stamp duties, get a mortgage and pay sales charges)

d. It is more liquid than real estate.

For a long time now, Reits have been growing big and popular within the investing community. Again, all investments comes with risks – Most people have more comfort in dealing with things they can see or get a sense of. For a long time, there have been plenty of wins for reits but as you can also see, the Circuit Breaker period in April through May have affected them in a way or another.

Diversification?

So again diversification is key to investing once more. If you put all your eggs into the Reits for passive income, then with such dividend cuts your bottom line is definitely affected. Currently, it doesn’t seem like this Covid situation is going back down or slow down whatsoever so dividend cuts is going to be prolonged in order to save businesses and jobs. Then again, there are certain sectors who might see a booming business such as Data Centres or even certain suburban reits. Sub-urban malls are definitely crowded but the former shopping aisles in orchard and high end malls are definitely missing the tourist crowd which rakes in the cash and spending. It is no wonder why people are worried about their livelihoods.

It is not all doom and gloom. Sectors will emerge while some will recover. It is definitely time to pick up some if you did not have any. The idea is to really have a long-term goals when you pick a stock and stay disciplined. Once you sell it off, you may never be able to pick back the company at their valuations again.

The Passive or Lazy Choice

If you are lazy, let Robo-advisors do the trick for you. For e.g. Syfe. https://www.syfe.com/ Initially i only took on the Reit+ portfolio some time in April 2020 to test it out so that I do not need to manage the portfolio and incur those trading fees. They have expanded other products such as a Global ARI portfolio (Long term investment into equity,bonds and commodities) and Equity100 portfolio which is 100% into global Equity ETF (US and UK listed ETFs)

Auto-rebalancing

Syfe has invented their ARI (Automated Risk Investing) methodology, which is a risk-based rebalancing strategy, which changes the allocations of your portfolio according to changes in risks in the market in order to limit your losses. In short, once it triggers a certain level, the system will trigger an alert and things start to sell off to re-allocate. It also means that over the longer term, you will naturally see a better performance of the portfolio.

Every rebalancing of course depends on what portfolio you choose from so everyone is different. I personally like the idea of investing into a portfolio of reits instead of picking it on my own. In terms of fees, it depends on your investment amount with them.

In terms of pricing, I think it is cost effective. Do find out more about it here https://www.syfe.com/pricing

a. Management fee per year is at 0.65% p.a. for investment amounts S$0 – S$20k.

b. Management fee per year is at 0.50% p.a. for investment amounts S$20k – S$100k.

c. Management fee per year is at 0.40% p.a. for investment amounts S$100k and above.

Do use my referral code to get some benefits when you sign up a new account with Syfe. Referral Code: SRPTSMQ5J

You will get (Find our more about their referral scheme here https://www.syfe.com/magazine/how-can-i-invite-a-friend-to-join-syfe/) :

a. S$10 bonus if you invest S$500

b. S$50 bonus if you invest S$10,000

c. S$100 bonus if you invest S$20,000

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 here at https://lifejourney.blog/contact/ for the services.

The pictures were taken from Syfe website for this article.

NDP 2020 Promotion: 1 Year Free Membership from Gallery Insider

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There is an ongoing promotion for National Day 2020. That is a one-year complimentary membership for Gallery Insider. It is really good to see companies doing their part to make art and increase activities locally.

National Gallery Insider

From the Gallery Insider (link here: https://www.nationalgallery.sg/support/join/membership) –  This Gallery Insider is an annual membership programme. Insiders get unlimited access to their dynamic line-up of exhibitions, as well as privileges and discounts for selected programmes. You can also get unique museum merchandise and the Gallery’s culinary offerings at a discount. This sounds really good as it is a great time to explore such options now. Travelling is definitely not available in the near term. However it is not all doom and gloom. There are other things to do and appreciate in Singapore.

Click here at https://www.nationalgallery.sg/support/join/membership to get your FREE ONE Year Gallery Insider membership. This is worth up to $120 in value from unlimited and priority access to all exhibitions. There is a bonus perk of up to 15% discounts on dining and shopping. This is pretty decent.

Free Perk

This Free perk will end on 31 October 2020 so get it as soon as possible. Don’t forget you need to be there physically to activate your membership before October 2020.

However do note that this is for Singaporeans and Singapore PRs. Time to explore Singapore. It is not a sponsored post but I find this a great initiative and also a good way to find out more about Singapore.

Disclaimer

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 National Gallery website for this article.