If your goal is $150k by 30, how much do you actually need to save each month?
In Part 2 of How To Adult featuring Joshua Chim, General Manager of FSMOne, let us join Sherine and Charmaine to break down his monthly savings, whether he tracked every cent, and if keeping tabs on your spending is really necessary to reach your financial goals.
Watch the full episode here: https://www.youtube.com/watch?v=cAxNqVweIbM
Step into the past, present, and future of investing at FSM Invest Expo 2026 on 17 January 2026! Unlock expert insights, learn how to invest profitably, and register for free now: https://bit.ly/investexpo2026
In Part 2 of How To Adult featuring Joshua Chim, General Manager of FSMOne, let us join Sherine and Charmaine to break down his monthly savings, whether he tracked every cent, and if keeping tabs on your spending is really necessary to reach your financial goals.
Watch the full episode here: https://www.youtube.com/watch?v=cAxNqVweIbM
Step into the past, present, and future of investing at FSM Invest Expo 2026 on 17 January 2026! Unlock expert insights, learn how to invest profitably, and register for free now: https://bit.ly/investexpo2026
YouTube
Every Cent Counts… Or Does It? | How To Adult Ep.6 (Part 2)
If your goal is $150k by 30, how much do you actually need to save each month?
In this episode of How To Adult, Joshua Chim, General Manager of FSMOne, joins Sherine and Charmaine to break down his monthly savings, whether he tracked every cent, and if keeping…
In this episode of How To Adult, Joshua Chim, General Manager of FSMOne, joins Sherine and Charmaine to break down his monthly savings, whether he tracked every cent, and if keeping…
iFAST Daily Brew ☕️ - 24 December 2025
US Growth Hits Two-Year High
🇺🇸 S&P 500: 6,917 (0.46%) 📈
🇺🇸 NASDAQ: 23,576 (0.57%) 📈
🇪🇺 STOXX 600: 589 (0.34%) 📈
🇯🇵 Nikkei 225: 50,413 (0.02%) 📈
🇭🇰 Hang Seng: 25,853 (-0.11%) 📉
🇨🇳 CSI 300: 4,629 (0.20%) 📈
🇸🇬 STI: 4,640 (0.62%) 📈
3 Things You Need To Know
1. The U.S. Bureau of Economic Analysis reported that real GDP increased at an annualized rate of 4.3% in the third quarter, significantly exceeding consensus estimates of 3.2% and driven by robust gains in consumer spending and exports despite the recent government shutdown delay.
2. ByteDance’s private market valuation climbed to a record $500 billion, marking a new milestone for the Chinese tech giant as it advances a complex plan to divest its U.S. TikTok operations into a joint venture with Oracle and Silver Lake.
3. The Office of the U.S. Trade Representative confirmed that new tariffs on Chinese-made semiconductors will take effect in June 2027, a strategic move aimed at protecting the domestic chip supply chain following a comprehensive investigation into foreign trade practices.
___
Follow us on Instagram for more bite-sized investing ideas!
US Growth Hits Two-Year High
🇺🇸 S&P 500: 6,917 (0.46%) 📈
🇺🇸 NASDAQ: 23,576 (0.57%) 📈
🇪🇺 STOXX 600: 589 (0.34%) 📈
🇯🇵 Nikkei 225: 50,413 (0.02%) 📈
🇭🇰 Hang Seng: 25,853 (-0.11%) 📉
🇨🇳 CSI 300: 4,629 (0.20%) 📈
🇸🇬 STI: 4,640 (0.62%) 📈
3 Things You Need To Know
1. The U.S. Bureau of Economic Analysis reported that real GDP increased at an annualized rate of 4.3% in the third quarter, significantly exceeding consensus estimates of 3.2% and driven by robust gains in consumer spending and exports despite the recent government shutdown delay.
2. ByteDance’s private market valuation climbed to a record $500 billion, marking a new milestone for the Chinese tech giant as it advances a complex plan to divest its U.S. TikTok operations into a joint venture with Oracle and Silver Lake.
3. The Office of the U.S. Trade Representative confirmed that new tariffs on Chinese-made semiconductors will take effect in June 2027, a strategic move aimed at protecting the domestic chip supply chain following a comprehensive investigation into foreign trade practices.
___
Follow us on Instagram for more bite-sized investing ideas!
Instagram
5,115 Followers, 10 Following, 1,146 Posts - See Instagram photos and videos from FSMOne (@fsmone_sg)
❤1
Macro Research: iFAST 2026 Investment Outlook: Home Ground Advantage
After several years of muted returns, Singapore equities gained momentum in 2025, and promising opportunities are now emerging closer to home. We highlight 13 key themes investors should watch in the year ahead:
1. Singapore: Now is the best time to buy Singapore equities
2. Malaysian equities poised for a strong rebound as headwinds ease
3. China and Hong Kong set to build on momentum and extend their rally into 2026
4. AI spending should sustain strength in the US economy, but cracks are showing
5. Digital Economy: Valuations of internet stocks reasonable, select areas still offer attractive opportunities.
6. Digital Economy: Earnings momentum of semiconductors intact, but early bubble signs are emerging
7. Asia, particularly Taiwan and South Korea, offers a cheaper way to play the AI boom beyond US semiconductors
8. Digital Economy: China’s tech engine gains speed with powerful policy backing
9. Europe: Balanced growth, stable earnings, and diversification opportunities – at a reasonable price
10. Japan: Structural transformation and corporate reforms keep the market on solid ground
11. Fixed Income: Opportunities in medium-term bonds; stick to IG bonds, and be selective in high yield space
12. Approach gold with caution. Don’t buy it in the hope of further rallies or use it as a supposed safe haven
13. Currencies: Expect USD to weaken, but at a slower pace; SGD is still our top currency pick
📖: Read the full article here
___
Follow us on Instagram for more bite-sized investing ideas!
After several years of muted returns, Singapore equities gained momentum in 2025, and promising opportunities are now emerging closer to home. We highlight 13 key themes investors should watch in the year ahead:
1. Singapore: Now is the best time to buy Singapore equities
2. Malaysian equities poised for a strong rebound as headwinds ease
3. China and Hong Kong set to build on momentum and extend their rally into 2026
4. AI spending should sustain strength in the US economy, but cracks are showing
5. Digital Economy: Valuations of internet stocks reasonable, select areas still offer attractive opportunities.
6. Digital Economy: Earnings momentum of semiconductors intact, but early bubble signs are emerging
7. Asia, particularly Taiwan and South Korea, offers a cheaper way to play the AI boom beyond US semiconductors
8. Digital Economy: China’s tech engine gains speed with powerful policy backing
9. Europe: Balanced growth, stable earnings, and diversification opportunities – at a reasonable price
10. Japan: Structural transformation and corporate reforms keep the market on solid ground
11. Fixed Income: Opportunities in medium-term bonds; stick to IG bonds, and be selective in high yield space
12. Approach gold with caution. Don’t buy it in the hope of further rallies or use it as a supposed safe haven
13. Currencies: Expect USD to weaken, but at a slower pace; SGD is still our top currency pick
📖: Read the full article here
___
Follow us on Instagram for more bite-sized investing ideas!
FSMOne Singapore
iFAST 2026 Investment Outlook: Home Ground Advantage | FSMOne Singapore
After several years of muted returns, Singapore equities gained momentum in 2025, and promising opportunities are now emerging closer to home. We highlight 13 key themes investors should watch in the year ahead.
❤4
FSM Global - Research Highlights pinned «Macro Research: iFAST 2026 Investment Outlook: Home Ground Advantage After several years of muted returns, Singapore equities gained momentum in 2025, and promising opportunities are now emerging closer to home. We highlight 13 key themes investors should…»
iFAST Daily Brew ☕️ - 26 December 2025
Holiday silence grips global bourses
🇺🇸 S&P 500: 6,939 Market Closed
🇺🇸 NASDAQ: 23,628 Market Closed
🇪🇺 STOXX 600: 589 Market Closed
🇯🇵 Nikkei 225: 50,408 (0.13%) 📈
🇭🇰 Hang Seng: 25,898 Market Closed
🇨🇳 CSI 300: 4,651 (0.20%) 📈
🇸🇬 STI: 4,637 Market Closed
3 Things You Need To Know
1. Contemporary Amperex Technology Co. Limited (CATL) is reportedly set to receive regulatory approval to restart its massive Yichun lithium mine in eastern China, a move aimed at securing domestic supply chains for battery minerals amid a projected rebound in global electric vehicle demand for 2026.
2. China’s central bank (PBOC) has pledged to maintain a "basically stable" yuan while providing targeted liquidity to support urban renewal projects, a strategy designed to steady market expectations after the Shanghai Composite hit a one-month high during the holiday trade.
3. Pop Mart International reported a surge in holiday sales across its Southeast Asian retail footprint, citing strong demand for its "blind box" collectibles which has driven the company to explore further physical store expansions in Malaysia and Vietnam for the upcoming fiscal year.
___
Follow us on Instagram for more bite-sized investing ideas!
Holiday silence grips global bourses
🇺🇸 S&P 500: 6,939 Market Closed
🇺🇸 NASDAQ: 23,628 Market Closed
🇪🇺 STOXX 600: 589 Market Closed
🇯🇵 Nikkei 225: 50,408 (0.13%) 📈
🇭🇰 Hang Seng: 25,898 Market Closed
🇨🇳 CSI 300: 4,651 (0.20%) 📈
🇸🇬 STI: 4,637 Market Closed
3 Things You Need To Know
1. Contemporary Amperex Technology Co. Limited (CATL) is reportedly set to receive regulatory approval to restart its massive Yichun lithium mine in eastern China, a move aimed at securing domestic supply chains for battery minerals amid a projected rebound in global electric vehicle demand for 2026.
2. China’s central bank (PBOC) has pledged to maintain a "basically stable" yuan while providing targeted liquidity to support urban renewal projects, a strategy designed to steady market expectations after the Shanghai Composite hit a one-month high during the holiday trade.
3. Pop Mart International reported a surge in holiday sales across its Southeast Asian retail footprint, citing strong demand for its "blind box" collectibles which has driven the company to explore further physical store expansions in Malaysia and Vietnam for the upcoming fiscal year.
___
Follow us on Instagram for more bite-sized investing ideas!
Instagram
5,115 Followers, 10 Following, 1,146 Posts - See Instagram photos and videos from FSMOne (@fsmone_sg)
❤1
Macro Research: Upgrade to 3.5 Stars: Chinese equities set to extend their rally into 2026
• Chinese equities emerged as a true “dark horse” in 2025, validating our constructive stance in last year’s outlook, with the market gaining over 20% YTD.
• Private sector support is strengthening, backed by legal frameworks that reduce the risk of abrupt policy changes. Private enterprises are receiving greater attention, funding, and government support, reinforcing growth confidence.
• Chinese equities remain attractively valued. The MSCI China Index and Hang Seng Tech Index projected to deliver around 20% and 38% upside, respectively, by FY2027. Therefore, we raise the market’s rating from the 3.0 to 3.5 stars, reflecting an “Attractive” investment outlook.
📖: Read the full article here
___
Follow us on Instagram for more bite-sized investing ideas!
• Chinese equities emerged as a true “dark horse” in 2025, validating our constructive stance in last year’s outlook, with the market gaining over 20% YTD.
• Private sector support is strengthening, backed by legal frameworks that reduce the risk of abrupt policy changes. Private enterprises are receiving greater attention, funding, and government support, reinforcing growth confidence.
• Chinese equities remain attractively valued. The MSCI China Index and Hang Seng Tech Index projected to deliver around 20% and 38% upside, respectively, by FY2027. Therefore, we raise the market’s rating from the 3.0 to 3.5 stars, reflecting an “Attractive” investment outlook.
📖: Read the full article here
___
Follow us on Instagram for more bite-sized investing ideas!
FSMOne Singapore
FSMOne Singapore - Formerly Fundsupermart.com (FSM)
Top Wealth Mgt platform in Singapore. Cash, Auto-Sweep, Funds, Bonds, Stocks, ETFs, Managed Portfolios, Debit Card & Insurance! Invest in SG, US, HK, CN, MY & UK markets with one account.
❤2👍2
Bonds: Idea of the Week: Coty’s attractive bonds are supported by its global beauty business
• Coty is one of the world's largest beauty brands, with a portfolio of 34 brands including Prestige favourites like Calvin Klein.
• We expect the company to remain resilient despite several headwinds, with its cashflows staying consistently in the green thus far.
• Coty's bonds are generally yielding 5% or higher (USD), with investment-grade ratings from S&P and Fitch. We think their 2029 and 2030 bonds are decent propositions for investors seeking higher yields.
📖: Read the full article here
___
Follow us on Instagram for more bite-sized investing ideas!
• Coty is one of the world's largest beauty brands, with a portfolio of 34 brands including Prestige favourites like Calvin Klein.
• We expect the company to remain resilient despite several headwinds, with its cashflows staying consistently in the green thus far.
• Coty's bonds are generally yielding 5% or higher (USD), with investment-grade ratings from S&P and Fitch. We think their 2029 and 2030 bonds are decent propositions for investors seeking higher yields.
📖: Read the full article here
___
Follow us on Instagram for more bite-sized investing ideas!
FSMOne Singapore
FSMOne Singapore - Formerly Fundsupermart.com (FSM)
Top Wealth Mgt platform in Singapore. Cash, Auto-Sweep, Funds, Bonds, Stocks, ETFs, Managed Portfolios, Debit Card & Insurance! Invest in SG, US, HK, CN, MY & UK markets with one account.
iFAST Daily Brew ☕️ - 29 December 2025
Liquidity thin amidst holiday season; most markets somewhat flat
🇺🇸 S&P 500: 6,937 (-0.02%) 📉
🇺🇸 NASDAQ: 23,608 (-0.09%) 📉
🇪🇺 STOXX 600: 589 (0.00%) Market Closed
🇯🇵 Nikkei 225: 50,750 (0.68%) 📈
🇭🇰 Hang Seng: 25,898 (0.00%) Market Closed
🇨🇳 CSI 300: 4,666 (0.32%) 📈
🇸🇬 STI: 4,637 (0.00%) 📉
3 Things You Need To Know
1. The FOMC will release their minutes on Wednesday morning (Singapore time). These minutes will provide some critical insight into how Fed members view the trajectory of the economy ahead of its next meeting in late January. Markets are currently expecting the Fed to hold in Jan.
2. The weekly jobless claims report, due Wednesday, will shine a light on the labour market as the Fed keeps a close eye on jobs while it considers its next move on interest rates. The U.S. economy likely lost an average of 20,000 jobs per month between April and September.
3. Gold, silver and platinum jumped to all-time highs to extend a historic end-of-year rally for precious metals, with support from escalating geopolitical tensions and US dollar weakness.
___
Follow us on Instagram for more bite-sized investing ideas!
Liquidity thin amidst holiday season; most markets somewhat flat
🇺🇸 S&P 500: 6,937 (-0.02%) 📉
🇺🇸 NASDAQ: 23,608 (-0.09%) 📉
🇪🇺 STOXX 600: 589 (0.00%) Market Closed
🇯🇵 Nikkei 225: 50,750 (0.68%) 📈
🇭🇰 Hang Seng: 25,898 (0.00%) Market Closed
🇨🇳 CSI 300: 4,666 (0.32%) 📈
🇸🇬 STI: 4,637 (0.00%) 📉
3 Things You Need To Know
1. The FOMC will release their minutes on Wednesday morning (Singapore time). These minutes will provide some critical insight into how Fed members view the trajectory of the economy ahead of its next meeting in late January. Markets are currently expecting the Fed to hold in Jan.
2. The weekly jobless claims report, due Wednesday, will shine a light on the labour market as the Fed keeps a close eye on jobs while it considers its next move on interest rates. The U.S. economy likely lost an average of 20,000 jobs per month between April and September.
3. Gold, silver and platinum jumped to all-time highs to extend a historic end-of-year rally for precious metals, with support from escalating geopolitical tensions and US dollar weakness.
___
Follow us on Instagram for more bite-sized investing ideas!
Instagram
5,115 Followers, 10 Following, 1,146 Posts - See Instagram photos and videos from FSMOne (@fsmone_sg)
❤1
Stock: Adobe is trading at 2-year low – Is it a value trap?
• Adobe continues to benefit from a broad suite of products, including Photoshop, Illustrator, Premiere Pro, and Acrobat. Its digital media segment generated USD 4.6 billion in revenue last quarter (+12% yoy).
• In our view, unless competing GenAI models can resolve copyright governance at scale, Adobe’s enterprises base (its most profitable segment) should remain sticky.
• As such, we assign a lower fair P/E multiple of 19x, representing a discount to the historical forward P/E of 21x, and implying an upside potential of 43% based on 2027 earnings.
📖: Read More Here
___
Follow us on Instagram for more bite-sized investing ideas!
• Adobe continues to benefit from a broad suite of products, including Photoshop, Illustrator, Premiere Pro, and Acrobat. Its digital media segment generated USD 4.6 billion in revenue last quarter (+12% yoy).
• In our view, unless competing GenAI models can resolve copyright governance at scale, Adobe’s enterprises base (its most profitable segment) should remain sticky.
• As such, we assign a lower fair P/E multiple of 19x, representing a discount to the historical forward P/E of 21x, and implying an upside potential of 43% based on 2027 earnings.
📖: Read More Here
___
Follow us on Instagram for more bite-sized investing ideas!
FSMOne Singapore
FSMOne Singapore - Formerly Fundsupermart.com (FSM)
Top Wealth Mgt platform in Singapore. Cash, Auto-Sweep, Funds, Bonds, Stocks, ETFs, Managed Portfolios, Debit Card & Insurance! Invest in SG, US, HK, CN, MY & UK markets with one account.
❤2👍1
iFAST Daily Brew ☕️ - 30 December 2025
Most markets subdued; Europe gains
🇺🇸 S&P 500: 6,913 (-0.35%) 📉
🇺🇸 NASDAQ: 23,489 (-0.50%) 📉
🇪🇺 STOXX 600: 590 (0.11%) 📈
🇯🇵 Nikkei 225: 50,577 (-0.34%) 📉
🇭🇰 Hang Seng: 25,714 (-0.71%) 📉
🇨🇳 CSI 300: 4,648 (-0.38%) 📉
🇸🇬 STI: 4,634 (-0.05%) 📉
3 Things You Need To Know
1. Bank of Japan (BOJ) policymakers debated the need to keep raising interest rates even after a hike in December with one calling for increases every few months, a summary of opinions showed, highlighting their focus on inflationary pressures.
2. Bank of America Corp chief executive officer Brian Moynihan said he expects the Trump administration to de-escalate trade tensions next year after tariffs sent shockwaves through the US economy in 2025.
3. China pledged to broaden its fiscal spending base in 2026, signalling sustained government support to drive growth in a challenging external environment. Beijing will expand targeted investment for priority sectors such as advanced manufacturing, tech innovation and development of human capital, according to a statement from the Ministry of Finance on Sunday.
___
Follow us on Instagram for more bite-sized investing ideas!
Most markets subdued; Europe gains
🇺🇸 S&P 500: 6,913 (-0.35%) 📉
🇺🇸 NASDAQ: 23,489 (-0.50%) 📉
🇪🇺 STOXX 600: 590 (0.11%) 📈
🇯🇵 Nikkei 225: 50,577 (-0.34%) 📉
🇭🇰 Hang Seng: 25,714 (-0.71%) 📉
🇨🇳 CSI 300: 4,648 (-0.38%) 📉
🇸🇬 STI: 4,634 (-0.05%) 📉
3 Things You Need To Know
1. Bank of Japan (BOJ) policymakers debated the need to keep raising interest rates even after a hike in December with one calling for increases every few months, a summary of opinions showed, highlighting their focus on inflationary pressures.
2. Bank of America Corp chief executive officer Brian Moynihan said he expects the Trump administration to de-escalate trade tensions next year after tariffs sent shockwaves through the US economy in 2025.
3. China pledged to broaden its fiscal spending base in 2026, signalling sustained government support to drive growth in a challenging external environment. Beijing will expand targeted investment for priority sectors such as advanced manufacturing, tech innovation and development of human capital, according to a statement from the Ministry of Finance on Sunday.
___
Follow us on Instagram for more bite-sized investing ideas!
Instagram
5,115 Followers, 10 Following, 1,146 Posts - See Instagram photos and videos from FSMOne (@fsmone_sg)
❤2
Macro Research: Europe Outlook 2026: Access growth at a reasonable price
• Europe’s earnings outlook is anchored by financials and healthcare as core pillars. Cyclical sectors could also rebound, with defence-led spending supporting a recovery across industrials.
• Europe is positioned as the primary liquid alternative to the US assets. As hedge fund positioning data and ETF flow suggest, global investors increasingly rotate into Europe when sentiment toward the US deteriorates.
• Europe offers access to growth at a reasonable price, supporting a constructive upgrade in market attractiveness. With earnings growth expected to rebound toward an estimated 10% in 2026 and valuations still at a meaningful discount to the US. With fair PE ratio of 15, we forecast upside potential of 14.5% by year end of 2027.
📖: Read the full article here
___
Follow us on Instagram for more bite-sized investing ideas!
• Europe’s earnings outlook is anchored by financials and healthcare as core pillars. Cyclical sectors could also rebound, with defence-led spending supporting a recovery across industrials.
• Europe is positioned as the primary liquid alternative to the US assets. As hedge fund positioning data and ETF flow suggest, global investors increasingly rotate into Europe when sentiment toward the US deteriorates.
• Europe offers access to growth at a reasonable price, supporting a constructive upgrade in market attractiveness. With earnings growth expected to rebound toward an estimated 10% in 2026 and valuations still at a meaningful discount to the US. With fair PE ratio of 15, we forecast upside potential of 14.5% by year end of 2027.
📖: Read the full article here
___
Follow us on Instagram for more bite-sized investing ideas!
FSMOne Singapore
Europe Outlook 2026: Access growth at a reasonable price | FSMOne Singapore
Europe offers investors a combination of improving earnings growth and reasonable valuations.
❤1
iFAST Daily Brew ☕️ - 31 December 2025
Most markets rally into New Year’s Eve; US, Japan slip
🇺🇸 S&P 500: 6,903 (-0.14%) 📉
🇺🇸 NASDAQ: 23,432 (-0.24%) 📉
🇪🇺 STOXX 600: 593 (0.60%) 📈
🇯🇵 Nikkei 225: 50,390 (-0.37%) 📉
🇭🇰 Hang Seng: 25,934 (0.86%) 📈
🇨🇳 CSI 300: 4,660 (0.26%) 📈
🇸🇬 STI: 4,656 (0.47%) 📈
3 Things You Need To Know
1. Global stocks are poised for their biggest annual gain in six years, amidst Fed easing and AI enthusiasm. The MSCI All Country World Index — one of the broadest measures of the equity market — has gained 21% this year with just one trading day of 2025 remaining.
2. Pending sales of US existing homes climbed by more than expected in November as a modest improvement in prices and mortgage rates encouraged buyers. An index of contract signings rose 3.3% to 79.2 last month, the highest level since February 2023.
3. The yuan strengthened beyond the key seven-per-dollar level in the more tightly controlled onshore market for the first time since 2023, signalling China’s comfort with further currency appreciation.
___
Follow us on Instagram for more bite-sized investing ideas!
Most markets rally into New Year’s Eve; US, Japan slip
🇺🇸 S&P 500: 6,903 (-0.14%) 📉
🇺🇸 NASDAQ: 23,432 (-0.24%) 📉
🇪🇺 STOXX 600: 593 (0.60%) 📈
🇯🇵 Nikkei 225: 50,390 (-0.37%) 📉
🇭🇰 Hang Seng: 25,934 (0.86%) 📈
🇨🇳 CSI 300: 4,660 (0.26%) 📈
🇸🇬 STI: 4,656 (0.47%) 📈
3 Things You Need To Know
1. Global stocks are poised for their biggest annual gain in six years, amidst Fed easing and AI enthusiasm. The MSCI All Country World Index — one of the broadest measures of the equity market — has gained 21% this year with just one trading day of 2025 remaining.
2. Pending sales of US existing homes climbed by more than expected in November as a modest improvement in prices and mortgage rates encouraged buyers. An index of contract signings rose 3.3% to 79.2 last month, the highest level since February 2023.
3. The yuan strengthened beyond the key seven-per-dollar level in the more tightly controlled onshore market for the first time since 2023, signalling China’s comfort with further currency appreciation.
___
Follow us on Instagram for more bite-sized investing ideas!
Instagram
5,115 Followers, 10 Following, 1,146 Posts - See Instagram photos and videos from FSMOne (@fsmone_sg)
They say that when our salary goes up, our expenses somehow follow. But is lifestyle creep really unavoidable, or are we just not paying enough attention?
In this episode of How To Adult, Joshua Chim, General Manager of FSMOne, joins Sherine and Charmaine to unpack lifestyle creep - that sneaky habit of spending more just because you earn more. They share easy money-saving habits, credit card hacks, budget-friendly travel tips, and simple life tweaks to help you enjoy life without letting your expenses creep up too fast.
Watch the full episode here: https://www.youtube.com/watch?v=IVdcoHTEQbk
Step into the past, present, and future of investing at FSM Invest Expo 2026 on 17 January 2026! Unlock expert insights, learn how to invest profitably, and register for free now: https://bit.ly/investexpo2026
In this episode of How To Adult, Joshua Chim, General Manager of FSMOne, joins Sherine and Charmaine to unpack lifestyle creep - that sneaky habit of spending more just because you earn more. They share easy money-saving habits, credit card hacks, budget-friendly travel tips, and simple life tweaks to help you enjoy life without letting your expenses creep up too fast.
Watch the full episode here: https://www.youtube.com/watch?v=IVdcoHTEQbk
Step into the past, present, and future of investing at FSM Invest Expo 2026 on 17 January 2026! Unlock expert insights, learn how to invest profitably, and register for free now: https://bit.ly/investexpo2026
YouTube
Is Lifestyle Creep Ruining Your Financial Goals? | How To Adult Ep.6 (Part 3)
They say that when our salary goes up, our expenses somehow follow. But is lifestyle creep really unavoidable, or are we just not paying enough attention?
In this episode of How To Adult, Joshua Chim, General Manager of FSMOne, joins Sherine and Charmaine…
In this episode of How To Adult, Joshua Chim, General Manager of FSMOne, joins Sherine and Charmaine…
❤2
Macro Research: Structural transformation will keep Japan on solid ground in 2026
• The Bank of Japan raised interest rates by 25bps to 0.75% on 19 December 2025, reaffirming Japan’s continued shift away from decades of ultra-loose monetary policy.
• Earnings are expected to remain resilient, driven by growth in technology sectors as Japan advances its ambitions in semiconductor manufacturing and the domestic cloud ecosystem. Consumer and financial sectors are also poised to deliver steady growth.
• We project the Nikkei 225 Index to reach JPY 58,500 by FY2028 (year ended 31 March 2028), implying a 15.8% upside. Long-term valuation upgrades remain possible should capital efficiency continue to improve.
📖: Read the full article here
___
Follow us on Instagram for more bite-sized investing ideas!
• The Bank of Japan raised interest rates by 25bps to 0.75% on 19 December 2025, reaffirming Japan’s continued shift away from decades of ultra-loose monetary policy.
• Earnings are expected to remain resilient, driven by growth in technology sectors as Japan advances its ambitions in semiconductor manufacturing and the domestic cloud ecosystem. Consumer and financial sectors are also poised to deliver steady growth.
• We project the Nikkei 225 Index to reach JPY 58,500 by FY2028 (year ended 31 March 2028), implying a 15.8% upside. Long-term valuation upgrades remain possible should capital efficiency continue to improve.
📖: Read the full article here
___
Follow us on Instagram for more bite-sized investing ideas!
FSMOne Singapore
FSMOne Singapore - Formerly Fundsupermart.com (FSM)
Top Wealth Mgt platform in Singapore. Cash, Auto-Sweep, Funds, Bonds, Stocks, ETFs, Managed Portfolios, Debit Card & Insurance! Invest in SG, US, HK, CN, MY & UK markets with one account.
❤2
Bonds: The Credit Cheat sheet: Your 2026 Credit Playbook
We summarise the latest happenings in the bond space and highlight how you should position your fixed-income portfolio for 2026!
📖: Read the full article here
___
Follow us on Instagram for more bite-sized investing ideas!
We summarise the latest happenings in the bond space and highlight how you should position your fixed-income portfolio for 2026!
📖: Read the full article here
___
Follow us on Instagram for more bite-sized investing ideas!
FSMOne Singapore
The Credit Cheat Sheet: Your 2026 Credit Playbook | FSMOne Singapore
We summarise the latest happenings in the bond space and highlight how you should position your fixed-income portfolio for 2026!
iFAST Daily Brew ☕️ - 5 January 2026
Wall Street ended mixed; Hong Kong stocks made a strong start to 2026
🇺🇸 S&P 500: 6,866 (0.20%) 📈
🇺🇸 NASDAQ: 23,251 (-0.02%) 📉
🇪🇺 STOXX 600: 597 (0.67%) 📈
🇯🇵 Nikkei 225: 50,390 (0.00%) Market Closed
🇭🇰 Hang Seng: 26,419 (2.76%) 📈
🇨🇳 CSI 300: 4,638 (0.00%) Market Closed
🇸🇬 STI: 4,657 (0.21%) 📈
3 Things You Need To Know
1. The US has detained Venezuela’s Nicolás Maduro in New York while power has shifted to VP Delcy Rodríguez, as Washington signals it wants influence, especially over oil rather than boots on the ground, leaving Venezuela’s future highly uncertain.
2. China’s AI chip drive got a fresh boost as GPU designer Shanghai Biren surged nearly 76% on its Hong Kong debut. The USD 717m float was swamped by demand, as a wave of China AI flotations gathers pace, with MiniMax, Zhipu, and Baidu’s AI chip unit filing.
3. Markets displayed resilience heading into 2026, with European equities at records and US indices near highs despite AI bubble fears and geopolitical tensions, but investors should position cautiously for potential volatility.
___
Follow us on Instagram for more bite-sized investing ideas!
Wall Street ended mixed; Hong Kong stocks made a strong start to 2026
🇺🇸 S&P 500: 6,866 (0.20%) 📈
🇺🇸 NASDAQ: 23,251 (-0.02%) 📉
🇪🇺 STOXX 600: 597 (0.67%) 📈
🇯🇵 Nikkei 225: 50,390 (0.00%) Market Closed
🇭🇰 Hang Seng: 26,419 (2.76%) 📈
🇨🇳 CSI 300: 4,638 (0.00%) Market Closed
🇸🇬 STI: 4,657 (0.21%) 📈
3 Things You Need To Know
1. The US has detained Venezuela’s Nicolás Maduro in New York while power has shifted to VP Delcy Rodríguez, as Washington signals it wants influence, especially over oil rather than boots on the ground, leaving Venezuela’s future highly uncertain.
2. China’s AI chip drive got a fresh boost as GPU designer Shanghai Biren surged nearly 76% on its Hong Kong debut. The USD 717m float was swamped by demand, as a wave of China AI flotations gathers pace, with MiniMax, Zhipu, and Baidu’s AI chip unit filing.
3. Markets displayed resilience heading into 2026, with European equities at records and US indices near highs despite AI bubble fears and geopolitical tensions, but investors should position cautiously for potential volatility.
___
Follow us on Instagram for more bite-sized investing ideas!
❤1
iFAST Daily Brew ☕️ - 6 January 2026
Global stocks started the first full week of 2026 with strength; rally on AI and tech optimism
🇺🇸 S&P 500: 6,909 (0.64%) 📈
🇺🇸 NASDAQ: 23,411 (0.69%) 📈
🇪🇺 STOXX 600: 602 (0.94%) 📈
🇯🇵 Nikkei 225: 51,885 (2.97%) 📈
🇭🇰 Hang Seng: 26,407 (0.03%) 📈
🇨🇳 CSI 300: 4,726 (1.90%) 📈
🇸🇬 STI: 4,681 (0.52%) 📈
3 Things You Need To Know
1. Jensen Huang said Nvidia’s next-gen Rubin data-centre chips are on track for release this year, with customers set to trial them soon. Rubin is billed as faster for training and inference than Blackwell. Nvidia also unveiled new tools for autonomous cars and robots.
2. OECD members agreed to carve US multinationals out of the 15% global minimum tax, after Trump pulled the US from the pact, while other countries are effectively blocked from imposing “top-up” taxes on US groups’ foreign subsidiaries.
3. Asia market is rallying, driven by supportive liquidity conditions, with tech leading gains. Investors are leaning into the view that earnings visibility still outweighs macro fears, keeping sentiment constructive.
___
Follow us on Instagram for more bite-sized investing ideas!
Global stocks started the first full week of 2026 with strength; rally on AI and tech optimism
🇺🇸 S&P 500: 6,909 (0.64%) 📈
🇺🇸 NASDAQ: 23,411 (0.69%) 📈
🇪🇺 STOXX 600: 602 (0.94%) 📈
🇯🇵 Nikkei 225: 51,885 (2.97%) 📈
🇭🇰 Hang Seng: 26,407 (0.03%) 📈
🇨🇳 CSI 300: 4,726 (1.90%) 📈
🇸🇬 STI: 4,681 (0.52%) 📈
3 Things You Need To Know
1. Jensen Huang said Nvidia’s next-gen Rubin data-centre chips are on track for release this year, with customers set to trial them soon. Rubin is billed as faster for training and inference than Blackwell. Nvidia also unveiled new tools for autonomous cars and robots.
2. OECD members agreed to carve US multinationals out of the 15% global minimum tax, after Trump pulled the US from the pact, while other countries are effectively blocked from imposing “top-up” taxes on US groups’ foreign subsidiaries.
3. Asia market is rallying, driven by supportive liquidity conditions, with tech leading gains. Investors are leaning into the view that earnings visibility still outweighs macro fears, keeping sentiment constructive.
___
Follow us on Instagram for more bite-sized investing ideas!
❤3
iFAST Daily Brew ☕️ - 7 January 2026
S&P 500 clocked fresh highs; Chinese stocks rally to a four-year high in a tech-driven rebound
🇺🇸 S&P 500: 6,951 (0.63%) 📈
🇺🇸 NASDAQ: 23,559 (0.65%) 📈
🇪🇺 STOXX 600: 606 (0.58%) 📈
🇯🇵 Nikkei 225: 52,571 (1.32%) 📈
🇭🇰 Hang Seng: 26,712 (1.38%) 📈
🇨🇳 CSI 300: 4,799 (1.55%) 📈
🇸🇬 STI: 4,740 (1.27%) 📈
3 Things You Need To Know
1. AMD launched its MI440X AI chip at CES, targeting smaller corporate data centres and emphasising on-premise deployments to keep data in-house, competing with Nvidia’s market dominance.
2. Oil rose as traders assessed the potential 2026 surplus and Venezuela uncertainty after Maduro’s capture, as easing sanctions could boost Venezuela’s ~1.1 mbpd output and 303 bn barrels of reserves. Still, significant gains would require years and capital.
3. China’s rally is expanding into a noticeable shift toward Chinese tech stocks, as investors seek cheaper AI exposure than frothy US peers. A stronger yuan and increased expectations for 2026 policy support are propelling this trend, although the momentum seems increasingly stretched.
___
Follow us on Instagram for more bite-sized investing ideas!
S&P 500 clocked fresh highs; Chinese stocks rally to a four-year high in a tech-driven rebound
🇺🇸 S&P 500: 6,951 (0.63%) 📈
🇺🇸 NASDAQ: 23,559 (0.65%) 📈
🇪🇺 STOXX 600: 606 (0.58%) 📈
🇯🇵 Nikkei 225: 52,571 (1.32%) 📈
🇭🇰 Hang Seng: 26,712 (1.38%) 📈
🇨🇳 CSI 300: 4,799 (1.55%) 📈
🇸🇬 STI: 4,740 (1.27%) 📈
3 Things You Need To Know
1. AMD launched its MI440X AI chip at CES, targeting smaller corporate data centres and emphasising on-premise deployments to keep data in-house, competing with Nvidia’s market dominance.
2. Oil rose as traders assessed the potential 2026 surplus and Venezuela uncertainty after Maduro’s capture, as easing sanctions could boost Venezuela’s ~1.1 mbpd output and 303 bn barrels of reserves. Still, significant gains would require years and capital.
3. China’s rally is expanding into a noticeable shift toward Chinese tech stocks, as investors seek cheaper AI exposure than frothy US peers. A stronger yuan and increased expectations for 2026 policy support are propelling this trend, although the momentum seems increasingly stretched.
___
Follow us on Instagram for more bite-sized investing ideas!
❤1
Starting investing can feel confusing, especially when you’re not sure whether to DIY your investments or work with a financial planner. How much is too much to invest, and what goals actually make sense for beginners?
In this episode of How To Adult, Joshua Chim, General Manager of FSMOne, joins Sherine and Charmaine to share beginner investing tips, common money mistakes, and realistic goals investors can set as they start their investing journey.
Watch the full episode here: https://www.youtube.com/watch?v=uRIPhB0G0IA
Step into the past, present, and future of investing at FSM Invest Expo 2026 on 17 January 2026! Unlock expert insights, learn how to invest profitably, and register for free now: https://bit.ly/investexpo2026
In this episode of How To Adult, Joshua Chim, General Manager of FSMOne, joins Sherine and Charmaine to share beginner investing tips, common money mistakes, and realistic goals investors can set as they start their investing journey.
Watch the full episode here: https://www.youtube.com/watch?v=uRIPhB0G0IA
Step into the past, present, and future of investing at FSM Invest Expo 2026 on 17 January 2026! Unlock expert insights, learn how to invest profitably, and register for free now: https://bit.ly/investexpo2026
YouTube
Things I Wish I Knew Before I Started Investing | How To Adult Ep.6 (Part 4)
Starting investing can feel confusing, especially when you’re not sure whether to DIY your investments or work with a financial planner. How much is too much to invest, and what goals actually make sense for beginners?
In this episode of How To Adult, Joshua…
In this episode of How To Adult, Joshua…