🔥 DBS x SingSaver Exclusive: Get up to S$479 in Rewards!

✈️ DBS Altitude AMEX: https://hmsg.link/dbsaltamex
✈️ DBS Altitude Visa Signature: https://hmsg.link/dbsaltvisa
🛍️ DBS yuu AMEX: https://hmsg.link/dbsyuuamex
🛍️ DBS yuu Visa: https://hmsg.link/dbsyuu
💳 POSB Everyday Card: https://hmsg.link/posbeveryday

From 16 Jul to 2 Aug 2026, new DBS/POSB credit card customers can choose from:

🎧 Sony WF-1000XM6 earbuds worth S$479
✈️ 22,000 MaxMiles by HeyMax worth S$396
🚕 S$375 Grab Voucher
💵 S$320 Cash via PayNow
🌬️ Dyson TP10

✅ Apply through SingSaver
✅ Enter promo code SINGSAVER during application
✅ Activate your approved card and spend at least S$500 within 30 days of approval
✅ Have a valid DBS PayLah! account by the end of the qualifying spend period

💰 New to DBS PayLah!? Get S$5 with referral code: CHRHAF684

⏰ Promotion ends 2 Aug 2026!

New DBS/POSB credit card customers only. You must not currently hold a principal DBS/POSB credit card or have cancelled one within the 12 months before applying. 

T&Cs apply https://singsaver.link/cc-rewards-campaign 

📘 My 10 Golden Rules of Investing (>100 downloads)
👉 Get the cheatsheet: https://ko-fi.com/s/50204def70 (FREE download)

I’ve turned the investing principles I personally follow into a simple, beginner-friendly cheatsheet.
It covers emergency funds, global index investing, CPF, market timing, leverage, dividends and staying disciplined for the long term.

These aren’t prescriptive rules. They are a framework to help you think through and structure your own investing plan.

🎥 Watch the full video: https://youtu.be/ZAOHGc95A0s 

My Investment Strategy Was Being Challenged at MooFest 2026

✅ Video: https://youtu.be/sW9_6YhjR9A

MooFest is back for 2026, this time at Marina Bay Sands Expo and Convention Centre, and I was on the speaker panel again this year. In this video I take you around the event, catch up with fellow finance creators, and dive into moomoo's AI Expert feature.

🐮 Moomoo SG https://hmsg.link/sgmoomoo code HMSG999 (Sponsor)
Welcome Rewards up to S$1,200*, with up to S$100 additional NVDA stocks when you use my special link or code. Click magnifying glass on moomoo app and type "Special Deposit" & input HMSG999

I wrote a PDF cheatsheet on 5 cards that genuinely charge S$0 annual fee. 
✅ FREE Download: https://ko-fi.com/s/8dd9eda0f4 

No conditions, no phone calls, no retention team dance.
I compared the fees, rates, and caps so you don't have to dig through T&Cs. Full breakdown + apply links inside.

Watch the video breakdown: https://www.youtube.com/watch?v=N1hjGa4tJb8

🇸🇬 Chocolate Finance SG61 Booster: Extra 1% p.a. for 61 days
👉 Check it out: https://hmsg.link/chocolate

Chocolate Finance is offering an extra 1% p.a. on up to S$20,000 of newly added SGD from 1 Aug to 30 Sep.
This means a total return of up to 3% p.a. (2% p.a. original + 1% p.a. booster)

This is especially straightforward for new accounts with a S$0 starting balance:
• Opt in before adding money
• Top up and maintain at least S$5,000 until 30 Sep
• The qualifying amount earns an extra 1% p.a. for up to 61 days

Example: If your starting balance is S$0 and you add S$20,000 after opting in, the full S$20,000 can qualify for the booster. The 1% p.a. extra return would be approximately S$33 for 61 days (on top of the original S$67 from 2% p.a.).

✅ Pros
• Easy to qualify with a new S$0 account
• Applies to up to S$20,000
• Existing users can also participate

⚠️ Take note
• You must opt in before topping up
• Maintain at least S$5,000 above your starting balance until 30 Sep
• The extra 1% p.a. is annualised, not a 1% cash bonus
- Chocolate Finance 🍫 https://hmsg.link/chocolate

T&Cs and source: https://www.chocolatefinance.com/sg61-birthday-booster
Disclaimer: Chocolate Finance is an investment product, not a bank account or fixed deposit. Capital and returns are not guaranteed, and your investment is not covered by SDIC deposit insurance. This is not financial advice.

I compared Broker Fees. IG Markets surprised me.

✅ Video: https://youtu.be/LWGAcQSZSfE

Every time you buy a US stock, UK ETF, or Hong Kong stock, your SGD gets converted, and most brokers quietly charge you about 0.5% for it. On $100,000 invested, that's $500 gone before your money even starts working. Here's my honest review of IG Markets, including their 0% FX conversion promotion and the 3% p.a. yield on your first S$50,000 shareholdings.

🔸 Sign up for IG Markets Singapore (Sponsor)
New clients can get up to S$258^ in welcome rewards. Open an account, deposit a minimum of $500 SGD, hold it for 30 days, and execute one eligible trade within the campaign period. ^T&Cs apply.

🚨 UOB Credit Cards: Grab S$400 Cash or a Dyson Airstrait
💳 Promotion Period: 1–31 August 2026

Apply for an eligible UOB credit card, activate it, and spend at least S$500 within the first month of card approval.

Eligible cards: UOB One, Absolute Cashback, PRVI Miles, EVOL, Lady’s, KrisFlyer and Visa Signature.

🎁 Rewards
The first 3 eligible applicants at 2PM, across all participating UOB cards, will receive one of these rewards instead of the base reward:
• S$400 cash via PayNow
• Dyson Airstrait worth S$799

All other eligible NTC applicants will receive S$95 cash via PayNow.

👉 Apply here:
UOB Absolute: https://hmsg.link/uobabsolute
UOB EVOL: https://hmsg.link/uobevol
UOB KrisFlyer: https://hmsg.link/uobkrisflyer
UOB Lady’s: https://hmsg.link/uoblady
UOB One: https://hmsg.link/uobonevisa
UOB PRVI Miles AMEX: https://hmsg.link/prviamex
UOB PRVI Miles Mastercard: https://hmsg.link/prvimc
UOB PRVI Miles Visa: https://hmsg.link/privisa
UOB Visa Signature: https://hmsg.link/uobvs

T&Cs apply https://singsaver.link/cc-rewards-campaign 

🇸🇬 Mari Invest SG61 Promo: Up to S$388 Bonus Units
Sign up 👉 https://hmsg.link/maribank

Invest fresh funds into the Mari Invest Singapore Equity and get:
S$1,000 → S$8 bonus (0.80%)
S$5,000 → S$48 bonus (0.96%)
S$10,000 → S$88 bonus (0.88%)
S$50,000 → S$388 bonus (0.78%)

Buy by 31 August 2026 and do not sell from 1 to 30 September 2026.
Limited to the first 3,000 invited eligible customers.

Under Mari Invest Singapore Equity, MariBank distributes the Amova Singapore Dividend Equity Fund - SGD Class.
Sign up 👉 https://hmsg.link/maribank

Investment products are not SDIC-insured and may result in losses. T&Cs apply.
Source: https://www.maribank.sg/promo/mari-invest-sg61 

🇸🇬SG61 OCBC x SingSaver: Extra S$61 Flash Deal ⚡
OCBC Infinity: https://hmsg.link/ocbcinfinity
OCBC 365: https://hmsg.link/ocbc365
OCBC Rewards: https://hmsg.link/ocbcrewards
OCBC 90°N Mastercard: https://hmsg.link/ocbc90nmc
OCBC 90°N Visa: https://hmsg.link/ocbc90nv

🔗 Apply via my links and complete the SingSaver form sent to your email!

⚡ First 5 eligible applicants at 2PM, 8PM and 10PM daily receive an extra S$61 cash on top of the SingSaver reward.

📆 Promo Period: 4–11 Aug 2026
💳 Min. Spend: S$400 within 30 days of approval
👤 New OCBC credit cardmembers only

🎁 Choose ONE SingSaver Exclusive Reward:
• S$400 Cash via PayNow
• Sony WF-1000XM6 Earbuds + S$50 eCapitaVoucher
• 25,000 Max Miles by HeyMax
• Dyson Airstrait™, worth S$799
• Dyson V8 Cyclone cordless vacuum

Missed the flash slot? You can still receive the ongoing SingSaver exclusive reward.
Rewards cannot be combined. Promotion does not stack with other OCBC welcome offers unless otherwise specified.

📺 OCBC Credit Card review: https://youtu.be/jJSYE4lPIGM

👉 Discuss: https://t.me/honeymoneysg
More deals: https://honeymoneysg.com/#deals
T&Cs: https://singsaver.link/cc-rewards-campaign

🇸🇬 SG61 StashAway National Day Promotion: https://hmsg.link/stashaway
Campaign period: 5 August to 11 September 2026
New StashAway users can enjoy both promotions when they sign up through my link.

💰 1. Simple Plus (Cash/SRS)
Earn 4.7% p.a. YTM on up to S$10,000 for 3 months. This includes a 2% booster for new users.
Any remaining funds earn the base rate of 2.7% p.a. YTM, recently increased from 2.6%.

📈 2. ETF Explorer (Cash/SRS)
Receive a S$61 ETF rebate when you invest at least S$3,000 (Cash/SRS) in these SGX-listed ETFs:
• STI ETF (G3B)
• Singapore REITs ETF(CLR)
• Singapore Bonds ETF (A35)
• Singapore Corporate Bonds ETF (MBH)

Sign up here: https://hmsg.link/stashaway
Watch my Stashaway ETF Explorer video: https://youtu.be/Q-Zq-bx0ICc  

T&Cs apply https://www.stashaway.sg/document/2026_National_Day_Campaign_Ts&Cs.pdf

Yields may change and are not guaranteed. This is not financial advice.

Best Semiconductor ETFs for Singaporeans

✅ Video: https://youtu.be/3DQ5XpZwub0

The Philadelphia Semiconductor Index doubled this year then dropped 20% from its peak, and if your semiconductor stocks and ETFs are bleeding red right now, you are not alone. Before you buy the dip, here is the factual breakdown of 5 semiconductor ETFs, SMH, SOXX, SOXQ, SMH.London and SEMI, including the Nvidia concentration risk most investors never check.

This content is not sponsored so if you enjoyed my sharing, please help me click https://hmsg.link/ibkr to see my preferred broker 💹 Interactive Brokers or scan the QR code in the video. It helps to support my small channel in producing better value content for my viewers!

📌 Best Semiconductors ETF cheatsheet PDF: https://ko-fi.com/s/8a119b48db (FREE Download ✅)

💸 How Much Is Your Cash Drag Costing You?
👉Free calculator: https://ko-fi.com/s/f01d5faf84

My golden rule is simple: build your emergency fund first, then invest the surplus instead of leaving long-term money idle.

This calculator shows how much potential growth you may be giving up based on:
• Your idle cash amount
• Expected investment return
• Current cash interest rate
• How long the money stays uninvested

Holding cash for emergencies or a planned purchase is reasonable. But waiting years for the “perfect” entry point can quietly become very expensive.

👉 Try the Cash Drag Calculator: https://ko-fi.com/s/f01d5faf84

⭐️ Citi x SingSaver: Up to S$799 in Gifts or S$430 Cash 💳
🎁 SingSaver Rewards (choose one): https://hmsg.link/citismrtss ⭐️
* S$430 Cash via PayNow
* S$470 Grab Voucher
* 25,000 Max Miles
* Dyson Airstrait
* Dyson V8 Cyclone Cordless Vacuum

🏦 Citi Official Reward: https://hmsg.link/citismrt ⭐️
* S$300 Cash Back when you spend S$800 in the first 2 months of account opening
* For new main Citi Cardmembers only

You can only apply from 1 link and qualify for 1 reward only.

✅ Card Features (2-year annual fee waiver)
5% Cashback on eligible categories with no monthly cap*
Annual cap: Max SMRT$600 per 12-month period (S$12,000 spend)

Breakdown:
* 0.3% Base Cashback on qualifying retail spend
* 4.7% Bonus Cashback on:
- Groceries (MCC 5411)
- Online purchases (excludes mobile wallet and travel-related transactions)
- Malaysian Ringgit spend (NEW)
- SimplyGo Bus/MRT (MCC 4111)
- Taxis incl. private-hire rides (MCC 4121)
Minimum spend of S$500 per statement month required to unlock Bonus Cashback.

🎥 My Citi SMRT review (Top Cashback Cards): https://youtu.be/JUnsrfi_OvY

Apply for 💳 Citi SMRT: https://hmsg.link/citismrt or https://hmsg.link/citismrtss ⭐️

👉 Discuss: https://t.me/honeymoneysg
More deals: https://honeymoneysg.com/#deals
T&Cs: https://singsaver.link/cc-rewards-campaign