🇸🇬 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

3 ways to build $1000/month Dividend Portfolio for Passive Income

✅ Video: https://youtu.be/tsn-oBUlPrU

🐮 Moomoo SG CDP Transfer promo: https://start.moomoo.com/0E7fv4 code HMSG999 (Sponsor)
Transfer your CDP holdings to Moomoo fully online in 3 to 5 business days, no branch visit needed. New to Moomoo users can also get up to $1,200 SGD in welcome rewards, including $100 SGD in bonus Nvidia shares. Use code HMSG999. Terms and conditions apply.

📌 S$1000/month Cheatsheet PDF: https://ko-fi.com/s/36f1fd4482 (FREE Download ✅)

Building a $1,000 a month dividend portfolio in Singapore can cost you anywhere from $253,000 to $359,000, depending entirely on which strategy you pick. I break down 3 real ways to get there: 100% STI ETF, top 5 blue chip stocks, and top 5 S-REITs, with the actual capital required and the risk tradeoffs for each.

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

Compare 5 semiconductor ETFs side by side across fees, fund structure, tax exposure, diversification and concentration risk.

Includes SMH, SMH.L, SOXX, SOXQ and SEMI.L, plus a quick comparison table to help you understand the key differences before investing.

For educational purposes only. Not financial advice.

✅ Video: https://youtu.be/3DQ5XpZwub0

What can grocery prices teach us about investing? 🛒

I compared how much a similar basket of everyday groceries cost 20 years ago versus today. The difference reminds us that inflation affects every Singaporean, whether we invest or not.

The basics of personal finance have not changed:

💼 Earn a good income
🧾 Spend within a budget
🛟 Build emergency savings
📈 Invest your growing surplus for the future

You do not need to be rich before you begin. A regular monthly surplus, enough time and a sensible investment plan can take you further than you may expect.

Swipe for my National Day money lesson and a little motivation to start. 👉

✅ IG Carousel: https://www.instagram.com/p/Db2dlYEmd6S/

✈️ Get up to 30,000 Citi Miles with
💳 Citi PremierMiles World Select https://hmsg.link/citicards
🔸 Spend S$800 in the first 2 months of account opening

✅ Offer 1: 30,000 bonus Citi Miles Welcome Offer
- Pay the 1st year annual fee of S$196.20

✅ Offer 2: 8,000 bonus Citi Miles Welcome Offer
- 1st year annual fee of S$196.20 waived

✅ Card Features
- 1.2 Citi Miles per S$1 local spend
- 2.2 Citi Miles per S$1 spend in foreign currency
- 2 complimentary visits with Priority Pass membership
- Citi Miles earned do not expire
- Travel insurance: Up to S$1 million in insurance coverage when you charge your travel tickets to Citi PremierMiles
- Multiple airline transfer partners e.g. SQ KrisFlyer, EVA, Turkish, Qatar

🎥 My Citi PremierMiles review for Priority Pass: https://youtu.be/kGg8NtV7TeM

💳 Citi PremierMiles https://hmsg.link/citicards
*T&Cs apply.
👉 Discuss more https://t.me/honeymoneysg
👉 More referral https://honeymoneysg.com/#deals