Hive Broadcast 2026
210 subscribers
172 photos
223 links
Main channel @HoneyMoneySG for discussion
This channel is for announcements only.
Download Telegram
Please open Telegram to view this post
VIEW IN TELEGRAM
Please open Telegram to view this post
VIEW IN TELEGRAM
โญ๏ธ Citi x SingSaver: Up to S$799 in Gifts or S$430 Cash ๐Ÿ’ณ
๐ŸŽ SingSaver Rewards (choose one): https://hmsg.link/citismrtss โญ๏ธ
* S$430 Cash via PayNow
* S$470 Grab Voucher
* 25,000 Max Miles
* Dyson Airstrait
* Dyson V8 Cyclone Cordless Vacuum

๐Ÿฆ Citi Official Reward: https://hmsg.link/citismrt โญ๏ธ
* 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.

โœ… 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.

๐ŸŽฅ My Citi SMRT review (Top Cashback Cards): https://youtu.be/JUnsrfi_OvY

Apply for ๐Ÿ’ณ Citi SMRT: https://hmsg.link/citismrt or https://hmsg.link/citismrtss โญ๏ธ

๐Ÿ‘‰ 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

โœ… Video: https://youtu.be/tsn-oBUlPrU

๐Ÿฎ 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.

๐Ÿ“Œ S$1000/month Cheatsheet PDF: https://ko-fi.com/s/36f1fd4482 (FREE Download โœ…)

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.
โค2
Best Semiconductors ETF cheatsheet
Free PDF: https://ko-fi.com/s/8a119b48db (FREE Download โœ…)

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.

โœ… Video: https://youtu.be/3DQ5XpZwub0
๐Ÿ‘2
What can grocery prices teach us about investing? ๐Ÿ›’

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:

๐Ÿ’ผ Earn a good income
๐Ÿงพ Spend within a budget
๐Ÿ›Ÿ Build emergency savings
๐Ÿ“ˆ 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. ๐Ÿ‘‰

โœ… IG Carousel: https://www.instagram.com/p/Db2dlYEmd6S/
โœˆ๏ธ Get up to 30,000 Citi Miles with
๐Ÿ’ณ Citi PremierMiles World Select https://hmsg.link/citicards
๐Ÿ”ธ Spend S$800 in the first 2 months of account opening

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

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

โœ… 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

๐ŸŽฅ My Citi PremierMiles review for Priority Pass: https://youtu.be/kGg8NtV7TeM

๐Ÿ’ณ Citi PremierMiles https://hmsg.link/citicards
*T&Cs apply.
๐Ÿ‘‰ Discuss more https://t.me/honeymoneysg
๐Ÿ‘‰ More referral https://honeymoneysg.com/#deals 
โค2๐Ÿ‘1
I Found The Best SRS Investment Platform: POEMS vs Stashaway

โœ… Video: https://youtu.be/Qr_PaVvsbjk

๐Ÿ”ธ POEMS Cash Plus: https://hmsg.link/poems
๐Ÿ”ธ Stashaway https://hmsg.link/stashaway

This content is not sponsored so if you enjoyed my sharing, please help me click https://hmsg.link/ibkr to see my preferred broker ๐Ÿ’น 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!

๐Ÿ“Œ POEMS vs Stashaway Cheatsheet PDF: https://ko-fi.com/s/577ed61e63 (FREE Download โœ…)

I've used both StashAway ETF Explorer and POEMS Cash Plus for my SRS for the past 6 months, and the platform with the lower fees isn't the one that actually saves you more money. Here's the full unsponsored breakdown of costs, expense ratios, currency exposure and withholding tax for SRS investing in Singapore.
๐Ÿšจ Trust Freedom Card: 3% Stockback, $0 FX Fee + Up to US$8,000 Stock Gift!

Trust Freedom Card https://hmsg.link/trustcb code HUQPC614

Trustโ€™s Freedom Card lets you choose Stockback instead of cashback, which is pretty interesting if youโ€™re already into investing.

You earn 3% Stockback on eligible local + foreign spending, which gets invested into a US stock or ETF of your choice.

Some of the ETFs I spotted as options:
๐Ÿ“ˆ IVV
๐Ÿ“ˆ VTI
๐Ÿ“ˆ QQQ
๐Ÿ“ˆ SPY

Once your Stockback reaches S$10, it gets invested automatically. Thereโ€™s also a S$500 quarterly cap.

The other interesting part: $0 FX fees, so the foreign spending angle makes this particularly interesting for travellers and overseas spending.

๐ŸŽ NEW SIGN-UP GIFT
For new Freedom Card customers, you can get a sure-win gift when you sign up:

๐Ÿ“ˆ Choose Stockback โ†’ get a stock gift worth up to US$8,000, randomly selected from NVIDIA, Microsoft, Apple, Amazon, Alphabet, Meta or Tesla.

๐Ÿ’ฐ Choose Cashback โ†’ get a sure-win cashback gift of up to S$8,000, credited directly to your Freedom Card account.

Offer valid until 31 Oct 2026. T&Cs apply.

For someone who already invests regularly, I can see the appeal: your normal spending can automatically build a small investment position without setting aside extra cash.

3% Stockback on all eligible spend. S$500/quarter cap. $0 FX fee.

Sign-up gift up to US$8,000 in stocks or S$8,000 cashback. T&Cs apply.

๐Ÿ‘‰ Apply: Trust Freedom Card https://hmsg.link/trustcb code HUQPC614

๐Ÿ‘‰ Discuss more https://t.me/honeymoneysg
๐Ÿ‘‰ More referral https://honeymoneysg.com/#deals
๐ŸŽ HSBC Premier: S$1,600 cash, MacBook Air M5 or 105,000 Max Miles
HSBC Premier: https://hmsg.link/premierhsbc 

Open an HSBC Premier account via SingSaver and choose one reward:
โ€ข S$1,600 PayNow cash
โ€ข Apple MacBook Air M5 (512GB, 16GB RAM)
โ€ข 105,000 HeyMax Max Miles

Beyond the welcome gift, Premier customers can enjoy a waived Premier Mastercard annual fee (with qualifying relationship balance), unlimited lounge access for eligible cardholders, up to 8 airport limo rides a year, 1-for-1 dining deals, preferential FX rates and worldwide Premier recognition.

To qualify for this SingSaver offer: be a new HSBC banking customer, deposit S$300,000 and maintain the balance for 6 months. Ends 31 Aug 2026. T&Cs apply.

๐Ÿ”ด Apply here: https://hmsg.link/premierhsbc

๐Ÿ‘‰ Discuss more https://t.me/honeymoneysg 
๐Ÿ‘‰ More referral https://honeymoneysg.com/#deals
T&Cs apply: https://singsaver.link/priority-rewards-campaign 
โค5
๐Ÿ‡ธ๐Ÿ‡ฌ SG61 UPSIZED 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.

๐Ÿ’ฐ 1. Simple Plus (Cash/SRS)
Earn 6.2% p.a. YTM (previously 4.7% p.a.) on up to S$10,000 for 3 months. This includes a 3.5% booster for new users.
Any remaining funds earn the base rate of 2.7% p.a. YTM, recently increased from 2.6%.

๐Ÿ“ˆ 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:
โ€ข STI ETF (G3B)
โ€ข Singapore REITs ETF(CLR)
โ€ข Singapore Bonds ETF (A35)
โ€ข 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.
โค3
๐Ÿ”ฅ Citi x SingSaver: EXTRA S$61 CASH! ๐Ÿ’ฐ
๐Ÿ‘‰ Apply here: https://hmsg.link/citismrtss โญ๏ธ

From 14 - 20 August 2026, the first 10 eligible applicants at 1:00 PM and 6:00 PM each day will receive an additional S$61 cash on top of the ongoing SingSaver exclusive offer.

๐Ÿ’ฐ Up to S$491 Cash Total
Thatโ€™s up to S$430 from the ongoing SingSaver offer (Citi SMRT) + an additional S$61 cash!

โฐ Only 20 extra S$61 rewards available each day
First 10 eligible applicants at 1:00 PM
First 10 eligible applicants at 6:00 PM
Remaining eligible applicants can still enjoy the ongoing SingSaver exclusive offers

๐Ÿ“… Promotion Period: 14 - 20 August 2026

๐Ÿ’ณ Participating cards include
- Citi Cashback https://hmsg.link/citicashback
- Citi Cashback Plus https://hmsg.link/citicashbackplus 
- Citi PremierMiles https://hmsg.link/premiermiles  
- Citi Rewards https://hmsg.link/citirewards
- Citi M1 https://hmsg.link/citim1
- Citi SMRT (SingSaver) https://hmsg.link/citismrtss

T&Cs apply. Limited redemptions available.
โค2
๐Ÿ† IG Markets Singapore: Up to S$1,758 in Rewards https://hmsg.link/igmarkets

I personally use IG Markets for my Singapore portfolio with 0 Commission & Platform Fees^. Here's the breakdown: https://youtu.be/LWGAcQSZSfE

๐ŸŽ New account? Start with S$258* cash.
Open by 31 Aug 2026, deposit S$500, make 1 trade within 30 days:
โ€ข S$188 cash bonus
โ€ข Extra S$70 if you complete everything within 7 days of activation
That's S$258 just for getting started.

๐Ÿ’ฐ Then earn 3% p.a. on your shareholdings.
โƒ Up to S$50,000 in holdings. Up to S$1,500/year.
โƒ No lock-in. No minimum. Just 1 trade per month.
โƒ Your Stocks/ETFs sit there growing. The holding value earns 3% p.a. interest on top.

โœˆ๏ธ Now add: Zero FX markup* on non-SGD stocks.
Valid 22 Jun - 31 Aug 2026. Auto-applied. No code needed.
โƒ Zero FX Markups^ across US, UK, HK, JP markets
โƒ IG Markets have Ireland-domiciled UCITS ETFs like CSP1 and VWRP on the London Stock Exchange.
โƒ FX markup was always the friction that kept some from using IG. Now that blocker is gone temporarily.

Sign up ๐Ÿ‘‰ https://hmsg.link/igmarkets
Full T&Cs: https://www.ig.com/sg/igmarkets/promotions#tnc

*T&Cs apply. ^Other fees and charges may apply. Promotions are only applicable to IG Markets Share Trading accounts. All forms of investments carry risk. Refer to full disclaimers and disclosures at IG.com/sg. This advertisement has not been reviewed by the Monetary Authority of Singapore. Visit https://www.ig.com/sg/igmarkets for more information.
โค3๐Ÿ‘3
If you invested $1,000 into Singapore REITs (S-REITs) back in 2022 with all dividends reinvested, how much do you think it would be worth today?
Anonymous Poll
35%
Up significantly (+$200 or more)
29%
Slightly positive (+$20 to $100)
23%
Broke even / Barely moved
14%
Lost money (Negative total return)
๐Ÿ‘2
I Sold All My Syfe REIT+ & Brokerage Portfolio. Here's Why

โœ… Video: https://youtu.be/Dhc3M8ykDDY

My $1,000 Syfe REIT+ portfolio grew for 4 years and ended up $1.30 in the red. Here is why I just sold my entire Syfe portfolio, including a QQQM position that doubled, and moved everything to Interactive Brokers.

๐ŸŒŸ Syfe Code: HONEYMONEY @ https://hmsg.link/syfe ๐ŸŒŸ

This content is not sponsored so if you enjoyed my sharing, please help me click https://hmsg.link/ibkr to see my preferred broker ๐Ÿ’น 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!
๐Ÿ‘2โค1
3 ways to earn $1000/month Dividend Income
Cheatsheet: https://ko-fi.com/s/36f1fd4482 (โœ… FREE Download)

Compare three ways to build S$1,000 a month in dividend income using Singapore-listed investments.

See how dividend yield affects the capital required, effort involved and risks behind each approach. Includes a clear side-by-side cheatsheet to help you assess which route fits your investing style.

๐ŸŽ More free resources: https://hmsg.link/shop
โค2
๐Ÿ’ฐ GET S$50 WHEN YOU SWITCH YOUR SALARY TO MARIBANK
- Maribank code 9QGO55OJ https://hmsg.link/maribank 

From 17 Aug to 30 Sep 2026:
โœ… Credit your salary to MariBank for the first time
โœ… Minimum salary credit: S$500
๐ŸŽ Get S$50 cash
๐Ÿ‘ฅ Limited to the first 5,000 eligible users

Plus, earn an additional 0.20% p.a. salary crediting bonus interest on your entire Mari Savings Account balance.

โš ๏ธ Your salary must be credited via GIRO, PayNow or FAST with the required salary purpose code. Transfers from your own or another individual's account don't qualify.

๐Ÿ‘‰ Discuss more https://t.me/honeymoneysg 
๐Ÿ‘‰ More referral https://honeymoneysg.com/#deals
Source: https://www.maribank.sg/promo/salary-switch-promotion 
โค1
I Found the Best Nasdaq 100 ETF for Singapore Investors 2026

โœ… Video: https://youtu.be/e1fihXXJlm0

Most Singaporeans buying the Nasdaq 100 default straight to QQQ. In 2026, that is no longer the cheapest or the smartest choice. I break down 6 Nasdaq 100 ETFs including two new low cost options most investors have not heard of, and explain why the cheapest one is not automatically the best pick for you.

This content is not sponsored so if you enjoyed my sharing, please help me click https://hmsg.link/ibkr to see my preferred broker ๐Ÿ’น 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!

๐Ÿ“Œ Nasdaq 100 ETFs Cheatsheet PDF: https://ko-fi.com/s/8dca86f46a (Free Download โœ…)
๐Ÿ‘3โคโ€๐Ÿ”ฅ2โค1