🚨 Trust Freedom Card: 3% Stockback, $0 FX Fee + Up to US$8,000 Stock Gift!

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

Trust’s Freedom Card lets you choose Stockback instead of cashback, which is pretty interesting if you’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:
📈 IVV
📈 VTI
📈 QQQ
📈 SPY

Once your Stockback reaches S$10, it gets invested automatically. There’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.

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

📈 Choose Stockback → get a stock gift worth up to US$8,000, randomly selected from NVIDIA, Microsoft, Apple, Amazon, Alphabet, Meta or Tesla.

💰 Choose Cashback → 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.

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

👉 Discuss more https://t.me/honeymoneysg
👉 More referral https://honeymoneysg.com/#deals

🎁 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:
• S$1,600 PayNow cash
• Apple MacBook Air M5 (512GB, 16GB RAM)
• 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.

🔴 Apply here: https://hmsg.link/premierhsbc

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

🇸🇬 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.

💰 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%.

📈 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.

🔥 Citi x SingSaver: EXTRA S$61 CASH! 💰
👉 Apply here: https://hmsg.link/citismrtss ⭐️

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.

💰 Up to S$491 Cash Total
That’s up to S$430 from the ongoing SingSaver offer (Citi SMRT) + an additional S$61 cash!

⏰ 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

📅 Promotion Period: 14 - 20 August 2026

💳 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.

🏆 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

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

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

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

Sign up 👉 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.

I Sold All My Syfe REIT+ & Brokerage Portfolio. Here's Why

✅ 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.

🌟 Syfe Code: HONEYMONEY @ https://hmsg.link/syfe 🌟

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!

3 ways to earn $1000/month Dividend Income
Cheatsheet: https://ko-fi.com/s/36f1fd4482 (✅ 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.

🎁 More free resources: https://hmsg.link/shop

💰 GET S$50 WHEN YOU SWITCH YOUR SALARY TO MARIBANK
- Maribank code 9QGO55OJ https://hmsg.link/maribank 

From 17 Aug to 30 Sep 2026:
✅ Credit your salary to MariBank for the first time
✅ Minimum salary credit: S$500
🎁 Get S$50 cash
👥 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.

⚠️ 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.

👉 Discuss more https://t.me/honeymoneysg 
👉 More referral https://honeymoneysg.com/#deals
Source: https://www.maribank.sg/promo/salary-switch-promotion 

I Found the Best Nasdaq 100 ETF for Singapore Investors 2026

✅ 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 💹 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!

📌 Nasdaq 100 ETFs Cheatsheet PDF: https://ko-fi.com/s/8dca86f46a (Free Download ✅)

Interactive Brokers (IBKR) Singapore Guide 2026: How to Open an Account and Start Dollar Cost Averaging

✅ Read here: https://honeymoneysg.com/ibkr-dca-guide-2026.html (Article)

I have been using Interactive Brokers since 2021, and I still think it is one of the platforms worth learning if you plan to invest for the long term. The first few steps may take a little getting used to. Once you have done them, it becomes much easier.

So if you have been putting off opening an IBKR account because the platform looks complicated, I hope this guide helps you get past that hurdle. 

You don't need to know everything before you start. You just need to know enough to make your first investment. 
And once that first investment is done, the rest gets much easier.

Sign up: https://hmsg.link/ibsg
Landing page: https://hmsg.link/ibkr 

🚨 NEW USD-DENOMINATED UCITS ETFs ON IG MARKETS
👉 IG Markets: https://hmsg.link/igmarkets

They finally heard our feedback! 😂

IG Markets now has more USD-denominated UCITS ETFs, including options like VWRA, CSPX, ACWD, XNAS and more.

💰 3% p.a.* on your shareholdings
If you hold S$50,000 worth of shares/ETFs, that's potentially S$1,500/year in interest at 3% p.a.*
No lock-in, no minimum holdings, just 1 trade per month.

🎁 LAST CALL: S$188 + S$70 welcome rewards^
Open by 31 Aug 2026 (limited time promo), deposit S$500 and make 1 trade within 30 days:
• S$188 cash bonus
• Extra S$70 if completed within 7 days of activation^
That's up to S$258^ just for getting started.

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

*T&Cs apply for Interest on Shares. ^T&Cs apply for IG Markets Welcome Reward. Promotions are only applicable to IG Markets Share Trading accounts.

How to Start Investing in Singapore Market

✅ Video: https://youtu.be/L5zHozahsw0

This video breaks down products across the LionGlobal Signature Singapore Suite, grouped into 3 jobs: fixed income (Money Market Fund, Short Duration Bond Fund), Singapore equities (Dividend Equity Fund, Trust Fund, Low Carbon ETF), and gold (Physical Gold Fund and ETF). For each one, I cover what it is actually for, who it fits, and details on access routes like cash, SRS, and CPF.

This is a video on LionGlobal Signature Singapore Suite, sponsored by Lion Global Investors Limited
👉 See more: https://www.lionglobalinvestors.com/en/lionglobal-signature-singapore-suite.html

🏠 Cashew Mortgage Update: https://hmsg.link/cashew
🎥 Should you Refinance HDB Loan? https://youtu.be/MKIZIUcN2UU

Mortgage rates have shifted slightly since our last update, but the big story is that floating rates have started creeping higher while some fixed rates have actually become cheaper.

Here are today's best rates (as of 23 August 2026):

📌 2-Year Fixed
1.50% ($500K)
1.40% ($1M)
1.35% ($2M)

📌 3-Year Fixed
1.68% ($500K)
1.60% ($1M)
1.58% ($2M)

📌 Floating
1.39% ($500K)
1.34% ($1M)
1.34% ($2M)
For context, the HDB loan remains at 2.6%.

📊 What's happening with rates?
Compared with our last update on 9 July:
2-year fixed rates have fallen by up to 5 bps
3-year fixed rates are broadly unchanged, with some tiers moving slightly
Floating rates have risen by 2 to 4 bps

So the trend is no longer simply "rates keep falling". Banks are pricing floating loans a little higher, while 2-year fixed rates remain very competitive.

The broader economic backdrop has also become more interesting. MAS tightened monetary policy again in July, increasing the rate of appreciation of the S$NEER policy band as external price pressures remained elevated. Singapore's core inflation had also risen to 1.6% in June.

Globally, the US Federal Reserve is holding rates at 3.50% to 3.75%, with persistent inflation keeping the path for further rate cuts uncertain.

Translation: Don't assume mortgage rates will continue falling in a straight line. If you're refinancing, the decision is increasingly about whether you want the certainty of a competitive fixed rate or the flexibility of floating.

✨ How to use Cashew
Enter your loan details once. Cashew compares bank packages, rates and cashback offers across banks for you.

👉 Check the latest bank loan rates: https://hmsg.link/refinance

🟣 FINAL: Longbridge: 8.9% p.a. Interest + Free NVDA Stocks + Fairprice Gift Card ✅
Sign up: https://hmsg.link/longbridge Code: UIKHFMD9

📆 Period: 1 to 31 Aug 2026 | Eligibility: First-time Longbridge SG depositors only

✅ HoneyMoneySG Exclusive Lucky Draw ✅
4 winners win S$50 FairPrice gift cards | Deposit S$2,000 to S$9,999.99
4 winners win S$100 FairPrice gift cards | Deposit S$10,000 and above

Open account: Lifetime $0 commission for US, HK & SG stocks | Limited-time $0 commission for US options | Free real-time LV1 data for US, HK & SG

⭐️Deposit S$500: Platform fee coupons for US, HK & SG stocks
⭐️Deposit S$2,000: 8.9% p.a. interest boost for 180 days on up to S$2,000 in Longbridge Cash Plus (Worth up to S$88)

⭐️Free NVIDIA Stocks:
S$2,000 for 30 days + 3 buy trades → S$60
S$10,000 for 90 days + 5 buy trades → S$260
S$100,000 for 90 days + 8 buy trades → S$760
S$500,000 for 90 days + 15 buy trades → S$1,300
Note: Only one NVIDIA reward tier can be selected.

🌉 Longbridge SG Code UIKHFMD9 https://longbridge.com/sg/promotions/activity/textActivity5?channel=SHKN00013&invite-code=UIKHFMD9 

T&Cs apply: https://support.longbridge.sg/topics/28nggs8/wr2608_deposit 
This advertisement has not been reviewed by the Monetary Authority of Singapore.

How Much Passive income I Earn Per Month 2026

✅ Video: https://youtu.be/POaDc5GVXGM

Revealing my actual passive income and here's the full breakdown, why I stopped chasing yield, and why my 2026 capital gains matters more than any dividend income.

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!

I always talk about the S&P 500 on my channel.

It’s one of the most popular ways to invest in US stocks, but many investors don't really know how the index is actually built.

For example, a record-breaking IPO like SpaceX doesn't automatically get added to the S&P 500

With companies like OpenAI and Anthropic potentially going public, I think it's useful to understand how the index decides what gets included.

This upcoming webinar will cover:
- How the S&P 500 is actually built
- What the AI boom and mega-IPOs could mean for US equities
- Where the S&P 500 fits in your portfolio

📅 Tuesday, 1 September 2026
⏰ 7pm

If you own an S&P 500 ETF, this is a good opportunity to better understand what you're actually investing in.

👉 Sign up here: https://luma.com/stashaway-ryxi?utm_source=honeymoneysg

Free to attend, so I’d recommend registering if the S&P 500 is part of your portfolio.

Disclosure: This message is brought to you by StashAway