What Happens To Your CPF Contributions After You Hit Full Retirement Sum (FRS)?
The Full Retirement Sum (FRS) is $213,000 for those who turn 55 in 2025. This amount is meant to safeguard our retirement and is one of the thresholds that determine how much we can withdraw from our CPF. While most Singaporeans reach our Full Retirement Sum only later in life, a small minority may have already […]
Singapore Gym Membership Cheatsheet (2025 Edition)
Choosing the right gym will not just allow you to be fit, but it enables you to do it for the long term with better results. The right environment, coupled with the proper influence and equipment will propel you to achieve more than just sweating it out for one session. By using this cheatsheet, you’ll […]
5 Internationally-Recognised Enrichment Programmes That You Can Enrol Your Kids In Johor
Many parents endeavour to provide a quality education to their children so they can grow to be productive individuals and are capable of adjusting to different environments. Aside from excelling in their academics, it’s also important to help children develop interests outside of school and real-life skills such as leadership and communication skills that will prepare […]
Lower Home Ownership; Higher Car Ownership, Income Growth Outpaced Expense Growth: 6 Things We Learned From The Household Expenditure Survey 2023
Every 5 years, the Singapore Government conducts a comprehensive Household Expenditure Survey (HES). The most recent report issued in January 2025 – and was compiled based on household demographic, socio-economic characteristics and ownership statistics in 2023. The results are used for studies on household expenditure and income, as well as to update the weighting pattern […]
Is HDB Flat Prices Going Up A Good Or Bad Thing?
If you’re looking for a sure-fire conversation starter in Singapore, HDB flat prices are always a hot topic among relatives and friends. Whether it’s your uncle in his 60s reminiscing about the days when HDB flats cost less than $100,000, your single friends lamenting today’s high prices, or your married cousins considering selling their newly […]
How Much Would Investors Have Earned If They Invested In The STI (Via DCA) Over The Past 5 Years?
The Straits Times Index (STI) is the benchmark index for the Singapore Exchange (SGX), serving as a key indicator of the overall performance of Singapore’s stock market. It comprises the 30 largest and most liquid stocks in Singapore, including major companies such as DBS, OCBC, UOB, and SingTel. While you can’t invest directly in an […]
Guide To Dividend Investing In Singapore
There are different kinds of investment strategies that we can adopt as investors. In Singapore, one popular investment strategy would be dividend investing. Dividend investing is a method of investing in stocks to generate dividend income from these investments. Dividend investing is somewhat similar to income investing, with the key difference being that dividend investing […]
Why The $16,000 EC Income Ceiling For EC May No Longer Makes Financial Sense
Executive Condominiums (ECs) were first introduced in 1996 as a housing solution for the “sandwich class” — for those whose incomes exceed the threshold required to qualify for Build-To-Order (BTO) flats but find private properties too expensive. A hybrid housing model, ECs are developed by private developers but subject to certain HDB regulations during their […]
NTU; NUS; SMU: Guide To Singapore University Hostel Fees And Requirements Needed To Secure Your Spot
Securing a university hostel is more than just finding a room to stay in while you’re studying. It’s about creating a home that to support your academic journey and foster a sense of community for the next few years. This makes the process of securing an accommodation at one of Singapore’s top universities —Nanyang Technological […]
Why Intentionally Lowering Your Credit Limit For Credit Cards Is A Good Idea
Most of us are familiar with the advantages of paying with a credit card. Besides the convenience they provide, which allows for online shopping and cashless payment, most credit cards also offer attractive rewards in the form of points, cashback or miles. These rewards can be substantial, especially if you use the cards for most […]
