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Savings, FDs, cpf & investments - how do u grow your money?


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Posted
2 hours ago, radiusulnar said:

Sianz. Wasted my time going queue at ATM to ballot for the Azealea. Hardly any allocation but I guess must thank lucky starts managed to flip heads than tails.

I've been buying Astrea through online banking since Astrea 4. It's Astrea 9 now. No need to queue at the ATM bro. As for allocation, the demand is always high so I apply for a large number of units and then get allocated some. They refund the unallocated balance quickly. I've always managed to get allocated every year. No issue.

Posted
10 hours ago, cbm said:

I apply for a large number of units and then get allocated some.

 

Lucky! If bid too large, may end up with nothing! With my type of luck, sure won't be balloted. So thank goodness got balloted and some crumbs this time

Posted

Azalea’s Astrea 9 bonds over 3 times subscribed, draw more than S$3.4 billion in demand

 

They will begin trading on Singapore Exchange on Aug 11

 

https://bt.sg/siuk
 

8 hours ago, radiusulnar said:

 

Lucky! If bid too large, may end up with nothing! With my type of luck, sure won't be balloted. So thank goodness got balloted and some crumbs this time

u hve so much cash??

 

there are more than one option avail in googling me https://x.com/gnnbccb?s=21&t=WxsKRj9hm-pT2wyoEmonPQ

Posted

 

SSB then, if u can accept FD

 


where cpf can pay u up to 6% , CPF lock in there, is also ur $!!! what is the fuss about? u r saving now also for ur future retirement:  somemore tax deductible unless u  alrdy hit too high

 

The first 60,000 of your combined CPF balances earn an extra interest of 1% per annum (capped at 20,000 for OA)

U can use ur funds (first 20K aside) to buy gold and some invesmts too

5 hours ago, thinking35 said:

Which FD is good now?

FD , really?
it dpends on how much u  r depositing! and for how long

FD have to watch out for Fresh funds promotions...
 

Bank Product Minimum Maximum SC Months Rate (p.a.) Date checked Remarks
OCBC SGD FD 5,000 19,999 0 24 2.0000% 1-Aug-2025 Not available for new placements
BOI SGD FD 2,000 49,999 0 6 1.8000% 1-Aug-2025  
OCBC SGD FD 5,000 19,999 0 18 1.7000% 1-Aug-2025  
OCBC SGD FD 5,000 19,999 0 20 1.7000% 1-Aug-2025  
BOI SGD FD 2,000 49,999 0 12 1.7000% 1-Aug-2025  
DBS/POSB SGD FD 1,000 19,999 0 8 1.6000% 20-Aug-2025  
DBS/POSB SGD FD 1,000 19,999 0 9 1.6000% 20-Aug-2025  
DBS/POSB SGD FD 1,000 19,999 0 10 1.6000% 20-Aug-2025  
DBS/POSB SGD FD 1,000 19,999 0 11 1.6000% 20-Aug-2025  
DBS/POSB SGD FD 1,000 19,999 0 12 1.6000% 20-Aug-2025  
DBS/POSB SGD FD 1,000 19,999 0 18 1.6000% 20-Aug-2025 Rollovers only
DBS/POSB SGD FD 1,000 19,999 0 24 1.6000% 20-Aug-2025 Rollovers only
UOB SGD FD 5,000 999,999 0 24 1.6000% 1-Aug-2025  
OCBC SGD FD 5,000 19,999 0 15 1.6000% 1-Aug-2025  
OCBC SGD FD 5,000 19,999 0 16 1.6000% 1-Aug-2025  
UCO SGD FD 1,000 49,999 0 12 1.6000% 21-Aug-2025  
DBS/POSB SGD FD 1,000 19,999 0 7 1.5500% 20-Aug-2025  
UOB SGD FD 5,000 999,999 0 14 1.5500% 1-Aug-2025  
UOB SGD FD 5,000 999,999 0 15 1.5500% 1-Aug-2025  
UOB SGD FD 5,000 999,999 0 18 1.5500% 1-Aug-2025  
BOC SGD TD promotion (mobile banking) 500 9,999,999 0 2 1.5500% 25-Aug-2025 25 Aug 2025 -
BOC SGD TD promotion (mobile banking) 500 9,999,999 0 3 1.5500% 25-Aug-2025 25 Aug 2025 -
BOC SGD TD promotion (mobile banking) 500 9,999,999 0 4 1.5500% 25-Aug-2025 25 Aug 2025 -
BOC SGD TD promotion (mobile banking) 500 9,999,999 0 5 1.5500% 25-Aug-2025 25 Aug 2025 -
UOB SGD FD 5,000 999,999 0 12 1.5000% 1-Aug-2025  
UOB SGD FD 5,000 999,999 0 13 1.5000% 1-Aug-2025  
BOC SGD TD promotion (mobile banking) 500 9,999,999 0 1 1.5000% 25-Aug-2025 25 Aug 2025 -
BOC SGD TD promotion (mobile banking) 500 39,999 0 6 1.5000% 25-Aug-2025 25 Aug 2025 -
BOI SGD FD 2,000 49,999 0 3 1.5000% 1-Aug-2025  
UCO SGD FD 1,000 49,999 0 6 1.5000% 21-Aug-2025  

 

there are more than one option avail in googling me https://x.com/gnnbccb?s=21&t=WxsKRj9hm-pT2wyoEmonPQ

Posted
33 minutes ago, QinWei said:

 

SSB then, if u can accept FD

 


where cpf can pay u up to 6% , CPF lock in there, is also ur $!!! what is the fuss about? u r saving now also for ur future retirement:  somemore tax deductible unless u  alrdy hit too high

 

The first 60,000 of your combined CPF balances earn an extra interest of 1% per annum (capped at 20,000 for OA)

U can use ur funds (first 20K aside) to buy gold and some invesmts too

FD , really?
it dpends on how much u  r depositing! and for how long

FD have to watch out for Fresh funds promotions...
 

Bank Product Minimum Maximum SC Months Rate (p.a.) Date checked Remarks
OCBC SGD FD 5,000 19,999 0 24 2.0000% 1-Aug-2025 Not available for new placements
BOI SGD FD 2,000 49,999 0 6 1.8000% 1-Aug-2025  
OCBC SGD FD 5,000 19,999 0 18 1.7000% 1-Aug-2025  
OCBC SGD FD 5,000 19,999 0 20 1.7000% 1-Aug-2025  
BOI SGD FD 2,000 49,999 0 12 1.7000% 1-Aug-2025  
DBS/POSB SGD FD 1,000 19,999 0 8 1.6000% 20-Aug-2025  
DBS/POSB SGD FD 1,000 19,999 0 9 1.6000% 20-Aug-2025  
DBS/POSB SGD FD 1,000 19,999 0 10 1.6000% 20-Aug-2025  
DBS/POSB SGD FD 1,000 19,999 0 11 1.6000% 20-Aug-2025  
DBS/POSB SGD FD 1,000 19,999 0 12 1.6000% 20-Aug-2025  
DBS/POSB SGD FD 1,000 19,999 0 18 1.6000% 20-Aug-2025 Rollovers only
DBS/POSB SGD FD 1,000 19,999 0 24 1.6000% 20-Aug-2025 Rollovers only
UOB SGD FD 5,000 999,999 0 24 1.6000% 1-Aug-2025  
OCBC SGD FD 5,000 19,999 0 15 1.6000% 1-Aug-2025  
OCBC SGD FD 5,000 19,999 0 16 1.6000% 1-Aug-2025  
UCO SGD FD 1,000 49,999 0 12 1.6000% 21-Aug-2025  
DBS/POSB SGD FD 1,000 19,999 0 7 1.5500% 20-Aug-2025  
UOB SGD FD 5,000 999,999 0 14 1.5500% 1-Aug-2025  
UOB SGD FD 5,000 999,999 0 15 1.5500% 1-Aug-2025  
UOB SGD FD 5,000 999,999 0 18 1.5500% 1-Aug-2025  
BOC SGD TD promotion (mobile banking) 500 9,999,999 0 2 1.5500% 25-Aug-2025 25 Aug 2025 -
BOC SGD TD promotion (mobile banking) 500 9,999,999 0 3 1.5500% 25-Aug-2025 25 Aug 2025 -
BOC SGD TD promotion (mobile banking) 500 9,999,999 0 4 1.5500% 25-Aug-2025 25 Aug 2025 -
BOC SGD TD promotion (mobile banking) 500 9,999,999 0 5 1.5500% 25-Aug-2025 25 Aug 2025 -
UOB SGD FD 5,000 999,999 0 12 1.5000% 1-Aug-2025  
UOB SGD FD 5,000 999,999 0 13 1.5000% 1-Aug-2025  
BOC SGD TD promotion (mobile banking) 500 9,999,999 0 1 1.5000% 25-Aug-2025 25 Aug 2025 -
BOC SGD TD promotion (mobile banking) 500 39,999 0 6 1.5000% 25-Aug-2025 25 Aug 2025 -
BOI SGD FD 2,000 49,999 0 3 1.5000% 1-Aug-2025  
UCO SGD FD 1,000 49,999 0 6 1.5000% 21-Aug-2025  

 

Haha... i only know SA and FD. That's why asking for FD.

 

Can you give some advise? And also how does SSB works?

 

Thank you.

Posted
13 minutes ago, thinking35 said:

only know SA

what is SA?
Special Accounts?

No short cuts pls:
https://www.mas.gov.sg/bonds-and-bills/singapore-savings-bonds

 

can wdraw anytime!!! luv it
 

  • Small minimum amount of $500 with subsequent multiples of $500.
  • No costs or commissions to pay
  • every mth will have a new ssb for u , at about 2.1 pa nowimage.thumb.png.9896e28f940626ad2715d9c4ac22a1ba.png

https://financialhorse.com/ssbs-good-investment/

 

 

there are more than one option avail in googling me https://x.com/gnnbccb?s=21&t=WxsKRj9hm-pT2wyoEmonPQ

Posted
2 minutes ago, QinWei said:

what is SA?
Special Accounts?

No short cuts pls:
https://www.mas.gov.sg/bonds-and-bills/singapore-savings-bonds

 

can wdraw anytime!!! luv it
 

  • Small minimum amount of $500 with subsequent multiples of $500.
  • No costs or commissions to pay
  • every mth will have a new ssb for u , at about 2.1 pa nowimage.thumb.png.9896e28f940626ad2715d9c4ac22a1ba.png

https://financialhorse.com/ssbs-good-investment/

 

 Saving Accounts 😛

Posted
6 minutes ago, QinWei said:

u replied like lightning!!! nevertheless, gd attitude

saving a/cs are NOT invesmts

go readup 

 

I happened to be online now. haha

 

very confusing to me... am not good with all these kind of stuffs actually.

Posted
5 minutes ago, milodinosaur91 said:

new fav topic now

keep it up there is NO SHort cut
learn to ask specific question and not general ones:
 

 

On 8/19/2025 at 11:33 PM, milodinosaur91 said:

all these kinda dry to me… any kind soul can teach me directly?

 

 

 

 


and it is never a rocket sci to begin with

esp this is your wish to retire at ...
& she is lowly educated!!! (taiwanese) :

I am Sorry! i looked down on banks or bankers that offer certain banking opportunities for pp of certain income level or able to put into FD with a min amount!!

she is able to achieve this thru : careful planning with low income 

 

 

there are more than one option avail in googling me https://x.com/gnnbccb?s=21&t=WxsKRj9hm-pT2wyoEmonPQ

Posted

no, not alot 
i only trust that few ones

to the extent people assumed i m one of them!!! 
the reason why i keep posting the same ones is cos i trusted them

12 hours ago, radiusulnar said:

So many YouTuber giving financial advice now. 

i wish i have the Free time to make videos!! 
i will do ONLY Fans instead to earn lol

 

there are more than one option avail in googling me https://x.com/gnnbccb?s=21&t=WxsKRj9hm-pT2wyoEmonPQ

Posted (edited)

My investment in gold had more than doubled in value with prices increasing rapidly every month! 

Also note that rises in gold also means devaluation in the dollars!

Fortunately I didn't cashed out earlier this year but instead top up some more!

Edited by Anderson
Posted (edited)

Guess my ways is different. Me more to football bets at SG Pools especially current SG Premier League, just always bet on LCS winning and Young Lions losing, will win more money every season. Haha. Up to now, no lose every round because LCS so far win 3 round already, Young Lions lost 2 round too. Ystd only YSL lost 1-5 to tanjong pagar team, which im win big at SG Pools apps for rate 1.70, my win total 8.5k in which 5k is bet money get back and bets win me profits of 3.5k lel. So good. Haha.

Edited by CharlesMKz
Posted

yes indeed

but many keep crying it's CPF! what is wrong w tht?
legally ie ur $ too
Why let the bankers earn?

topping up to CPF has benefits too , unless u already hit FRS

3 hours ago, radiusulnar said:

FD rates free falling. Maybe put into CPF better option?

i assumed all of u have already exhausted  Chocolate Finance and bigfundr etc options

 

there are more than one option avail in googling me https://x.com/gnnbccb?s=21&t=WxsKRj9hm-pT2wyoEmonPQ

Posted (edited)
17 minutes ago, radiusulnar said:

Never heard of bigfundr before. Will check it out. Chocolate finance not keen

ooooh , u missed out alot: 

Signing up is free : https://portal.bigfundr.com/BigFundr/SignUp?ReferralCode=R43464T

 



erm been using it since last mid year or earlier?

though the rates dropped abit 

I wish someone could share even better invesmts with me , but no1 did

 

On 6/8/2024 at 10:29 PM, QinWei said:

 

 

best is bigfundr

anyone bigfundr, pls share here

On 6/7/2024 at 7:18 PM, QinWei said:

anyone using bigfundr! Love it!!!!!!!!!!!!!!!!!!!!



6% and above for 9mths -1yr

 

Licensed & Regulated by the Monetary Authority of Singapore | CMS Licence 101098

Best Capital Guaranteed Investment In Singapore

read its reviews from the lowest rating as alwys:
https://www.google.com/search?sca_esv=ddf9d82acd96d665&kgmid=/g/11swy5lbnr&q=BigFundr+Pte+Ltd&shndl=30&shem=lcuae,uaasie,shrtsdl&source=sh/x/loc/uni/m1/1&kgs=5133c552de3a3bff&utm_source=lcuae,uaasie,shrtsdl,sh/x/loc/uni/m1/1#lrd=0x31da17b08af4b245:0x590b7b5efd88ec25,1,,,,

 

https://thenewageparents.com/bigfundr-best-returns/

 

i learnt my lessons NO MORE s-reits:

 

Edited by QinWei

 

there are more than one option avail in googling me https://x.com/gnnbccb?s=21&t=WxsKRj9hm-pT2wyoEmonPQ

Posted


did u guys even investd in OA first ?? see the returns fr 5yr, i dont think the 1 yr is realistic as China stock only start to bound bk after sep


East spring jp of cos done well cos - this yr jp start to improve
& dont be silly to use OA on bond-related funds! bcos bonds wont let u beat 2.5% of OA! why risk it?
 

 

there are more than one option avail in googling me https://x.com/gnnbccb?s=21&t=WxsKRj9hm-pT2wyoEmonPQ

Posted

I max up my CPF top up to reduce tax 

I put some money in SRS to reduce tax + use that money to invest 

i do short-mid term trading on blue chips company and sell once i reach 10% of profit 

i accumulate top glove SGX:BVA for another pandemic play (will probably see only gains in 10 years)

i accumulate sheng shiong SGX: OV8 as it's market resilience  

Posted (edited)

My shares on SGX are progressing in snap pace when I’m holding them. When I sell them off, the price behaves differently! 😖🤒

Edited by bluerunner
Corrected typo
Posted
On 9/26/2025 at 7:41 AM, radiusulnar said:

MAS cracking down on unlicensed fin-luencers. Hopefully safer for everyone!

finfluencers are all unlicensed

but it s not Kelv and those i reguarly shared
all of us b it whichever platform we posted, we wish to genuinely help pp to huat 

no1 got the time to spam or waste! We rather invest, correct?


 

18 minutes ago, bluerunner said:

My shares on SHX are progressing in snap pace when I’m holding them. When I sell them off, the price behaves differently! 😖🤒

this is Life Bluerunner!! we all faced the same situation

what is SHX, shanghai or u meant SGX?
 

SSE 
is the standard abbreviation for the Shanghai Stock Exchange

 

 

there are more than one option avail in googling me https://x.com/gnnbccb?s=21&t=WxsKRj9hm-pT2wyoEmonPQ

Posted
45 minutes ago, bluerunner said:

@QinWeimy bad for the typo. Blame my fat finger, 老花, and minor dyslexia 

No issues at all

hope u r still holding to some stks and shares

we have reading glasses w presbyopia …

 

 

 

 

 

look beyond dividends eg rev of at least 5-10%

cagr etc

 

But i really didnt like too much on income/div strat
he mentioned some reits but cant make your pf grow much!!!!

 

 

there are more than one option avail in googling me https://x.com/gnnbccb?s=21&t=WxsKRj9hm-pT2wyoEmonPQ

Posted (edited)
On 10/5/2025 at 3:12 PM, QinWei said:

No iLP too, be wary

 

 

Interesting. Just last week, someone was trying to sell me an IPL, saying one benefit is my family will get back all my principle if I pass on, regardless of the underlying mutual fund prices. Certainly an advantage for anyone who wants to bequest their loved ones. Wondering what are your thoughts on this?

Edited by redkiwi
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