- Видео 183
- Просмотров 2 516 674
Demi Zhuang
Сингапур
Добавлен 8 окт 2021
I LOVE all things personal finance - saving, budgeting, tips and tricks to save on my already incurring expenses. I’m documenting my personal finance journey towards achieving my dreams on this channel and hope it'll inspire others, like you, to create a life that you love to live (and some useful travel tips 🙂).
If you are interested, follow along on this journey~
A disclaimer, all videos are meant for education and entertainment purposes only. You are advised to perform independent research yourself or seek a qualified financial adviser. I will not be liable for any losses directly or indirectly from any product / material provided and mentioned. This channel has not been reviewed by the Monetary Authority of Singapore.
If you are interested, follow along on this journey~
A disclaimer, all videos are meant for education and entertainment purposes only. You are advised to perform independent research yourself or seek a qualified financial adviser. I will not be liable for any losses directly or indirectly from any product / material provided and mentioned. This channel has not been reviewed by the Monetary Authority of Singapore.
How much 9 Sources of Income paid me in October
Can I repeat September's income again? Here's how much my 9 streams of income made in October.
Sponsor: 🤖 StashAway
Get your first 6 Months of $20,000 managed for Free ➡️ www.stashaway.sg/ref/demizhuang
Looking for ways to invest your SRS monies, check out StashAway's Flexible portfolio ➡️ www.stashaway.sg/flexible-portfolios
StashAway is a brand of Asia Wealth Platform Pte Ltd (201624878Z), which is licensed by the Monetary Authority of Singapore (CMS100604). This advertisement has not been reviewed by the Monetary Authority of Singapore. For full disclaimer: www.stashaway.sg/legal
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Others mentioned in video
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Sponsor: 🤖 StashAway
Get your first 6 Months of $20,000 managed for Free ➡️ www.stashaway.sg/ref/demizhuang
Looking for ways to invest your SRS monies, check out StashAway's Flexible portfolio ➡️ www.stashaway.sg/flexible-portfolios
StashAway is a brand of Asia Wealth Platform Pte Ltd (201624878Z), which is licensed by the Monetary Authority of Singapore (CMS100604). This advertisement has not been reviewed by the Monetary Authority of Singapore. For full disclaimer: www.stashaway.sg/legal
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Others mentioned in video
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Просмотров: 4 802
Видео
If you've always been afraid of investing... | Syfe S&P500 Downside Protection
Просмотров 6 тыс.День назад
Singapore's first protected portfolio by Syfe. If you've always put on hold investing in the S&P500, this downside protected portfolio could be the one for you! Sign up 🎁 for New AND Existing Customers from now to 30 November 2024 Use promo code ➡️ DSPDEMI to get fee rebates for 3/4/5/6 months depending on your Deposit amount 🔗 www.syfe.com/magazine/demi-exclusive-syfe-protected-portfolios-prom...
Stop using UOB One! Trust Bank Cashback Credit Card could be your BETTER alternative
Просмотров 19 тыс.14 дней назад
Video is not sponsored, if you’re signing up, support by using my code 🙂 🎁 Sign up for Trust Cashback card with code ➡️ 69F3T6UM Receive a sure-win scratch card of up to $1,000 Cashback, minimum $5 🔗 trustbank.sg/cashback-credit-card/ 🔗 trustbank.sg/link-credit-card/ If you've always thought you needed to spend on a UOB Card just for the savings account interest, think again. or just watch this...
How I Spent and Invested my $20,000 Income from September
Просмотров 11 тыс.14 дней назад
If you haven't caught the breakdown of my income streams for September ➡️ ruclips.net/video/8S77xmF_aj8/видео.html Sponsor: Kick start your investment journey with a Regular Savings Plan on Moomoo SG with as low as USD$10 🎁 New User Rewards up to S$1,034 📝 Step by Step Guide on my website ➡️ bit.ly/4cT4Qsa 🌟 Sign up with my link to receive an additional $20 ➡️ start.moomoo.com/01jXba 👉🏼 Deposit...
Stop using YouTrip Overseas! 5 Reasons Why Trust Bank is your SIMPLER & Safer Alternative
Просмотров 65 тыс.21 день назад
Video is not sponsored, if you’re signing up, support by using my code 🙂 🎁 Sign up for Trust Cashback card with code ➡️ 69F3T6UM Receive a sure-win scratch card of up to $1,000 Cashback, minimum $5 🔗 trustbank.sg/cashback-credit-card/ 🔗 trustbank.sg/link-credit-card/ Here are 5 reasons why Trust Bank Credit Card is your all in one travel card an alternative to YouTrip. From now to 31st December...
Life update...
Просмотров 12 тыс.28 дней назад
This pretty much sums up my simple life here in Singapore. Ergotune Vesby ergotune.com/products/ergotune-vesby Connect With Me 📫 Email - demi.zhuangg@gmail.com Contact me - tally.so/r/w8xgRP 👋🏼 Instagram - demiizhuangg 🌐 My Website - demizhuang.com 📩 Sign up for my Free Newsletter - demizhuang.substack.com/ 💛 My Shop - ko-fi.com/demizhuang/shop Free Music for Videos 👉 Music by Tos...
My 9 Income Streams that made me $20,000 in September
Просмотров 40 тыс.Месяц назад
These are my 9 Sources of Income that made me about $20,000 in September. First 5 are pretty much passive while others are active income. Affiliate Link 🔗 Moomoo's 6.8% p.a. Guaranteed Returns continues for New Users for 30 days! 🎁 Maximum Returns S$447 (deposit S$80,000) | min $0.01 up to S$1,034 Total Rewards ⏳ 23 July 2024, 10:00PM SGT - 31 October 2024, 9:59PM SGT 📝 Step by Step Guide on my...
I stacked ShopBack Cashback and Credit Cards to get a FREE flight to Japan
Просмотров 18 тыс.Месяц назад
🎁 New to ShopBack receive S$10 ➡️ app.shopback.com/sgp/partner/demi10 Wow, the Cashback after stacking both ShopBack and Credit Cards can get pretty substantial when booking for a holiday ✈️ After running the numbers it pretty much gave 1 of us a free return ticket to Japan. Trip-tastic deal happens every 21-23 of the month, stay tuned for October's deal. 💳 DBS Womans World Mastercard - bit.ly/...
I found the CHEAPEST way to Invest into the S&P500 ETF CSPX | Step by Step Guide
Просмотров 20 тыс.Месяц назад
We're all on the hunt for a platform to invest in regularly and for as little fees as possible. When I was doing the switch from VOO to CSPX I never knew there was a platform that allows us to invest for free! Thank you to @ahsiong88 and @kitsura ! 🙂 FSMOne's ETF Regular Savings Plan has 0% processing fees where you can invest from as low as S$50 each time. Most importantly, it allows us to...
This might be the last of Money Diaries...
Просмотров 24 тыс.Месяц назад
Time definitely flies, it's been 2.5 years since I started this Money Diaries series and a lot have changed. It also showed me how possible things turn out to be. Let me know your thoughts in the comments ⬇️ or DM me on 👋🏼 Instagram - demiizhuangg HSBC TravelOne UPDATE 1️⃣ Direct sign up with HSBC to get 20,000 Miles (50,000 Reward points) ➡️ bit.ly/4e2CwUe ➡️ Existing card holder...
I tried Trust Banks New Cashback Card | Full Review Watch before you apply!
Просмотров 11 тыс.Месяц назад
🎁 Sign up for Trust Cashback card with code - 69F3T6UM 🔗 trustbank.sg/cashback-credit-card/ Trust Bank launched their all-new Cashback Credit Card offering up to 15% cashback on a preferred category and this is my review after trying the card out for myself. Watch on to find out what is the effective cashback rate and what it's really good for! In your first 30 days, get 3 sure-win scratch card...
How I plan for my Travels for the Best Value | Travel Planning w Wise
Просмотров 3,2 тыс.2 месяца назад
🌟 WISE ➡️ Get your fee FREE transfer S$850 wi.se/demizhuang Time flies, we are already approaching the end of 2024. It'll be a great opportunity to spend some time alone to pause, reflect and plan for the following year so here's me planning and ensuring I get the most value with my travel bookings. Connect With Me 📫 Email - demi.zhuangg@gmail.com 👋🏼 Instagram - demiizhuangg 🌐 My ...
Things I Wish I Knew Before Investing | BEGINNERS ONLY
Просмотров 8 тыс.2 месяца назад
Things I Wish I Knew Before Investing | BEGINNERS ONLY
Lost my Wise Travel Card 🥲 | Day Trip to Johor
Просмотров 9 тыс.2 месяца назад
Lost my Wise Travel Card 🥲 | Day Trip to Johor
July Income and Expenses | Mid Year Check in Savings Rate for 2024
Просмотров 7 тыс.2 месяца назад
July Income and Expenses | Mid Year Check in Savings Rate for 2024
Difference between Moomoo's SGD Cash Funds | my 6.8% Returns Revealed
Просмотров 14 тыс.3 месяца назад
Difference between Moomoo's SGD Cash Funds | my 6.8% Returns Revealed
Update your No minimum spending Credit Card combination for Cashback AND Miles
Просмотров 15 тыс.3 месяца назад
Update your No minimum spending Credit Card combination for Cashback AND Miles
June Income and Expenses | NEW Income source, applying the concept of a sinking fund
Просмотров 8 тыс.3 месяца назад
June Income and Expenses | NEW Income source, applying the concept of a sinking fund
Best Multi Currency Card Rates Update 2024
Просмотров 13 тыс.4 месяца назад
Best Multi Currency Card Rates Update 2024
How I got a FREE Trip to Japan VLOG | NOT Sponsored
Просмотров 8 тыс.4 месяца назад
How I got a FREE Trip to Japan VLOG | NOT Sponsored
Switching from VOO to CSPX | I sold ALL my S&P500 ETF
Просмотров 66 тыс.4 месяца назад
Switching from VOO to CSPX | I sold ALL my S&P500 ETF
It’s Over for Cashback Credit Cards… ✄ UOB EVOL ❌
Просмотров 9 тыс.4 месяца назад
It’s Over for Cashback Credit Cards… ✄ UOB EVOL ❌
Accounting for my Income and Expenses in Singapore | Dividends, YouTube Income, How I Spend my Money
Просмотров 10 тыс.5 месяцев назад
Accounting for my Income and Expenses in Singapore | Dividends, RUclips Income, How I Spend my Money
How Much We Spend a Day in New York City
Просмотров 2,9 тыс.5 месяцев назад
How Much We Spend a Day in New York City
How I Chose Moomoo Singapore to Invest On (SG Stocks) | The Most Important Analysis
Просмотров 8 тыс.5 месяцев назад
How I Chose Moomoo Singapore to Invest On (SG Stocks) | The Most Important Analysis
How Much Money I Have Saved and Invested at 28 Years Old
Просмотров 77 тыс.5 месяцев назад
How Much Money I Have Saved and Invested at 28 Years Old
Touring NASDAQ HQ in New York City 🤯 with @moomoosingapore
Просмотров 15 тыс.6 месяцев назад
Touring NASDAQ HQ in New York City 🤯 with @moomoosingapore
Citi Rewards Credit Card Full Guide | 4mpd or 2.27% Cashback
Просмотров 21 тыс.6 месяцев назад
Citi Rewards Credit Card Full Guide | 4mpd or 2.27% Cashback
Your SIMPLER alternative to HSBC Revolution | UOB One Credit Card
Просмотров 11 тыс.6 месяцев назад
Your SIMPLER alternative to HSBC Revolution | UOB One Credit Card
Thank you for recommending Rebecca Jin financials on one of your videos. I reached out to her and investing with her has been amazing.
Wow, congratulations on your impressive investment success! Your discipline and focus on delayed gratification is truly inspiring. I'm curious, what are some of the key factors that you consider when making investment decisions? Do you have any tips for those of us who are just starting to dip our toes into the world of investing? Thanks for sharing your story!
Do you mind sharing info on the adviser who assisted you? I'm 39 now and would love to grow my portfolio and plan my retirement
She's Rebecca Jin financials
How do I access her ? I really need this
+130
youtrip card exchange is much better than trust bank card
So which 1 it best for us to subscribe?
Hi, just want to check if anyone have tried using Citi Rewards Mastercard with Atome and successfully get 4mpd for it? Also for subscription (recurring bill payment) like example Giga, or RUclips premium will still earn 4MPD with Citi Rewards?
Thank You for sharing 🙏
Youtrip is gonna go bussssttttt
Reflecting on my journey with Dollar Cost Averaging in the S&P 500! With uSMART SG, you can easily trade low-fee ETFs like VOO and get free Tesla stock + $180 with code n74lob!
What are your thoughts on hedge fund trading? I started buying and selling options and made almost 60% ROI in a month despite the high risk
No thoughts on it. I don't do that.
I used them all and confirm that trust card gives the worst rate overseas, possibly given that it's the only credit card. youtrip gives the best rate followed by wise, then revolt and lastly youtrip. trust is still better than using bank credit card but ultimately, its still a credit card and the bank is not going to give us a better rate when those prepaid credit card can use those "deposit" and earn interest. But I agree trust card in Singapore is really good! All card are used on the same day in my comparison.
For Citi rewards+amaze , can I pay the transaction using my Apple Pay (Amaze card) instead of using physical Amaze card?
Thanks good share 🎉
This card is sadly, filled with dishonest promise if you are using it for foreign currency spending. Im not even talking about how the 15% cashback advertisement for this card that comes with T&C. The worst part is that if you had a chosen category, you will NOT earn even 1.5% cashback if you fail to spend the minimum requirement for the quarter. Meaning if you are using this card only for Travelling in one month, you wont be able to hit the quarterly spending and you are not eligible for the 1.5% cashback too. I have already confirmed this through the Live chat in Trust app after making $2k without any cashback.
This card is sadly, filled with dishonest promise if you are using it for foreign currency spending. Im not even talking about how the 15% cashback advertisement for this card that comes with T&C. The worst part is that if you had a chosen category, you will NOT earn even 1.5% cashback if you fail to spend the minimum requirement for the quarter. Meaning if you are using this card only for Travelling in one month, you wont be able to hit the quarterly spending and you are not eligible for the 1.5% cashback too. I have already confirmed this through the Live chat in Trust app after making $2k without any cashback.
Hi Demi, could you explain how you derive the commission and platform fee numbers in your video? (0.06% of traded value, min $1.98/order) when it seems to be written 0$0.99 per order and there's no mention of a 0.06%
Hello! If you pull down the tab at the SG market price, you’ll see commission fee is 0.03% + platform fee 0.03% of the traded volume after the 1 year comm free trade for new users - www.moomoo.com/sg/broker-about/pricing
Hi thanks for this video. How do we avoid margin trading? Can we turn off this function? or as Long as we buy lesser than the total deposit amount I’m the account we are safe?
Go to account settings and switch it off
wait so the insurance/tax premiums can earn with the amaze card combo? or cant?
Cannot.
Personally been using Trust card at Taiwan, Hong Kong, Macau and Zhuhai for last couple of months. Link up to my Google pay as well. No issues, exchange rates one of the best, perhaps there are better rates elsewhere but I am happy with it. Customer service can help u promptly if any issues.
Did notice the changes in postures during the video and it must have been quite an ordeal, being a back pain sufferer. Great coverage on how we can better manage the money that we worked so hard for and how it can in return work HARDER for us. Wishing you speedy recovery ❤️🩹. Thank you.
Thank youu so much!
Thank you for your sharing! Your videos have helped me discover more possibilities as a personal investor
Demi I think 15300 is the maximum contribution and not the maximum tax rebate.
yesyes. SRS annual max contribution $15,300. Personal tax relief per year max is $80K.
Take care girl. Thank you for sharing too.
Time for cai png with fish 😁😁
Is she speaking Singlish?
🫣
Best wishes to you with Swift and full recovery without any future complications 🙏
Just wondering because not sure if the market is not overvalued and worried to go into any investments... what are your thoughts and any ideas to deal with it
I'm still continuing my DCA journey.
can do a video on SRS in the event if you pass away before age 63 , how your family will get the srs funds ? etc still tax payable or not tax payable. Thank you.
U ahould have kept it😂
Haha I still have it! In CSPX
@DemiZhuang that's awesome. I use to buy single stocks and go all in. It became very stressful constantly watching the market swings. I just do voo and fxaix now. I use roth ira for voo because there's no taxes. Fxaix is all 401k 30 percent per paycheck. I don't make much and probably won't ever be rich but my 2 boys will have the luxury I didn't have financially. That's why I invest :)
Yes of course I hate my job too! Investing helps me feel secure for earlier retirement haha
Looking forward to your tax reduction guide. I was considering topping up SRS to buy DBS shares. But I'll wait for your suggestions instead 😃
Thats my plan too haha
Great video to inspire me to research more into SRS. Understand that this video is sponsored by StashAway, but maybe a video to showcase and compare platforms that can use our SRS for long term investing? For your consideration.
Will do! :)
Demi! you're done collecting miles meaning switching to team cashback? i'm actually kinda worried i might not be able to get enough miles, i guess im just gonna give myself a few years and will see :')
Haha likely just for this quarter or when I maxed out other credit cards!! Yesyes! Give it some time! I only just accumulated enough for 2 tickets
Hope you are doing good! :)
A lot better the past few days 🙂
good! 👍
will you be planning for a video on alternative for transport credit card since the SC smart CC is going to be nerf badly?
Yup
please take care
Yeah.. been waiting for this video
🙈
Thoughts gxs credit card ?
The flexi card?
Local spending unlimited cashback is quite good
Yup
I got my card few days before. But can't transfer balance. Why? First time use to buy or something?
Can ask HSBC CS in app.
If i were to spend $500 each month, the total cashback i receive for 3 months is only $30 (minimum cap) instead of $90..such a misleading credit card
I buy rm20 i lost rm25 .
I wish trust to collaborate with MasterCard because it offer better exchange compared to Visa
Trust is not 😢great because visa exchange
Not true. Video comparing the rates is coming out soon. Wise and Revolut both Visa has rates better than Mastercards.
Mastercard is best exchange rate
Hello Demi !great video . Can I ask if we use trust cash back card attach to Alipay WeChat pay , do we have to pay the 3% if we spent more than 200rmb per transaction?
Hmm i’m too sure about this!
yes. the 3% is on alipay's side. Whether its youtrip/trust bank/wise transfer, there is still 3% above 200rmb. some resorted to splitting the final sum to avoid 3%.
Hi Demi, This question might be a little late. I applied for the UOB Absolute Cashback Amex Credit Card and spent the required 2 x $1000 for two consecutive months. There will be a free Samsonite luggage. However, I am required to pay the annual fee. I have also heard many people calling for waiver successfully. Will I still have a chance to get the luggage if I call for the waiver? Thanks
Is there a minimum amount to start investing into the VOO?
Nope. Use fractional trades on Syfe Trade. Moomoo min is USD10
Can I just get the trust link card for overseas spend? Am I losing out if i don’t apply for the trust Cashback credit card?
Just the 1.5% / 1% cashback you could earn on the cashback CC. Link card earns link points
Hi Demi, how to signup with your cc promo code if I already have an a/c? Have to be new to cc and new to bank, both ah
Hi! Yea haha must be new to bank.
Hi Demi, have you consider CNDX? Would love to hear your thoughts on it ☺️
Hello! Nope have not searched into that.