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Did you see that it is 30k points for 10k miles for hsbc next year

Invesco & VUSA all domicile in ireland --- But i do Invesco all world (ACC) -- TER of 0.15

Is there any cheaper way ? without 1.70 fee every month?

Need an update this year!!!!!!!

please share all excel for free eg in kofi etc thanks, pros & cons of poem amundi sgd

5:20 you are so smart, I wonder where did you take this calculator from...I am learning! Thanks for sharing

Shopback's cashback will only take effect on the next purchase/booking. Does it also apply here too?

Hi, Demi! Great video! I would like to ask. Out of 100% net worth, how much % do you recommend to invest in low risk investment? And, in high risk investment?

According to Trust bank, they do not have the feature to set for the minimum monthly spend. The minimum monthly spend of $500/1000/2000 across all eligible spending using your Trust Cashback card over 3 consecutive months is the criteria for you to receive the quarterly cashback of 5/10/15%. Maybe you like to clarify?

Where's the Korean restaurant at? 😝

Hi Demi, can you use the DBS credit card method to pay for Trust card bill? I can't find trust credit card in the option and might have accidentally paid using cash advance instead.

Hi Demi, Pauline here. Totally enjoyed your video on SRS and what you are doining in allocating the funds. Message is clear. I have forwarded to my boy who is starting work in Feb 2025. A good inroductory video for all yound working adult. Thank you for making the video.

​ @DemiZhuang I got dbs cc approved yesterday not received physical card yet, I am trying to add billing org and setting up payment using dbs cc it says incorrect but when I select payment option as dbs bank account it gets added. Can you confirm if its still working? Tried with two cc's SC SMART and CITI REWARDS and payment using DBS LIVE FRESH. None of them worked.

Wow! I made about 77 dollars from dividends this month... my goals still seem so far out of reach.

Will this promo cont in 2025?

I remember you mention previously you hold cict shares. If one day cict hold rights issue which lead to drop in share price what will you do?

really inspiring to see how far you've come! they really paid you peanuts sia, but you kept going with your hustling and you're making it closer to your goal day by day!

Hi Demi, thank you for such valuable information. I have a question at minute 3:09: why is it necessary to withdraw the money to my bank savings account and then send it back to IBKR? Couldn't the money just be used within IBKR to buy CSPX without needing to withdraw it to my bank account?

what caused it? wanna avoid it myself

How likely is any of the Singapore's large local banks such as DBS-POSB, UOB, OCBC, Standard Chartered Bank, CitiGold Bank SG, MayBank, etc to default on enormous mortgage and commercial loans (extreme bad debts) such that the mark-to-market accounting results released as news by these publicly-traded banking groups shock investors and cause the banks' stock prices to collapse, even the stock exchange to potentially shutter for a few days like during the 1985 Pan-Electric debacle to stop huge trading losses and flush out of funds? Therefore, what if any of the local banks in Singapore turn bankrupt and such news is announced?

Competitively bidded 3.70%p.a. 6-Months Singapore Treasury Bills (T-Bills) pegged to the Monetary Authority of Singapore (MAS) SGS bonds that were issued in June 2024 are soon to mature in a few days time, sending a 'guaranteed by the government' signal that those who bidded earlier last year and early this year 2024 for the T-Bills and SGS bonds are able to reap around 4%p.a. what they sowed wisely, getting 'presents as gifts' early for Christmas from the Santa Claus employed by our government. Better than the 3% or less p.a. bond yields offered across the board now that are fast going down into the 2%p.a. ranges due to the US Fed Reserve reducing interest rates % going into next year 2025. Thus, what [Josh Tan - The Astute Parent]'s RUclips™opinions about the SGS bonds and SG Savings bonds are very true indeed. A financial analyst that is very knowledgeable in Economics.

I wish my daughter is as frugal as you and as financial savvy as you..haiz.... I contribute SRS in the last few years and use it for t bills and etf shares. I forsee myself paying tax when I start withdrawing even at mid 60, as I have rental income from properties.

if i wnt to pay my uni school fees online which card shud i use assuming i hv all the cards u mentioned

I was very pleased with many of your videos and then now you're promoting StashAway? Do you know that Stashaway's track record is the worst when compared to Endowus and also SYFE? I've lost money with them and it wasn't even those high risk type. You just read all the comments and reviews about them.

Hi Demi, mind asking why r u staying or what r u doing in Korea?

Well done, young lady! ❤ Best wishes for you in the coming new year 2025 🌈

Chocolate Finance is NOT a money market fund! It includes both MMF and short-term bond funds which has a slightly higher risk ratio.

Another thing to consider is capital appreciation, compounding effect is significant and could exceed 400k upon retirement age

robo-advisors 👎

Hi Demi, is the 10x reward points for this card is unlimited?

in the example, does the DBS card earn anything for paying other cards bill ?

i remember you have a video cashing out S&P and to wait for the price to come down. I was worried for you then but now you have regularly invested in S&P which is good.

You are brave to enter DBS at current price. Salute! i do buy and sell regularly for small trade value, Poems cash plus is good enough for me. At trade value of $11K, usually how much the stock value move (for capital gain) that are more crucial for me to consider than to worry about commission.

Also suggest to buy S27

Self employed previously. Has been doing quite well with stock investment . I am skeptical about stashing any funds with the govt . What good if you can make more than 6-10% from investment?

Is it painful?😂

Does she come from money?

Thanks for sharing. Will it be cheaper to invest using a 0 commission broker compared to the platform fees of Syfe or stashaway? While we get tax rebates we are giving away to charges like this.

How i wish there’s a cheaper way to invest in CSPX using SRS.

It not advisable to invest in individual stocks using an SRS account. Corporate actions issued by the company, such as rights issues, may require you to top up your SRS account. If you have already reached the maximum tax deduction limit, such actions can negatively impact your cash flow. Even with a stable bank like DBS, there are no guarantees that unforeseen events wont occur over the next 20 years.

You are a good kid Demi. Wish my daughter would start watching your videos

no min spend but the cards all have annual fees after 1 year waiver. in the end, the cards are not suitable for low spenders because of Annual fees

How to top up CNY in the YouTrip app? the GUI lacking of user intuitiveness :-(

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so if we choose to lock in for 3 months at 3.1% pa, would we get that 3.1% after 3 months and can take out all our money?

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Trust card(debit card) is good in rate but in eastern Europe, I can't use this card to buy metro ticket from machine. I have to use visa/master card. Restaurants and shops are ok.