Great sharing to motivate other who has the same aspiration. You are too humble saying that your income is “not stable” even though it has been steadily increasing month by month. 🎉 Congratulations
Come on, I barely skimmed through this vid. One of the few myths: dividends for those REITs comes 2x a year you should divide them by 6 not take the lump sum. You should really put a disclaimer on this
Thanks for sharing. Enjoy your sharing and financial knowledge. The thing with me is I don't know where to start and not tech savvy enough, don't really know how to use the apps available😅
Thanks for sharing.. really opened my eyes as to how affiliate earnings can scale up so much. Is it more towards the credit cards/personal finance portion?
Hi Demi, you bought Bond during IPO direct or secondary market?? Where should I track to look for upcoming retail bond IPO's?? I only come to know abt bonds when they alr in secondary market!
IPO through the banks when they first issued! Ah I usually see them on the newspapers 🙈 I recall there is a website that shows this but I can’t rmb the name. Can also follow growbeansprout.
bruh its click bait, this channel has 20k subs, she has 2k followers on instagram with a 100 some avg likes. It sounds like cap, she has to show the paper, not just say I made this and that. Everyone of these creators are rich, then you recognize they broke as hell.
@@ricardomartinhodacruzso u convinced yourself she's click baiting you just so you can soothe yourself by telling yourself that "it's fake, they are not rich im fine where you am"? i think it's even more pitiful that you even HAD to doubt this just to make yourself feel better
It's an amazing sum of income (esp how you benchmarked this with yourself during your 9-5); thanks for the reminder on Prudence with this too. Big congrats :)
Thanks for the sharing Demi, it’s always great to learn tips from you 😊 I too aspire to achieve that too but really Im just working hard but not smart enough..
She has between 150k to 160k in her HSBC EGA account with an annual interest rate of 3.25% it gives her around 430 SGD/month. The same goes for UOB...she has 150k there
Assuming 240k annually without any tax relief, the income tax would be between 27k and 30k. Singapore has really low income tax as compared to most countries
my capital now is only about 15k-ish, and monthly can only save about 5-800.. with my portfolio about 7% pa. return.. guess will take a long time and now hdb cost about 500k
From your video, 16k from affliates forms the major source of your income. Do you mind sharing more ?
Great video Demi! I believe a lot of pepole will benefit from the simple passive incomes. Thumps up!
think you have substantial savings to generate that kind of interest amount.
Thank you for sharing with us.
Girl!you are a life changer!🎉
Nice Sharing
Thank You for sharing 🙏
Ya it’s very hard to retire in singapore. Your type of income stream is the minimum lifestyle of retirement in singapore
Are there any way to reduce RUclips tax?
Thank you for sharing ! 😊
Great sharing to motivate other who has the same aspiration. You are too humble saying that your income is “not stable” even though it has been steadily increasing month by month. 🎉 Congratulations
I hope I get there some day...great video!
Come on, I barely skimmed through this vid. One of the few myths: dividends for those REITs comes 2x a year you should divide them by 6 not take the lump sum. You should really put a disclaimer on this
8 income streams of total 4k....
Click baited 😂
Thank you for your sharing! Your videos have helped me discover more possibilities as a personal investor
good sharing
Congrats! Yeah prudency is impt. Self employed got ups and downs. Great content once again🎉
Thanks for sharing. Enjoy your sharing and financial knowledge. The thing with me is I don't know where to start and not tech savvy enough, don't really know how to use the apps available😅
🙈
Chocolate Finance is NOT a money market fund!
It includes both MMF and short-term bond funds which has a slightly higher risk ratio.
Yep sorry abt that!
Thanks for sharing.. really opened my eyes as to how affiliate earnings can scale up so much. Is it more towards the credit cards/personal finance portion?
Both!
Ty for sharing 😊
Love the transparency!! Keep the great work going!
Hi Demi, you bought Bond during IPO direct or secondary market??
Where should I track to look for upcoming retail bond IPO's??
I only come to know abt bonds when they alr in secondary market!
IPO through the banks when they first issued! Ah I usually see them on the newspapers 🙈 I recall there is a website that shows this but I can’t rmb the name. Can also follow growbeansprout.
4.2% for the 1st $20K for Chocolate Finance is until 31 Oct only. From 1 Nov, it drops to 3.6%.
3.6% for first 20k. 3.2% guaranteed for the next 30k. Withdraw anytime. That's still pretty good to keep 50k there risk free.
Would love to see a video of you breaking down the components of your affiliate earnings. Nice video btw, subscribed!
Haha contract agreements don't allow me to breakdown specifically who pays me what.
Really love it as I am new to it! It gives me a direction and also like a coach on how to diversify, hope this continues
wow… real jobs are losers now… everyone needs to become a content creator… lets goooo
Most content creator does not make it....
bruh its click bait, this channel has 20k subs, she has 2k followers on instagram with a 100 some avg likes.
It sounds like cap, she has to show the paper, not just say I made this and that. Everyone of these creators are rich, then you recognize they broke as hell.
Then we will be watching each other's videos 😂
@@ricardomartinhodacruzso u convinced yourself she's click baiting you just so you can soothe yourself by telling yourself that "it's fake, they are not rich im fine where you am"? i think it's even more pitiful that you even HAD to doubt this just to make yourself feel better
So this is only for September. Whats the average in a year? And how do you handle taxes
It's an amazing sum of income (esp how you benchmarked this with yourself during your 9-5); thanks for the reminder on Prudence with this too. Big congrats :)
Thank youu!!
Thanks for the sharing Demi, it’s always great to learn tips from you 😊 I too aspire to achieve that too but really Im just working hard but not smart enough..
Thank you for leaving a comment! Let’s keep going and never give up! :)
Is affiliate’s income in the form of hard cash?
Cc cash back shouldn't be considered as income stream...
For moomoo for existing users isn’t there any promos?
Congratulations
god bless, very nice
oh i thought was 20K a month..ok, Property Investment is the best, Co living also :)...much more return
Trust cashback card is very suspicious lah.. i spent $1036 last month, but only got $ 5 cashback 😢
What was your chosen category and what was the txn u spent on?
@@DemiZhuang ok got it! For dining category only $500 that’s why. Thanks 😁
And if there is a fraudulent charge on your card you can kiss your money goodby .
How did you get HSBC EGA at $429.50? Care to share?
She has between 150k to 160k in her HSBC EGA account with an annual interest rate of 3.25% it gives her around 430 SGD/month. The same goes for UOB...she has 150k there
I started trading this year. Looking forward to my first ever dividends (from DBS) this November.
Other than that, my only income is my job :)
Nicee 👍🏻👍🏻
Yeah. Just keep buying the 3 local banks. This is not financial advice. 😅 But so far thay have not disappoint.
Demi, congrats and what is the income tax in singapore on this? so 20k is gross, what is net?
Assuming 240k annually without any tax relief, the income tax would be between 27k and 30k. Singapore has really low income tax as compared to most countries
Haha a note too that I don’t make $20K every month + dividends, interest aren’t taxable.
@@DemiZhuang so from this 20k how much was net?
@@DemiZhuang I believe interest and dividends are taxable in SG.
What does coupon reward be like ?
Can refer to this video - ruclips.net/video/WZ1tMP4p0nk/видео.html
Wht do u do with the money u received.invest in back ?
Hehe coming up in a video
but both moomoo and chocofinance isnt capital guranteed right?
Thats right. So understand what the investment is all about first.
May I know the tax treatment for such income? Need to declare to iras?
www.iras.gov.sg/taxes/individual-income-tax/self-employed-and-partnerships/tax-obligations-of-self-employed-persons/basic-guide-for-self-employed-persons
my capital now is only about 15k-ish, and monthly can only save about 5-800.. with my portfolio about 7% pa. return.. guess will take a long time and now hdb cost about 500k
💪🏼💪🏼 keep going!!
Earn more
U r lucky to born in Singapore
@@A_Sen_0 if can who doesnt wish to earn more ? dont come here comment nonsense
@@jman2413
Didn’t meant any offence
I just reminded the privilege u have
High wage economy with low tax
Tat is pretty impressive. At your age, you did very well. 👍
Thank you ☺️
This is yearly income
amazing video and great transparency 🙏🙏i hope to achieve this one day
Subscribed!❤
👍
wow.... affiliate is the major major! the rest all peanuts
what about your job? I thought you were working as well
Left it July 2023
Do you invest in cryptocurrency?
Not at the moment
Sooo u still need captial to start lol
Don't be too transparent.. wait IRAS watch this video.
No point paying so much taxes.
I have to pay taxes anyway. Better not run from SG taxes.
Paying tax is a good problem here, I wish I can pay more 😢
@@DemiZhuang Hi Demi, do you pay tax for all that incomestream?
@@ThatSinjiaporean hello stuff like interest and dividends are not taxable here! Other than that yup they are taxable.
Great sharing from your video, is it possible to have a private message to talk more?