Should You Refinance Your HDB Loan in 2026?
Bank rates are below 1.5%. If you are still on the HDB loan at 2.6%, you are overpaying by $3,000+ a year on a $500K loan. The full breakdown on refinancing and what to do with your CPF OA instead.
Best Credit Cards for Big Ticket Purchases in Singapore (2026)
Wedding, renovation, new home. The exact card stack I used, the sub-caps that matter, and how to earn miles even when the merchant says no credit card.
How to Invest SRS in Global ETFs (Not Unit Trusts)
StashAway ETF Explorer is the only SRS-compatible platform in Singapore that lets you buy a UCITS ETF (ISAC) at 15% dividend WHT — not 30%. My unsponsored breakdown and personal S$20,000 deployment plan.
HSBC Revolution just got a lot better. Here's what changed.
4 mpd permanently restored on travel and contactless. 8 mpd if you park $50k in the EGA. Visa Signature upgrade. Travel insurance back. My full breakdown.
Best Cashback Cards with No Minimum Spend in Singapore 2026
Eight cards that earn on every dollar with no minimum spend. My pick for convenience, and why unlimited cashback is fine as a catch-all but not a complete strategy.
The Future of Singapore's Economy. My 2026 prediction.
TFR at 0.87. One in four citizens over 65 by 2030. More furkids, fewer families, and a housing inheritance wave. Here is where I think the money flows.
My Investment Strategy for 2026. A lot has changed.
I stopped adding to S&P 500, shifted to ACWD for global diversification, and started building a precious metals position. Here is the full breakdown.
Best Credit Cards for Travel Bookings in Singapore 2026
Platform discounts before miles. My full stacking strategy for Traveloka, DBS Women World, Maybank XL and more for flights and hotels in 2026.
CPF Full Retirement Sum 2026. Four years on.
My real CPF balances, 2026 interest forecast, the VCMA window, supercharging update, and whether I regret hitting FRS early at 30.
My CPF Strategy for 2026. And Why You Should Have One Too.
BHS up to $79K, FRS at $220,400, and a new salary ceiling. The full playbook — including what changed for me personally this year.
I Set a USD 1 Million Goal at 30. I Hit It at 34.
I announced the goal before I was sure I could do it. A year later the portfolio was deep in the red. This is the honest version of what happened.
My 2026 Credit Card Strategy Just Changed
Nerfs, tactical shifts, and the spending trap most people fall into. Maybank F&F, DBS yuu, and what I am doing differently this year.