This year, I'm hoping for fruitful investments and a thriving career. How about you?
For investment, as 'Trump 2.0' is approaching, i suppose big changes can still bring big chances for us. So I will spare more time on investment compared to 2024.
For career, I think it's time for me to move a bit forward and get into next level.

Employees in Singapore could see salary increments ranging from 2 per cent to 5 per cent on average in the coming year, though the outlook varies across sectors, according to recent salary surveys by human resources (HR) firms.
Aon, which surveyed more than 950 companies in Singapore and five other South-east Asian countries, found that Singapore employees are poised to receive pay rises of 4.4 per cent, lagging behind places...

In October, the Land Transport Authority said it would inject up to 20,000 COEs over the next few years from February 2025, as travel patterns have evolved. However, except for a slight drop in auction prices after the news was released, prices gradually recovered afterwards.
PREMIUMS for most Certificates of Entitlement (COEs) rose in the final round of bidding for 2024, with the large car category – B – spiking S$5,990 or 5.8 per ...

Anyone would check out Gardens by the Bay’s annual Christmas Wonderland this year. Last time i visited there was 4 years ago. Share the photo taken that time!
Also, a little tip for those planning to join in the fun: don't forget to check the last MRT train timings. Some are extended, so you can party longer without worrying about getting home!

Singapore Government Securities (SGS) are debt securities issued by the Singapore Government. SGS are considered safe investments fully backed by the Singapore Government. They are issued and managed by the Monetary Authority of Singapore (MAS) on behalf of the Government.
Types of Singapore Government Securities
For retail investors, Singapore Savings Bonds (SSBs) & SGS Bonds & Treasury Bills (T-bills) are available.
Latest Update
1. January 2025 ...

TL;DR: All owner-occupied HDB flats and over 90% of owner- occupied private residential properties in Singapore will see lower property tax bills in 2025.
What happened?
The Government will provide a one-off Property Tax (PT) rebate of 20% for Owner-Occupied (OO) HDB flats, and 15%, capped at $1,000, for OO private residential properties in 2025. The rebate will automatically offset any PT payable.
In addition to the rebate, the Government previously...

Hi guys,
We all know that in Singapore, before you can drive a car, you need to own a Certificate of Entitlement (COE). The price of the COE fluctuates a lot, like the stock market—full of ups and downs, and quite thrilling. Have you all caught the latest COE results?
Recent Prices
Cat A COE prices have dropped by 10% to $89,889, with premiums down in most other categories too. 🚗💨
Historical Trends
I've been keeping a close eye on COE tren...

Hey everyone, has anyone noticed? FairPrice is giving out return vouchers again!
They're distributing S$4 return vouchers to shoppers who spend S$50 in a single transaction. You can receive up to 3 return vouchers—maxing out at S$12—per transaction.
These vouchers are available at FairPrice, FairPrice Finest, FairPrice Xtra, and Unity stores, except for the one at Changi Airport.
You can collect vouchers from 22 to 28 Nov, 2024. And they ...

I guess we are talking about a system of investing rather than how to pick stocks.
According to the DCA theory, over time, you will buy more shares when the market drops and fewer when it goes up. So, your average cost per share will be lower in the long run, you see.
For long-term investors, the lump sum theory suggests that when you sell your stock , maybe 20 years later, it will usually be at a higher price, leading to a profit.
But, what is your toleranc...