Tax season is here in Singapore! And this means one thing ??? Today’s focus is going to be on something a little bit different. Have you been engaging in online activities for a profit e.g. provision of online content? Income earned may include advertising, blogging, subscription and commission etc. If yes, then IRAS will thank […] The post Income Tax Season Is Here. What Does It Mean For Content Creators? appeared first on Turtle Investor ..read more

Not exactly sure when it rolled out to the masses, but I chanced upon it one day on my Grab app calling out at me. Clicked (or rather, tapped) on it without checking if there’s any referral programs and minutes later, I’m earning passive income on my idle cash haha. That was back in 17th […] The post I’m Late To GXS Bank (Risk-Free 3.5%) appeared first on Turtle Investor ..read more

In the latest release of the April 2023 tranche of Singapore Savings Bonds, the returns has risen once again! While I have waited on the sidelines in previous tranches, this is the one that I might consider making a move on. Singapore Savings Bonds returns have reached new highs in previous months as the momentum […] The post Singapore Savings Bonds Apr-2023 Rates : Year 1 (3.01%), 10-Year Avg (3.15%) appeared first on Turtle Investor ..read more

Fun fact : In total, about 120,000 individuals hold more than S$5.7 billion worth of SSB as at the start of 2022. FYI: Read These 37 Things To Become An Expert On The Singapore Savings Bonds. Savings Bonds is garnering less and less attention these days. The Singapore Savings Bonds SSB interest rate history has […] The post How To Check Your March 2023 Singapore Savings Bonds (SSBs) Allotment Results (Under-subscribed!) appeared first on Turtle Investor ..read more

By now, Singaporeans are no strangers to rising electricity prices in recent years due to the perfect storm of global factors such as the pandemic and the Ukraine war. Without a doubt, the use of air-conditioning is the main reason why my utilities bill has stubbornly refused to budge despite my best efforts to reduce […] The post High Electricity Costs With An Old Air-con System : What Did I Do? appeared first on Turtle Investor ..read more

In today’s release of the March 2023 tranche of Singapore Savings Bonds, the returns has dipped slightly compared to previous month Singapore Savings Bonds returns have reached new highs in previous months as the momentum of Fed rate hikes continued to gather pace. If you’re happy with these returns for what is virtually a risk-free […] The post Singapore Savings Bonds Mar-2023 Rates : Year 1 (2.76%), 10-Year Avg (2.9%) appeared first on Turtle Investor ..read more

I can’t really remember when I first started the practice of budgeting. Well .. even if I tried, I won’t be able to recall what happened because it was more than a decade ago! (laugh) At the start, what I wanted was a simple method which I could use to manage my personal finances. I […] The post For Me, It All Started With A Simple Zero-Based Budget appeared first on Turtle Investor ..read more

Taking a quick look at some options for idle funds now that short-term yield is rather attractive at the moment. In the table below, that’s the abbreviations that I have used. 1a) MoneyOwl : WiseSaver (3.88%) MoneyOwl WiseSaver is a fund which invests in Singapore Dollar bank deposits, allowing you to earn higher returns with […] The post Cash Management – Where To Get Short Term Yield For Idle Funds (No Lock-in) appeared first on Turtle Investor ..read more

With a fund size of over SGD $1 billion, the ABF SG Bond ETF is the go-to instrument to gain access to one of the world’s highest-yielding AAA-rated government bonds.  As the first-ever exchange traded fund (ETF) bond fund in Singapore, it invests in the constituents of the iBoxx ABF Singapore Bond Index. This means […] The post ABF SG Bond ETF (SGX:A35) Dividend and Yield (2023) appeared first on Turtle Investor ..read more

Are you struggling to manage multiple brokerage accounts spread over different platforms such as CPF, Syfe Trade and Webull? Are you finding it difficult to act as the portfolio manager for your family members even though they are simply low-risk instruments such as the Singapore Savings Bonds? Are you overwhelmed by messy spreadsheets tracking your […] The post StocksCafe x 5 Giveaway : Goodbye to Messy Portfolios, Hello to Enhanced Portfolio Management appeared first on Turtle Investor ..read more