Chris @HoneyMoneySG

CSPX (S&P 500 UCITS ETF) is finally on StashAway ETF Explorer!
- Stashaway 👉 hmsg.link/stashaway

Previously, only IVV (the US-domiciled version) was available for S&P 500 exposure. This is a significant update for two reasons:
* Tax Efficiency: CSPX is Ireland-domiciled. You face a 15% dividend withholding tax instead of the 30% charged on US-domiciled ETFs like IVV.
* Low Costs: ETF Explorer has $0 monthly management fees. You only pay a flat $1 USD per trade.

I personally use ETF Explorer for my SRS trades for my Global Equities UCITS ETF portfolio. It is a very clean, cost-effective way to access UCITS funds without AUM-based fees eating into your capital.

Bonus for Regular Investors You can even get $0 fee buy orders if you invest consistently. If you invest in a portfolio this month, you get free buy orders for that same portfolio the following month.

If you have been waiting for a tax-optimized S&P 500 option to maximize your long-term returns, it is officially live.
Check it out here: hmsg.link/stashaway
✅ Featured in SRS video: https://youtu.be/Q-Zq-bx0ICc (I found the Best SRS Investments in Singapore)

7 hours ago | [YT] | 8

Chris @HoneyMoneySG

HeyMax First Launch: Join live AMA HeyMax CEO 16 Apr 8pm 🐝
- HeyMax HMSG hmsg.link/heymax

HeyMax just launched HeyMax First, a membership that gives you an instant Miles Pool so you can book Business or First Class NOW, then earn the miles back through everyday spending.

No more grinding for years hoping a seat opens up.
Here's how it works:
* Join a tier (Silver / Gold / Platinum / Reserve)
* Get a Miles Pool loaded instantly (up to 1,000,000 miles)
* Draw miles to book via 20+ airline loyalty programmes
* Earn miles back through HeyMax's 500+ partner merchants
* The access fee? Fully refundable as you earn back

The Year 1 membership fee is waived for the first 10,000 sign-ups.
Waitlist opens today, 15 April, 10am SGT 👉 Join the waitlist here: heymax.ai/membership?utm_source=referral&referrer_…

Want to ask the CEO your questions directly?
HeyMax is hosting a live AMA this Thursday (16 Apr), 8-10pm with Joe Lu, CEO of HeyMax.
Join the AMA here 👇 t.me/c/1907244377/19810

13 hours ago | [YT] | 3

Chris @HoneyMoneySG

S&P500 DCA vs Lump Sum vs Crash Buying Calculator
🔗 Free download: ko-fi.com/s/fcc9fe9573

✅ Featured in my recent video: https://youtu.be/lAW52N85r_s
The Best Investment Strategy: DCA vs Lump Sum vs Crash Buy

Get my DCA vs Lump Sum vs Crash Buying Calculator to compare three popular entry strategies and see which one maximizes your portfolio growth.

I vibe coded this tool to help you visualize how disciplined monthly contributions, immediate all in investing, or waiting for market dips can impact your total returns and average cost over time.

This download is available for free, and while tips are never expected, they are always appreciated to help support future financial tools.

Alternatively, you can support my work at no cost by clicking hmsg.link/ibkr

1 day ago | [YT] | 20

Chris @HoneyMoneySG

Your view on Lifestyle inflation is ...

2 days ago | [YT] | 4

Chris @HoneyMoneySG

🏦 OCBC x SingSaver: Apple iPad Air (M4) 11" Wi-Fi 128GB Flash Deal ⚡
* OCBC Infinity → hmsg.link/ocbcinfinity
* OCBC 365 → hmsg.link/ocbc365
* OCBC Rewards → hmsg.link/ocbcrewards
* OCBC 90°N Mastercard → hmsg.link/ocbc90nmc
* OCBC 90°N Visa → hmsg.link/ocbc90nv
🔗 Apply via my links & fill up the SingSaver form sent to your email

 Flash Deal Mechanics: First 3 eligible applicants at 2PM & 8PM daily
- Reward upgrade to Apple iPad Air (M4) 11" Wi-Fi 128GB (worth S$899)
- in place of SingSaver exclusive offer.

Promo period: 13 -16 April 2026 Minimum spend: S$400 within 30 days of card approval

• Applicants who do not receive the Flash Deal reward will continue to enjoy ONE of the standard rewards:
* S$400 Cash via PayNow (upsized)
* 22,000 Max Miles by HeyMax
* Dyson Airstrait™ straightener (worth S$799)
* Samsung Galaxy Buds4 Pro + S$180 eCapitaVoucher (worth S$529)

📺 Not sure which card to get? Watch my full review: https://youtu.be/jJSYE4lPIGM

👉 Discuss more t.me/honeymoneysg 
👉 More referral honeymoneysg.com/#deals
T&Cs apply: singsaver.link/cc-rewards-campaign

2 days ago | [YT] | 5

Chris @HoneyMoneySG

📣 CMC Invest x SingSaver Promo: Rewards Up to S$800+
Sign up 👉 hmsg.link/cmcinvest

💵 SingSaver Exclusive
• S$20 Cash or 1300 Max Miles (till 3 May 2026)
• New CMC users only, must apply via SingSaver
• Stackable with CMC welcome offers

🎁 CMC Stackable Welcome Offer

Free stock (choose 1 based on funding and trades, within 90 days):
• 1x SE (SEA Ltd) worth S$140 → Deposit S$3K + 3 BUY trades
• 1x AMZN (Amazon) worth S$259 → Deposit S$10K + 5 BUY trades
• 1x META (Meta) worth S$806 → Deposit S$100K + 8 BUY trades of 3K
(Values illustrative, only 1 stock rewarded)

✅ New users only | Complete deposits + trades | Avoid withdrawals

💹 Sign up with CMC Invest: hmsg.link/cmcinvest
🔗 See other brokerage promotions: hmsg.link/investing

👉 Discuss more: t.me/honeymoneysg
👉 More referral honeymoneysg.com/#deals
T&Cs: singsaver.link/stk-rewards-campaign

4 days ago | [YT] | 5

Chris @HoneyMoneySG

What is your current investment strategy (that you believe in most)?

5 days ago | [YT] | 2

Chris @HoneyMoneySG

Best Credit Card for Big Ticket Purchases 2026
👉 honeymoneysg.com/big-ticket-cards-2026

💳 Most couples PayNow their wedding deposit and earn absolutely nothing.

Here's what to do instead:

✅ Hit the hotel POS with UOB Preferred Visa first ($600 at 4 mpd)
✅ Then switch to UOB Visa Signature for the next $1,200 (also 4 mpd
✅ Pay monthly hotel instalments online with DBS Women's World MC (4 mpd, up to $1k/month)

Same total outlay. Thousands of miles earned that most people leave on the table.

And when your renovation contractor says "bank transfer only"? There's a MAS-licensed fix for that too.

Full playbook: weddings, renovation, furniture, gift card hacks, CardUp vs iPayMy fee math, all in one place:

Read 👉 honeymoneysg.com/big-ticket-cards-2026

6 days ago | [YT] | 6

Chris @HoneyMoneySG

StashAway Regular Investing Advantage: DCA for free + 0.15%?
- Stashaway hmsg.link/stashaway

This is essentially a loyalty program for those who automate their monthly DCA. Here are the facts:
* Unlimited Free Buy Orders: Use ETF Explorer this month and get unlimited free buys for that portfolio next month. Good for removing fee friction on smaller monthly amounts.
* 0.15% Cash Boost: For every $1 you invest in a portfolio, $1 in Simple/Simple Plus earns an extra 0.15% p.a.
* Launch Promo: Invest by 10 April 2026 (tomorrow) to get the 0.15% boost on an additional $5,000 of your cash balance automatically.

My Take:
The 0.15% boost brings Simple Plus (currently 3.7% YTM for new users) up to 3.85% p.a. If you are already using StashAway for SRS or core portfolios, this is a strong optimization. Just automate your deposits via eGIRO to grab the extra yield and free trades. It is not life changing, but for cash management, every basis point counts.

This pairs perfectly with the SRS ETF Explorer strategy I covered here: https://youtu.be/Q-Zq-bx0ICc
Full details: www.stashaway.sg/regular-investing-advantage
Sign up: - Stashaway hmsg.link/stashaway

👉 Discuss more t.me/honeymoneysg
👉 More referral honeymoneysg.com/#deals

6 days ago | [YT] | 5

Chris @HoneyMoneySG

💳 Citi x SingSaver April 2026 Offer (Upsized)
* Citi Cashback: hmsg.link/citicashback
* Citi Cashback Plus: hmsg.link/citicashbackplus
* Citi PremierMiles: hmsg.link/premiermiles
* Citi Rewards: hmsg.link/citirewards
* Citi M1: hmsg.link/citim1
* Citi SMRT (SingSaver): hmsg.link/citismrtss

📝 Eligibility:
* New to Citi: fill up SingSaver form and min. spend S$500 within 30 days of approval.
* 📅 Promotion Period: 8 to 12 April 2026

🎁 Choose ONE Reward:
* 💵 S$420 Cash via PayNow (Upsized)
* 🚗 S$450 Grab Voucher (NEW)
* ✈️ 22,000 Max Miles (worth S$396)
* 💨 Dyson Airstrait (worth S$799)
* 🎧 Galaxy Buds 4 Pro + S150 eCapitaVoucher (worth S$499)

⭐ Recommended for Beginners: Citi PremierMiles hmsg.link/premiermiles
* Lounge: 2 free Priority Pass visits for airport lounges per year
* Earn: 1.2 mpd unlimited on most spend
* Strategy: Upgrade to Citi Rewards 4 mpd once you have figured out the miles game

💡 I personally value Max Miles much higher by using it to redeem for Accor Hotel stays through points transfer.
* Sign up: HeyMax HMSG hmsg.link/heymax
* Refer to earlier post: t.me/HoneyMoneySG/323082

💬 Discuss deals: t.me/honeymoneysg
📢 More promos: t.me/sgpromocode

1 week ago | [YT] | 3