Moneyowl referral. Referral terms and conditions here for full disclosure. Moneyowl referral

 
 Referral terms and conditions here for full disclosureMoneyowl referral  Once you have requested a quote through our website, our friendly Client Advisers will get in touch via mobile and email and when you are ready, meet you to complete your application

If you would like to give MoneyOwl a try do remember to use my referral code: 1JIC-91CM. Here is a quick recap of what has happened in the past few weeks regarding MoneyOwl and why one might want to know how to replicate MoneyOwl WiseSaver with Endowus. The more fees you pay, the more it affects your long term goals. A few months ago, MoneyOwl announced that they have lowered their investment advisory fees as well as absorbing the platform fees due to the pandemic. If you would like to give MoneyOwl a try do remember to use my referral code: 1JIC-91CM. Last updated on 15 Jul, 2023 3 min read Deals , Mall Loyalty. I’m already a happy MoneyOwl client, you should check it out too! You can use my referral link (or key in 6SHU-93M C) to get free $20-$60 Grab Vouchers when you invest with them. 50% off on first milk delivery 3. 50% advisory fee (usual 0. MoneyOwl in Moses Lake, WA Expand search. 75% p. I have $1200 worth of CapitaLand voucher for sale. Victoria Child Care Resource & Referral is a quality. Robo advisors allow you to own fractional portions of ETFs, which is impossible to do on your own unless you have a large capital. Provider of a financial advisory and fund management services intended to help make wise money decisions easily and confidently. May I know why Moneyowl have such a good reputation? Just Curious 1 /r/singaporefi, 2022-06-12, 01:04:38 [Up to $60 Grabfood Credit] MoneyOwl referral code! 1 /r/referral. From the above table, we have summarised cash management accounts based on the commonly searched criteria. At no additional cost to you, my MoneyOwl referral link ( 2WTS-83YN ) would give your MoneyOwl portfolio a head-start when you decide to start an investment portfolio with them – and this MoneyOwl promotion includes. MoneyOwl to wind down financial advisory business by end-2023. 6% p. MoneyOwl is a financial advisory and fund management company licensed by the Monetary Authority of Singapore (MAS). This is a management fee more associated with more passive, quantitative index strategies but MoneyOwl and Fullerton are able to keep the. Our best coupon code will get you discount up to 35%. See full list on turtleinvestor. MoneyOwl has just launched a new product called WiseSaver which aims to provide investors with higher returns than retail deposits, e. MoneyOwl announced on August 31, 2023, that it is winding down its financial advisory business and that all commercial activities will cease by December 31, 2023. The referrer must be a current client of MoneyOwl. Notify me of new posts by email. com. From April. To avoid much of the fees you would potentially be paying, my personalized referral code – TURTLEINVESTOR – would give your Syfe portfolio a headstart when you decide to start an investment portfolio with them. Its mission is to enable everyday Singaporeans to make wise financial decisions to live. Coupons updated on November 09, 2023. Clients who are invested in WiseIncome may want to consider either the Endowus Higher Income or Stable Income Portfolios. The eligibility period of the referral programme is 90 days from the referee’s MoneyOwl account creation date. For more information, please visit our microsite. com vs moneyowl. All applicants who applied were fully allotted subject to the individual allotment. mexc referral code 15LQVMoneyOwl | 2,876 followers on LinkedIn. With unlimited edits, you can edit your will whenever you need. September 7, 2021. There are a variety of way to invest via the MoneyOwl platform. SiteGround Referral Link : turtle investor link. Learn more about Myinfo. Many readers have read past articles where I mention the safe withdrawal rate or specific articles that talk about the 4% Rule or safe withdrawal rate (SWR for short). The projected returns for individuals investing in Endowus Cash Smart Secure is 3. Read our joint account FAQs here. Nanyang Technological University, Singapore. Unfortunately we are unable to assist muslims in writing their will as the advice of a Syariah-trained lawyer is required. Jobs People LearningOctober 23, 2023 by Kevin Leave a Comment. 6% to 3. There is an annual set of fees incurred by these unit trusts and exchange traded funds you indirectly paid for. MoneyOwl was a unique entity with a noble mission – to enable Singaporeans to make wise financial decisions so they can live their best possible lives. MoneyOwl Referral Programme. We can invest both our cash and SRS funds into this cash management account. StashAway has two cash management accounts — Simple and Simple Plus — offering different returns ranging from 3. 6% fees as Endowus above 10K) Lower amount required ($50/month or $100 lump sum instead of $1000 for Endowus)MoneyOwl fees. thereafter. We are a social enterprise under NTUC Enterprise Co-operative Ltd. SGD 1. WiseSaver is MoneyOwl’s cash management account. However, do note that there is a total personal income tax relief cap of $80,000 per year. Best Discounts 80% OFF. If you would like to give MoneyOwl a try do remember to use my referral code: 1JIC-91CM. The referrer can refer to an unlimited number of referees. ; Receive Claims Support: A dedicated Client Adviser and a team of Client Service Managers will assist in times of need. Refer to MoneyOwl referral program to understand how the mechanics works. The fees are as follows: Portfolio. 50 per user. 83% to 0. MoneyOwl Referral (Up to $65 GrabFood credits) If you are interested in signing up for a MoneyOwl account, you can use my referral link to sign up. - 1. At no additional cost to you, my personalized referral link would give. 5x) being applied for out of the total S$600 million. stocks). 2. There is indeed a use case for the two robo advisors as stated and my referral code is here for endowus and here for moneyowl. (5-day moving average as of 3 November 2023). It isn’t my main Robo Portfolio but they kind of become slightly more trusted over the last few. Securities. . Average Discounts 37% OFF. MoneyOwl is one of only two robos allowed to offer #investment services for the CPF Board Investment Scheme. Actually I believe there is an agreement between Moneyowl and Fullerton where moneyowl is doing the marketing, client hand holding and also exclusive distribution of the Fullerton fund (not supposed to sell other income fund), and in return Fullerton will not distribute it to other channels. Here’s what you need to do: Sign up for a MoneyOwl account with my referral link. Investments, CIO Letter, Insurance. I invest $3,000 into Endowus for my CPF portfolio in June 2020. MoneyOwl | 2. Let your money grow and enjoy the fruits of high yields gained from wise investment choices. 31. For me, ideally, I hope that it will at least. Both of us with get S$20 worth of GrabFood Vouchers for every product or service that you sign up so that means that both of us will get up to S$60 worth of GrabFood Vouchers. Terms and Conditions apply. At MoneyOwl, we have curated a cash solution called WiseSaver which combines safety and liquidity, while offering a competitive return. While it had a database of close to 90,000 contacts, fewer than 10,000 clients had undertaken any. ‎Welcome to MoneyOwl, your bionic financial advisor and an NTUC social enterprise, dedicated to helping you live your best life through smart financial planning, investing, and insuring. From now till 30 June 2023, new MoneyOwl clients can redeem a $10 FairPrice voucher* when you complete your will on our platform by using the promotion code:. Marketed as the perfect place for you to park your spare cash and emergency funds, as well as the “dry powder” that is set aside. 9x) being applied for out of the total S$600 million. 9%. In short, I am looking for something similar to GXS bank which offers around 3. Formed in 2018 and licensed by the Monetary Authority of Singapore, MoneyOwl provides comprehensive, competent, and. net Enjoying MoneyOwl's services and want to spread the word? We want to reward you! Simply log in to your MoneyOwl account and share your unique referral code with friends and family. Investment MoneyOwl NTUC Will Writing. 38 Duxton HillSingapore 089616T +65 6309 2488E [email protected]% whereas the 10-year average return is now 3. MoneyOwl announced on August 31, 2023, that it is winding down its financial advisory business and that all commercial activities will cease by December 31, 2023. The promotion is valid from 6 February to 31 May 2023. Read More. For cash investment, the top up request will be processed when there are sufficient monies in your Cash. 6%pa fees but above 200k is 0. For asset under management S$100,000 and below, there will be a 0. a. 1,000 M Points = 1 medium pearl milk tea at Sharetea. It's being marketed as an ultra low risk, highly liquid and safe place to temporarily park extra cash with projected returns of around 4%. In response to the official press release, MoneyOwl is winding down its monetary advisory enterprise and all industrial actions will stop by December 31,MoneyOwl’ team also recognises Singaporeans are not planning their finances well because they are being sold on different financial products and often feeling fearful. ; Investment. My Agent Bank for CPFIS is DBS. MoneyOwl WiseSaver → Hidden gem (4% p. You get access to a well-diversified global portfolio of over 1500 stocks in the world’s leading. To earn the first free $20, simply sign up for WiseSaver which the underlying fund is Fullerton Cash Fund – invested in rolling SGD Fixed Deposit and backed by. Tuesday, October 24, 2023: All investment clients to complete transactions on MoneyOwl’s platform by 6:00 pm: Wednesday, October 25, 2023 Joint Investment Account. Insurance premiums would depend on the plan selected — MoneyOwl rebates 50% of the commissions after. Once you have requested a quote through our website, our friendly Client Advisers will get in touch via mobile and email and when you are ready, meet you to complete your application. Trust Bank Referral Code: NV68VTDE and Usage Tips (by Standard Chartered and FairPrice Group) M Malls Referral Code: KLL3WG (Refer a Friend Promo) Why Webull Singapore? MoneyOwl Referral Programme; How to request for a fee waiver for DCS credit cards(Free $60 Grab Credits) MoneyOwl Referral Code : 6RGR-83QP . MoneyOwl | 3,098 من المتابعين على LinkedIn. It aims to be accessible to beginning investors, so the minimum one-time lump sum investment amount is just $100. Contact Chuin Ting directly. Subscribe For Free Sample Updates! Enter your email address to follow this blog and receive notifications of new posts by email. Free home delivery on orders over Rs 500. 5 million. and redesign their lives with coaching referrals from The BlackWomen. a. We would like to formally announce that as of 1 June 2022, Providend has divested 100% of its shares in MoneyOwl Pte Ltd. Referral terms and conditions here for full disclosure. Compare sgreferralpromo. May 11, 2020 · We have added in the QR code scanning and transfer for PayNow on our investment platform! You can now make bank transfers from your bank account to our investment platform with ease. After you invest over S$100 in Cash Plus, you can get a S$30 fund cash coupon (applicable to any fund). Medium: Interview with the CTO in 2021 Business modelFounded in 2013, Luno is a global cryptocurrency company which invests in cryptocurrencies and blockchain startups including Grayscale and Coindesk. Learn more about MoneyOwl's pricing and fees for services including insurance, Dimensional, WiseIncome, WiseSaver, CFP and more. Here’s what you need to do: Sign up for a MoneyOwl account with my referral link; Apply for MoneyOwl’s services In simple terms, this transition from MoneyOwl to iFAST will mean 3 things to us. Give your child or loved ones the gift of financial security by opening a joint investment account with them. T&C apply. Here’s what you need to do: Sign up for a MoneyOwl account with my referral link; Apply for MoneyOwl’s services MoneyOwl invest in Fullerton SGD Cash fund which is cash deposits instead of bonds. Easy to use: GXS Bank’s mobile app makes it easy to manage your money on the go. If you sign up for comprehensive financial planning, insurance or investment portfolio individually, you will be able to get S$20 GrabFood credits each. 1-year returns come in at 3. Phone Number +65 63299188. g. If you would like to give MoneyOwl a try do remember to use my referral code: 1JIC-91CM. Fax 250-475. For a limited time until 31 December 2021, if your AUM is less than $10,000, the advisory fee is 0%. MoneyOwl WiseSaver is a cash management account that gives higher interest than normal bank saving account. MoneyOwl Performance review – Mar 2022. MoneyOwl holds MAS license to provide: Fund management. The projected returns for individuals investing in Endowus Cash Smart Secure is 3. 7% p. I asked all my questions over email and the zoom call was only to sign documents. They can also act as “dry powder” which can be invested in attractive opportunities that come along later. Formed in 2018 and licensed by the Monetary Authority of Singapore, MoneyOwl provides comprehensive, competent, and. Syfe Cash+ Flexi currently has projected returns of 3. <br><br>At MoneyOwl, we understand that financial planning can be complex and overwhelming. Here is my referral link: My MoneyOwl Referral Promo Code Link If you use. This will allow you to earn up to $65 GrabFood credits. This is a genuine voucher which I won it during company annual dinner. The referrer needs to have a MoneyOwl account. Voucher from CTC travel agent, a Chat to BuyHey! Kelvin here! I talk about money related stuff like investing, credit cards, how to save money to retire early!All-In Endowus Fee. The company offers comprehensive term life, endowment, and critical illness plans, financial planning, protection, investment, insurance, and wills management services. The maximum amount that you can contribute annually to your SRS is capped at $15,300 for Singapore Citizens and Permanent Residents and $35,700 for foreigners. 18 Referral Deals The difference between Endowus and MoneyOwl Both robo-advisors invest your money into mutual funds. For more information, please visit our microsite Free Shipping 0. Making Wise Decisions Easy | MoneyOwl is an NTUC social enterprise. 827 følgere på LinkedIn. MoneyOwl announced on August 31, 2023, that it is winding down its financial advisory business and that all commercial activities will cease by December 31, 2023. We have decided to activate our Business Continuity Plans and to have all our employees work from home as part of our social responsibility to a larger community. MoneyOwl is a for profit organization, instead of a non-profit. After a rather muted response from investors and being undersubscribed for the last few issues, Singapore Savings Bonds continued the trend of being unfancied by yield hunters in the latest SSB August 2023 with S$298. Humility - is an equally important trait. Here is my referral link: My MoneyOwl Referral Promo Code Link If you use my referral code to sign up for their services, you will be able to get $60 worth of GrabFood credits. If you understand it well, it can be effectively used to complement your other assets to give you a reliable stream of. This is tiered, meaning if one were to invest 110k, the whole amount is charged 0. 🐯 Tiger New Clients → SGD120 Cash Reward. The Simple Plus offers higher return than Simple, but that also means differences in risk, underlying funds, fees and holding period. Your One-Stop for Funds, Bonds, Stocks, ETFs, Managed Portfolios, Debit Card & Insurance!Endowus Cash Smart Secure. The fee change for less than $100,000 (0. New Referral Codes. Returns. You’ll notice that I’ve hardly pushed any referral signups for these three even though their referral rewards are absolutely amazing. 06%. MoneyOwl is a cheaper platform than StashAway but still charges more than Endowus. Buy 4% nett off Capitaland Voucher for sale in Singapore,Singapore. MoneyOwl is one of the financial advisory and fund management company in Singapore, licensed by the Monetary Authority of Singapore (MAS). For me, ideally, I hope that it will at least. Learn more about Myinfo. Key Takeaways. by. MoneyOwl Referral (Up to $65 GrabFood credits) If you are interested in signing up for a MoneyOwl account, you can use my referral link to sign up. MONEYOWL PRIVATE LIMITED. They are now offering a FREE Comprehensive Financial Planning report (usual price $99)! Yes, you heard that right, it’s free! The offer is valid till 31 Jan 2023 and open to the first 100 new MoneyOwl clients who complete the comprehensive financial planning journey using the promo code MSM422. 30pm – 9pm. Refer a friend to open a POEMS Account and receive up to S$680. CEO/CIO’s Final Investment Note: The Best of Times and The Worst of Times. 2%. MoneyOwl. May 17, 2019. MoneyOwl makes it possible to grow your savings at a higher daily interest as compared to bank savings account and fixed deposits while being able to withdraw them at any time. MoneyOwl | 3,198 followers on LinkedIn. The fund aims to generate regular income and long term capital. For Referrers: 1. Here’s what. As seen from the table above, new sign-ups for investment accounts through MoneyOwl’s platform must be completed by October 2, 2023 6:00 pm and conditions for referral rewards fulfilled by 6:00 pm. Promotion time: Till 01 Jan 24 When you sign up with moomoo by FUTU with my referral link, enjoy welcome benefits (see below): Terms and. moneyowl. Source: MoneyOwl. At Endowus, we. 12% p. No monthly fees: There is no minimum account balance, and GXS Bank does not charge any monthly fees for its accounts. Formed in 2018 and licensed by the. Since MoneyOwl currently has a promotion (0% fees for first 10K) until 31 December 2021, I was thinking of opening both a MoneyOwl and Endowus account. 6% fees as Endowus above 10K) Lower amount required ($50/month or $100 lump sum instead of $1000 for Endowus) MoneyOwl fees. Here’s what you need to do: Sign up for a MoneyOwl account with my referral link; Apply for MoneyOwl’s services New Referral Codes. a. 06%. com. StashAway is an intelligent wealth management platform that's designed to. Making Wise Decisions Easy | MoneyOwl is an NTUC social enterprise. Be the first to know about new promotions. MoneyOwl WiseSaver: 4. Sign up using referral C7V829ZH; First card spend or Deposit $500; Why Trust is the perfect bank account;When you sign up for MoneyOwl using my referral code 6RGR-83QP, you’ll get a total of $60 Grab credits. MoneyOwl is also a social. Milestones of Haru Invest. a. MoneyOwl chose them as the fund provider as these funds are: Broadly diversified. MoneyOwl is a financial advisory and fund management company licensed by the Monetary Authority of Singapore (MAS). You can receive $20 credit for. WiseSaver (Cash Management portfolio) – 3. a. 50%) is permanent. Free 1 liter of milk 2. AdSome of you have asked over the months whether I have a referral code to sign up for MoneyOwl’s portfolio or advisory services. MoneyOwl’s barriers to entry are low for those who don’t have much cash to invest. For Corporate Financial Literacy and Wellness enquiries: Get in touch with us here . So, watch this space closely to see what else MoneyOwl has in store. You can also arrange for a consultation with their dedicated Client Adviser for $49. This monthly comparison table is brought. employs a traditional 60/40 asset allocation, with 60% allocated to equities and 40% to fixed income. 64. a. 40 per cent p. 1,000 M Points = $1 carpark credits. Absolute interest earned if you make six referrals (180 days or six months): S$10,000 x [(5%/365)x180] = S$246. 23 Keong Saik Rd, Singapore, Central Singapore, 089130, Singapore. MoneyOwl Referral (Up to $65 GrabFood credits) If you are interested in signing up for a MoneyOwl account, you can use my referral link to sign up. 1 Maximum account cap of $30,000 and non-guaranteed crediting rates. In the announcement, it was shared that the. Singapore. sg is ranked #86 in the Finance > Investing category and #713280 Globally according to March 2023 data. 566 likes · 1 talking about this · 22 were here. We offer a free and simple will writing service to help you distribute your estate. Exchange-Traded Derivatives Contracts. Stashaway Simple Plus invest in short-term bond funds. The SSB October 2023 issue of Singapore Savings Bonds by the Monetary Authority of Singapore continued its tiny uptrend as returns have once again inched upwards compared to the previous tranche. For more information, please visit our microsite. 88%) MoneyOwl WiseSaver is a fund which invests in Singapore Dollar bank deposits, allowing you to earn higher returns with the ability to withdraw your funds whenever you need them. 15% which has already been factored into the fund price. Read More. If you sign up for comprehensive financial planning, insurance or investment portfolio individually, you will be able to get S$20 GrabFood credits each. Background: Moneyowl recently launched a Bionic (Robo + Human Advisory) platform providing funds by DFA. 27% in August without the guarantee. DIY RSP monthly using moomoo since i have 1y of commission free trades + another 0. Once you review and acknowledge the Endowus transfer-in form, we will initiate the transfer with UOB Kay Hian on your behalf. This is after taking into consideration that Endowus rebates trailer fees to investors, as well as the fund-level fee and Endowus’ fees. 5% return for your first $10k, and a subsequent 1% for the next $90k, it has much better returns. ) in a high-interest rate environment; Don’t Miss These Promo Deals. MoneyOwl is a financial adviser and fund management company licensed by the Monetary Authority of Singapore (MAS). Say goodbye to keying in the UEN number manually. Quickest Withdrawal Time: Philip Smart Park (SGD), Philip Smart Park (USD), MoneyOwl Wisesaver. Here’s what you need to do: Sign up for a MoneyOwl account with my referral link; Apply for MoneyOwl’s services For Referrers: 1. a. Special promotion: Start investing by 31st May 2019 with MoneyOwl and enjoy 0. MoneyOwl WiseSaver is 100% invested in the Fullerton Cash Fund, so you can imagine the moomoo Cash Plus returns to 2. 3. Click ‘Top Up’. If you would like to give MoneyOwl a try do remember to use my referral code: 1JIC-91CM. Investment MoneyOwl NTUC Will Writing. So for 0. a. MoneyOwl to Wind Down Financial Advisory Business by End-2023. Call Back. Get Directions Opens a new window. For a limited time only, from now till 31 May 2023, DollarsAndSense has an exclusive offer for you: Receive a free Comprehensive Financial Planning online report if you sign up with our promo code: DNS123. (based on 5 days moving. MoneyOwl’s WiseSaver. MoneyOwl services are now accessible at your convenience via the newly launched mobile app! :-). Earn up to $60 GrabFood…Read on to learn more! MariBank previously had a limited time promo from 9-11 Sep 2023 when the voucher pack is $300 but that deal is over and no longer valid. High-interest rates: GXS Bank offers high interest rates on its savings accounts via Saving Pockets at 2. 95% p. On this MoneyOwl WiseIncome evaluation, I take a more in-depth have a look at this distinctive versatile earnings resolution co-created by MoneyOwl andReceive up to $65 GrabFood Credits when you sign up for MoneyOwl products and services with my referral code. Mar 2023 SSB – SBMAR23 GX23030A. MoneyOwl is one of the financial advisory and fund management company in Singapore, licensed by the Monetary Authority of Singapore (MAS). a. Search This Site. Its search function is categorised into different types — life protection, critical illness, occupational disability, hospital plan, long-term care, education fund, retirement income plans and SRS plans. Amount Offered: 600 millions. Read Also: Investing With MoneyOwl: Here’s What You Need To Know Before You Invest With Them #5 Comprehensive Financial Planning Service Can Be Used Alongside MoneyOwl’s Existing ToolsSep 27, 2023, 11:00 PM SGT. MoneyOwl is an NTUC social enterprise. NRGH Pain Clinic Referral Form 2016 zip file. NRGH Pain Clinic Referral Form 2016. Instead, I’m taking the route of investing in Fullerton SGD Cash Fund via our homegrown MoneyOwl instead. As an Associate Lead of the Advisory Team at MoneyOwl, I am proud to be part of a dynamic and innovative organization that is committed to helping individuals make wise money decisions with confidence. For more information, please visit our microsite here. 35% pa. The Fullerton MoneyOwl WiseIncome fund has a management fee of 0. As demonstrated, the savings is really significant and encourages clients to continue to stay invested regardless of the market volatility and economic conditions as long as their financial circumstances still permit. Updated : October 22, 2023 Category : Robo Advisor Tag : Endowus. This will allow you to earn up to $65 GrabFood credits. Explore the answers to commonly-asked questions. This will allow you to earn up to $65 GrabFood credits. MoneyOwl’s WiseSaver is its cash management account which is offering a 5 day moving average returns of 3. This portfolio invests in Fullerton SGD Cash Fund, managed by Fullerton Fund Management. a. Aug 2023. MoneyOwl will transfer its fund management business and insurance advisory business to iFAST Financial Pte Ltd (“iFAST”). Early CI = $100,000. a. MoneyOwl, the financial advisory firm established by NTUC Enterprise Co-operative Limited in 2018, has declared its intention to wind down its financial advisory business by the end of this year. Buy Grabfood $10 Voucher selling for $9 in Singapore,Singapore. YYLee Legacy: $350 nett, provides valid witnesses and can collect will on the same day. About MoneyOwl. 88* Flat. Supposedly, it has never had a negative return since inception in 2009. From now till 31 May 2023, you can sign-up for a free Comprehensive Financial Planning Online Report by MoneyOwl. 24 Oct 2023. MoneyOwl Pte Ltd (UEN. 6% p. Amount offered : S$600 million. 23 Keong Saik Rd, Singapore, Central Singapore, 089130, Singapore. This will allow you to earn up to $65 GrabFood credits. Syfe Cash+ Flexi currently has projected returns of 3. The referrer can refer to an unlimited number of. 06%. Perhaps the search for. Formed in 2018 and licensed by the Monetary Authority of Singapore, MoneyOwl provides comprehensive, competent, and. One thousand bucks! Updated in 2023 – Read more about my ultimate Syfe REIT+ review for a high-value deep-dive. MoneyOwl recently invited me to review and share feedback to help improve the tool further. POEMS 3 App. Structured Deposits. We believe in empowering Singaporeans to make wise financial decisions. 31 March 2024. 40% Adidas voucher can used only at City Square Mall Adidas store enjoy the 25% if you spend $118 in single receipt plus 40% voucher discount what a good deal! Chat to BuyFully automated investing at 1/4 fees so that you can have more wealth & time for things that matter. Dear MoneyOwl clients, We are saddened by MoneyOwl’s recent announcement – while some may have considered MoneyOwl and Endowus as competitors, we believed that we were aligned to the same mission of helping Singaporeans invest better, and proliferating the conflict-free, fee-only advisory model. 7% p.