What Is the 4M65 Movement? The 4M65 movement encourages Singaporeans to build a household net worth of S$4 million by age 65. It expands on the popular 1M65 idea, which focuses mainly on CPF savings. Instead of relying on a single income stream, 4M65 combines CPF, investments, property, and side income. Therefore, it’s a complete,
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Dear readers, yesterday, DBS Group Holdings Ltd (SGX: D05) published a report forecasting the Straits Times Index (STI) to reach 10,000 by year 2040, which represents roughly a 128% increase from current levels. As we all know, the STI is composed of ~30 constituent stocks. If the STI truly rallies to 10,000 by 2040, then
In Singapore’s personal finance scene, few ideas have captured the public imagination quite like the 1M65 movement. Founded on the belief that ordinary working Singaporeans can accumulate S$1 million in their CPF (Central Provident Fund) by age 65, this movement has sparked countless discussions about saving, compounding, and retirement readiness. This article takes an in-depth
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Dear readers, the Straits Times Index (STI) wrapped up today in positive territory at 4,393.92, continuing its strong momentum this year. Optimism is buzzing in the financial community after DBS Bank released its bold Singapore 2040 report, projecting that the STI could reach 10,000 points by 2040 — a 128% increase from current levels. This
Dear readers, the global economy may feel stable, but the Black Swan Stock Market risk is real. Markets haven’t faced a large-scale correction since the 2008 financial crisis, and even the COVID-19 dip was short-lived. But history tells us that just because things are calm today doesn’t mean they can’t collapse tomorrow. Many investors assume
The STI Story This Week: FCT Up, Seatrium Down Hey readers! If you’ve been keeping an eye on the Straits Times Index (STI) lately, you’ll know it’s been a bit of a rollercoaster. The market mood has been mixed — some sectors are looking strong, while others have hit a few bumps. This past week,
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Dear readers, today marks the joyous occasion of Deepavali, also known as the Festival of Lights. On this special day, I extend my warmest wishes to everyone celebrating – Happy Deepavali Singapore 2025! May this festival bring light, prosperity, and harmony into your lives. Deepavali is a time for celebration, reflection, and the spreading of
Happy Deepavali Singapore 2025: Embracing the Festival of Lights Read More »
Dear readers, this week has brought some intriguing news from the Singapore financial scene, spotlighting two familiar faces from the entertainment industry: Dasmond Koh and Hong Junyang. Both artistes, widely recognized for their contributions to Singapore’s music and television landscape, have recently made headlines for their involvement in business ventures and financial developments. While the
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Dear readers, recently, Singapore’s entertainment world was buzzing with news that singer and producer Hong Junyang has been declared bankrupt. The announcement surprised many fans who remember him from Project Superstar and his later ventures in the food and beverage industry. His situation also raised questions about what it really means to be bankrupt in
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In October 2025, the U.S. stock market entered rare territory. According to data from economist Robert Shiller, the cyclically adjusted price-to-earnings ratio (CAPE) — commonly known as the Shiller P/E — has surpassed 40.That may sound like just another statistic, but this level has been reached only three times since 1871: before the crashes of
Why Today’s Record-High Shiller P/E Could Signal the Next Major Stock Market Correction Read More »