Savings Accounts and Credit Cards Feb 2021 (XIRR)

 

If you haven't read my previous post on this topic can click here.

My savings account strategy remained similar to last year:

BOC Smartsaver: 1.45%pa for $80k(hurdle account). Topping up Grab using BOC Q10 gives you $40 Q10cash in addition to getting the 0.5% pa for your 80k.

Singlife: 1.5%pa for $10k. Nerfed to 1.5% but still a good account because no hurdle.

Dash EasyEarn: 2%pa for $20k

Great270: 2.72% for 20k. Just wanted to add this in, its an endowment plan I bought 2 years ago for GE 110 anniversary. 5 years maturity, starting 8th May 2018 matures on 8th May 2023. Looking at it now, it feels like 2.72%pa is a very good deal in current climate. This works out to be a monthly interest of $45.33.

My car COE is expiring on 28th May 2023, will be planning to extend my COE for another 10 years so likely need to put aside 45k for this. Extending for 10 years is the most efficient, as its prorated and you can extend it perpetually. If you extend for only 5 years, you will not be able to extend again once the 5 years is up. Prorated means if you scrap your car mid way, LTA will reimburse you the unused years. The GE270 maturity date coincides nicely with my COE expiry lol.

Credit card wise, it seems that CIMB World Master Card works on Dash and Grab topup. Its gives a 1.5% cash rebate. This means I can use this card to top up dash, use dash ecard to top up Grab to get dash reward points and spend with Grabpay Mastercard. That way, I can get 1.5% + Dash reward points + Grab reward points. Killing three birds with one stone. That is for any spending other than Maybank FnF approved ones. Maybank FnF gives 8% cash rebate so this will still be the priority.

For Grab point booster challenges that require online spending, I usually just use Grabpay Mastercard to buy ecapitavouchers. That way I can get tons of Grab reward points and still retain the cash in voucher form. I frequent a lot of Capitamalls because my son's enrichment classes are there.

Snap shot of my portfolio performance as of today: Total profit for 2021: S$62,185.95 mainly due to 18% rise in Frontage today. Those who haven't read my Frontage post can click here.




9 comments :

  1. HOW I GOT A GENUINE LOAN!

    i was in need of loan some month ago. i needed a loan to open my restaurant and bar, when one of my business partner introduce me to this good and trustful loan lender STEVE WILSON that help me out with a loan of $420,000, and is interest rate is very low, thank God today. I am now successful, If you are look for any kind of loan. You can Email him at: stevewilsonloanfirm@gmail.com or whatsapp:+14027300344,
    company website: https://stevewilsonfinancialloanfirm.weebly.com

    Thanks Steve.

    ReplyDelete
  2. I was searching for loan to sort out my bills& debts, then i saw comments about Blank ATM Credit Card that can be hacked to withdraw money from any ATM machines around you . I doubted thus but decided to give it a try by contacting (smithhackingcompanyltd@gmail.com} they responded with their guidelines on how the card works. I was assured that the card can withdraw $5,000 instant per day & was credited with$50,000,000.00 so i requested for one & paid the delivery fee to obtain the card, after 24 hours later, i was shock to see the UPS agent in my resident with a parcel{card} i signed and went back inside and confirmed the card work's after the agent left. This is no doubts because i have the card & has made used of the card. This hackers are USA based hackers set out to help people with financial freedom!! Contact these email if you wants to get rich with this Via: smithhackingcompanyltd@gmail.com or WhatsApp +1(360)6370612

    ReplyDelete
  3. HAVE YOU BEEN IN SEARCH FOR GENUINE HACKER'S ONLINE?. HAVE YOU LOST YOUR MONEY TO BINARY OPTION SCAM OR ANY ONLINE SCAM WHATSOEVER?. WELL, YOU HAVE FOUND REDEMPTION .

    BLANK ATM CARD :We have specially programmed BLANK ATM CARDS that can be used to hack any ATM machine, these ATM cards can be used to withdraw at the ATM or swipe, stores and outlets. We sell this BLANK CARDS to all our customers and interested buyers worldwide, the BLANK CARDS has a daily withdrawal limit of $5000 in ATM and up to $50,000 spending limit in stores. and also if you are in need of any other cyber hacking services, we are here for you at any time any day. Email :
    Email:Creditcards.atm@gmail.com
    WhatsApp: +1(539) 888-2243

    -hack into any kind of phone
    _Increase Credit Scores
    _western union, bitcoin and money gram hacking
    _criminal records deletion
    _BLANK ATM/CREDIT CARDS
    _Hacking of phones(that of your spouse, boss, friends, and see whatever is being discussed behind your back)
    _Security system hacking...and so much more. Contact THEM now and get whatever you want at
    Email:Creditcards.atm@gmail.com
    WhatsApp: +1(539) 888-2243
    You can also contact us on Telegram.
    ����������✔����������������������������

    ReplyDelete
  4. I've been reluctant in purchasing this blank atm card I heard about online

    because everything seems too good to be true, but I was convinced & shocked

    when my friend at my place of work got the card from Dark Web & we both

    confirmed it really works, without delay I gave it a go. Ever since then

    I've been withdrawing $5000 daily from the card & the money has been in my

    own account. So glad I gave it a try at last and this card has really

    changed my life financially without getting caught, its real & truly works

    though its illegal but made me rich!! If you need this card from Dark Web

    then Email:onlineblankatm24@gmail.com or WhatsApp: +1-217-310-6945

    ReplyDelete
  5. Are you in a financial crisis, looking for money to start your own business or to pay your bills?
    GET YOUR BLANK ATM CREDIT CARD AT AFFORDABLE PRICE*
    We sell this cards to all our customers and interested buyers
    worldwide,Tho card has a daily withdrawal limit of $5000 and up to $50,000
    spending limit in stores and unlimited on POS.
    YOU CAN ALSO MAKE BINARY INVESTMENTS WITH LITTLE AS $500 AND GET $10,000 JUST IN SEVEN DAYS
    email blankatmmasterusa@gmail.com
    you can also call or whatsapp us Contact us today for more enlightenment *
    +1(539) 888-2243*
    WE ARE REAL AND LEGIT...........2019 FUNDS/FORGET ABOUT GETTING A LOAN..*

    WHATSAPP CONTACT======>>>> +1(539) 888-2243

    IT HAS BEEN TESTED AND TRUSTED

    ReplyDelete
  6. Do you need a quick long or short term Loan with a relatively low interest rate as low as 3%? We offer business Loan, personal Loan, home Loan, auto Loan, student Loan, debt consolidation Loan etc.. no matter your credit score.
    Personal Loans (Secure and Unsecured)
    Business Loans (Secure and Unsecured)
    Consolidation Loan and many more.

    Contact US for more information about Loan offer and we will solve your
    financial problem. contact us via email: muthooth.finance@gmail.com
    Phone number: +917428831341 (Call/What's app)

    ReplyDelete
  7. THAVE YOU LOST YOUR MONEY TO BINARY OPTION SCAM OR ANY ONLINE SCAM WHATSOEVER?.DO YOUR DESIRE CREDIT REPAIR[EQUIFAX, EXPERIAN, TRANSUNION? WELL, YOU HAVE FOUND REDEMPTION.


    ⚠️ BEWARE OF FRAUDSTARS looking to hoax.
    if you have been a VICTIM, contact
    :Email:creditcards.creditscoreupgrade@gmail.com
    :whatsapp:+1785 279 3047 for directives.
    Here, it's always a win for you.

    ��OUR SERVICES��
    ➡️Binary Option funds recovery
    ➡️Social media hack
    ➡️Recovery of loan scam
    ➡️Credit repair (Equifax,Experian,Transunion)
    ➡️E mail hack
    ➡️College score upgrade
    ➡️Android & iPhone Hack
    ➡️Website design
    ➡️Website hack
    And lots more.

    CONTACT INFO:
    Email:creditcards.creditscoreupgrade@gmail.com
    whatsapp:+1785 279 3047
    Copyright ©️ 2022.

    ReplyDelete
  8. hi EveryonE!----------

    Here the Valid store available for all kind of t-ools,t-utorials & F-ullz with quality
    Learn h-acking and s-pamming and do it on your own way & enjoy...

    _______________

    1)FRESHLY USA F-ULLZ/PROS
    2)H-ACKING & S-PAMMING TOOLS
    3)T-UTORIALS
    _______________

    *Contact*
    *I-C-Q :-748-957-107
    *Tele-gram :- @James307
    _______________
    USA S-SN F-ULLZ WITH ALL PERSONAL DATA+DL NUMBER
    -F-ULLZ FOR P-U-A & S-B-A
    -F-ULLZ FOR TAX RE-FUND
    *F-ullz/lead with DL num
    *F-ullz with Good credit score(Any state)
    *S-SN+DOB
    *Premium info
    *EIN PIN L-EADS
    (TAX RETURN)
    *ELECTRONIC FILING L-EADS

    -Invalid or Wrong f-ullz can be replaced
    -Free samples can be provided only for big Deals
    -Can get specific state,zip code,age etc...

    *ID's Photos For any state (back & front)
    *Passport Photos
    ________________
    +US cc F-ullz
    +(Dead F-ullz)
    +(Email leads with Password)
    +(D-umps track 1 & 2 with pin and without pin)
    +H-ACKING & C-ARDING TUTORIALS
    +S-MTP LINUX
    +S-AFE SOCK
    +C-PANEL
    +R-DPs
    +S-pamming Tutorial
    +SERVER I.Ps
    +EMAIL COMBO
    +D-UMPS TUTORIAL
    +BTC FLASHER
    +K-EYLOGGER COMP&MOB
    +EMAIL B-OMBER
    +S-QLI INJECTOR
    +E-THICAL H-ACKING TUTORIAL
    +GMAIL H-ACKING TUTORIAL
    +PENETRATION TESTING TUTORIAL
    +PayPal Cracker
    +BTC Cracker
    +EMAIL BLASTER
    +SMS SENDER
    +NORD VPN
    +ONION LINKS AND TOR BROWSER (LATEST VERSION)
    +D-ARK HORSE T-ROJAN
    +NETFLIX CHECKER
    +IP ROUTING
    +KEYSTROKE LOGGER
    +WESTERN UNION LOGINs
    +ALI BABA IPs
    +K-EYLOGGER
    +S-HELL SCRIPTING
    _______________
    *Let's do a long term business with good profit
    *Contact for more details & deal

    *Contact*
    *I-C-Q :748-957-107
    *Tele-gram:@ James307

    ReplyDelete
  9. Buy world's legit height increasing and grow taller
    medicine Ayurvedic Urea, original ayurvedic urea with valid UIC and SERIAL NUMBER Well, It's basically a Herb, Dhatrumurgasiniy Herb, World's rarest Herb. Ayurvedic Urea aka DhatrumurgasiniyOur customers trust us and reliably return for extra for the quality, reasonable expense, and trustworthiness we provide. Our clients come from around the world and our shop has a variety of products gathered together to suit our customer's needs.
    Grow taller Ayurvedic Urea Powder for sale
    ayurvedic urea for sale
    where to buy urea powder
    ayurveda home remedies
    ayurvedic urea pills
    grow taller ayurvedic urea
    ayurvedic urea grows taller
    ayurvedic urea medication
    ayurvedic urea medication price
    ayurvedic urea in Isreal
    Who can use Ayurvedic Urea (Liquid and Powder) to

    grow taller?
    Where can I order Ayurvedic Urea grow taller
    About Ayurvedic Urea
    where to buy Ayurvedic Urea near me
    Can I buy Ayurvedic Urea Online

    Contact the Authorized agent via the contact details below.

    WhatsApp# ‪+44 7931 491607

    Email ID ( oxydrhere @ g mail . c o m )

    legal genuine vendor of Ayurvedic Urea powder online
    http://ayurvedic-urea-authorized-agent.que.tm/

    ReplyDelete