SG Investor Hub Blog

RHB’S 12 STOCK PICKS FOR YEAR 2018

RHB stocks recommendations

Dear readers, RHB has released its stocks picks for Year 2018. According to RHB, there are 12 stocks which investors could consider for Year 2018. The theme behind RHB’s recommended stocks is based on selective stocks selection. Hence when I saw the RHB’s list of recommended stocks, it is really fresh air for me as based on what I have been sharing so far on the recommended Singapore stocks here , many stocks analysts tend to recommend only blue-chip and STI constituent stocks; thus we keep on seeing the names of similar blue-chip stocks being tossed around. But RHB’s list here is really selective and here without further ado, are RHB’s recommended stocks:

1) APAC Realty

2) Ascendas Reit

3) Avi-Tech Electronics

4) Dairy Farm

5) Food Empire Holdings

6) HRNetGroupRead more »

2H 2017 Crypto Portfolio Performance

The quick and easy number?  +254.77%The math is a simple one, I’m too damn lazy to count XIRR. It would be a ridiculous number like 800% or something anyway. ( Current Unrealized + Realized Profits ) / ( Capital Invested ) = ReturnsI’ll give you g…

Can Online Insurance Savings Plans Promote Greater Financial Security Among Singaporean Women?

To provide Singaporeans easier access to insurance policies, insurers in Singapore are constantly innovating. Aiming to change the way life insurance policies are distributed, Etiqa Insurance is the first to bring insurance savings plans online with the EASY save series. But in a country where expenses are high, and retirement planning is not a priority, […]

The post Can Online Insurance Savings Plans Promote Greater Financial Security Among Singaporean Women? appeared first on The New Savvy.

You Should Always Use A Credit Card For These 5 Expenses

Many people insist on using cash instead of credit cards when making a purchase. Certainly, using cash can provide a sense of comfort in knowing exactly how much one is spending and therefore manging his finances more closely. While this philosophy has its merits, it ignores the fact that using a credit card can give […]

The post You Should Always Use A Credit Card For These 5 Expenses appeared first on The New Savvy.

Practical Ideas for Christmas Gift Exchange (under $50)

Stuck while trying to figure out what to buy for your upcoming Christmas gift exchange? Or for Secret Santa?

I’m not the biggest fan of Christmas gift exchanges for a very simple reason – I don’t always get to use the stuff I’m given, and I find that a huge waste. When I shop for gifts, I always focus on practicality and whether I think the recipient will use it. 

(Note: This is NOT a sponsored post. All recommendations are of my own.)

Here are some of my favourite practical gifts for the different types of people in my life:

For bosses

I’m always stuck when it comes to buying a Christmas gift for my bosses, but my friend solved my problem for good when she highlighted that a gift from a social enterprise will probably be the best, because it makes the recipient (i.e. your bosses) look good as well!

Check out these amazing namecard holders designed by autistic students from Pathlight School here. Can you imagine these holders being a key talking point for your bosses when he/she meets future clients? Bingo!

Price: $29.90

The teacher / tutor



Teachers have a love-hate relationship with marking, but they’re an evil necessity in order for our students to improve. As such, help them customize a stamp to make their lives a little easier! You can personalize a stamp using their names as well, such as “Mrs Tan likes this” to make their marking a little more fun!

Price: $13 and up. Get it here at More Than Good.

The Investor



Give your investor friend a gift that will keep on growing – a pre-loaded Ethereum card! Second only to Bitcoin in the cryptocurrency universe, Ethereum has grown from $1 to $735 this year, and will likely continue its long-term uptrend. 

Price: $5 (for the card). Feel free to load any amount of ether as you desire.

The K-drama addict 


Viu Premium all-access pass with priority viewing, so she can watch her favourite K-drama episodes as fast as 8 hours after it airs in Korea! I used this on many of my trips this year, and it was a great hack to saving money on my budget airline flights where entertainment systems aren’t provided, since you can download episodes or even movies in HD and watch it offline!

Price: $29.90

The skincare / vegan / organic junkie

The rise of the green skincare movement is taking the beauty industry by storm, with its focus on plant-derived ingredients and eliminating harsh chemicals made in a lab. Get your friend this organic gel sunblock, made specifically for Singapore’s weather and from a blend of 100% natural and certified organic ingredients.

Price: $18.90


The artist / gamer / young-at-heart



Ever wondered how you’ll look like as a LEGO character? Wonder no more, as Two Three Bricks will turn your photo into a LEGO print and put your curiosity to rest! Get it here.

Price: $16 and up.

The workaholic 

This lovely rose-gold planner at Kikki.K and thought it would make such a elegant gift for the workaholic to get their schedules under control. I’ve already requested for this in my Secret Santa this year!

Price: $29.90


The most practical gift? Vouchers!

I don’t care what people say about vouchers being a lazy gift, because at the end of the day, no one really likes that mug / notebook / chocolates you’ve giving either, so you might as well give them something they’ll actually get to use!

Seriously, I’d be elated if I get vouchers in a gift exchange, because every year I get stuff that I don’t really want or care for. Most of them just go into the wardrobe where they never see the light of day.

Here are some fantastic brands you get get gift cards or vouchers from:

  • Sephora (for the skincare / makeup junkie)
  • Klook (for the wanderlust traveller)
  • Book Depository (for the bookworm)
  • Guavapass (for the #fitspo)
  • Golden Village / Cathay / Shaw vouchers (for the movie addict)
  • Zalora / ASOS (for the fashionista)
  • Starbucks / The Coffee Bean & Tea Leaf / Costa Coffee (for the coffee lovers)
  • Mothercare (for the new moms)

Otherwise, if you’re not sure who will be getting your present (if it is a random office exchange where you pick numbers or names out of a hat), I can assure you these vouchers below will be well-received no matter who your recipient is!

  • NTUC / Cold Storage
  • Capitaland / Takashimaya
  • Watsons / Guardian 
  • Grab
  • Qoo10
  • Lazada
  • Zalora 
  • Shopee
  • Deliveroo / honestbee / Food Panda
  • Naiise
And the best thing is, you don’t even need to restrict yourself to any of these brands! My top pick for this season lies in a little-known app called Fuzzie, where you can purchase a gorgeous Christmas gift card to give away. 

Here’s what I got:


I discovered the Fuzzie app thanks to a tip from a reader, and was blown away by the type of merchants they have on the app. Some examples include Grab, Klook, Zalora, Qoo10, Lazada, Shopee, Book Depository, Costa Coffee, Naiise, Deliveroo, honestbee, Food Panda, Guavapass, Amore Fitness and more! 

Look out for the Ultimate Cashback Guidebook which will be released in a few weeks, where I’ll elaborate more on Fuzzie and how you can maximise your cashback on the app (on top of stacking with your miles / cashback credit card!).

Pssst, if you want an additional $5 with your first purchase (minimum $5 spend), sign up with my affiliate promo code SGBUDGETBABE when you download the app.

(Note: This is NOT a sponsored post. I do not get paid by any of the brands if you buy any of my recommendations from this article.)

Merry Christmas guys!

With love,
Dawn