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New year, new beginnings

Hi friends & readers,

December is usually the time of year to reflect and recover from heart aches and January marks the beginning of new challenges.

A relatively short post to update 3 things that I did to start a brand new 2022.


1. CPF

Doubling effort to grow my retirement savings through CPF via VCMA to new BHS of $66,000 and at the same time getting the benefits of tax relief.

2. Neobroker

Being the inquisitive me, a trial on SyfeTrade (integrated via my SyfeWeath account) cannot be missed. The 2 x $30SGD ($22.22 & $22.26USD) giveaways were also immediate as well.

3. Instagram

Like the newly incepted META (FB), I actually started my own Instagram: moneycrumber

to compliment my blog journey to FI.

Finally, while 2022 might not be a joyride either, I hope you'll continue to push on to pursue your goals and further reach uncharted grounds.



As content gets commoditised with technological advancements and fungible resources, readers should comprehend materials for informational purposes ONLY and NOT be taken as tax, legal, business, or investment advice. It also does NOT constitute as an offer or solicitation to consider any investments or securities. Case to point, the content is not directed to any individual and may not be used to evaluate or make any investment.

Do note that this is not financial advice. Please always do you own due diligence all the time and consult relevant professionals or certified financial advisors/planners. (Or a chat with me!)


Referral Links (T&Cs apply on freewill): Stuff I personally use and acknowledged.

Hugo - Friends for Goldback®


Tiger Brokers - Sign up with to receive 500 Tiger Coins, 60 commission-free trades within 180 days for U.S. stocks, H.K. stocks, Singapore stocks and Futures. You will also receive a free share of Starbucks when you make an initial deposit more than 2000 SGD or equivalent currency.

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Sign up to get 1 Free Apple Share (welcome bundle) and Unlimited Commission-Free Trading!

Endowus -

Sign up with Endowus is a MAS-licensed investment advisor that helps us invest our CPF, SRS, and cash savings in globally diversified portfolios. When you sign up and fund your account, we each get $10,000 in assets advised for free for 6 months.

Syfe -

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Gemini -

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A well written article Mr. Marcus Chew and we agree that new year is always fun, We are Financial Advisors in Gold Coast area in Australia.

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