Don't Invest Your CPF Before Watching This! (1 Year Results)

Sponsor: 📝 POEMS Cash Plus: https://hmsg.link/poems Enjoy 30 days of commission-free US trades, zero fees on unit trusts, and free market data. Earn stock coupons up to $250 by funding your account and holding for 30 days. Don’t miss the weekly Tuesday gift drops for a chance at $50 coupons for top tech stocks! *T&Cs apply. 🏠 Mortgage Refinancing Check the latest transparent loan rates via Cashew to see if you can reduce your monthly mortgage and increase your cash flow: https://hmsg.link/cashew Here is my one-year investment journey using my CPF Ordinary Account (OA) through POEMS. While I have been investing my CPF for nearly five years, I recently consolidated my portfolio into POEMS to take advantage of lower costs and specific unit trusts like the Amundi Prime USA Fund. I’ll be breaking down my current results, the "sell and buy back" strategy I used, and why having a solid foundation like the Full Retirement Sum (FRS) is crucial before you start risking your CPF funds in the market. 📈 What's Covered in This Video: My CPF Investment Journey: Why I moved from my previous platform to POEMS. The Strategy: Transitioning positions and the reality of market timing. Core Requirements: Understanding the $20,000 OA minimum and the importance of settling housing first. Refinancing Benefits: How lowering my mortgage with a broker like MortgageWise freed up more CPF for investing. Portfolio Review: A transparent look at my one-year results and the impact of the USD/SGD exchange rate. Risk Management: Why your risk appetite matters more than "moonshot" stock picks. 🎁 POEMS New User Rewards If you’re looking for a low-cost way to invest your CPF or SRS, POEMS by Phillip Capital offers 0% sales charges and no platform fees on unit trusts. Step-by-Step to Unlock Rewards: - Sign Up: Use my exclusive link https://hmsg.link/poems to open a Cash Plus account. - Activate: Open SmartPark and log in to the POEMS Mobile 3 app. - Benefits: Get zero US commissions for 30 days, free real-time market data, and 0% sales charges. - Funding Rewards: * Fund $1,000: Get a $10 stock coupon. - Fund $5,000: Get a $100 stock coupon. - Fund $20,000: Get a $250 stock coupon. (Terms and conditions apply. Ensure you hold funds for at least 30 days.) _________________________________ 🔭 Telegram Group: https://hmsg.link/telegram 📷 Instagram @HoneyMoneySG https://www.instagram.com/honeymoneysg 🦙 My Brown Llama/Alpaca https://s.shopee.sg/9zmyORhsqv 🌟 My referral codes: https://t.me/sgpromocode 📙 Solo Biz: https://hmsg.link/solobiz ☕️ Buy my Spreadsheets at Ko-Fi: https://hmsg.link/shop 🎵 TikTok https://www.tiktok.com/@honeymoneysg 📧 Email (Business only): sghoneymoney@gmail.com 🏦 CREDIT CARDS 💳 🔗 https://hmsg.link/creditcard 📈 INVESTING & TRADING PLATFORMS 📈 🔗 https://hmsg.link/investing 💳 MULTI-CURRENCY CARD/WALLET 👛 🔗 https://hmsg.link/multi 💰 PAYMENT APPS 💰 🔗 https://hmsg.link/pay 🏦 FINANCIAL APPS 🏦 🔗 https://hmsg.link/finance 💼 BUSINESS 💼 🔗 https://hmsg.link/business ✈️ TRAVEL ✈️ 🔗 https://hmsg.link/travel 🛡️ Travel Insurance offers 🛡️ 🔗 https://hmsg.link/travelinsurance 🛍 LIFESTYLE 🛍 🔗 https://hmsg.link/lifestyle 👨🏻‍💻 PROFESSIONAL SERVICES 👨🏻‍💻 🔗 https://hmsg.link/services 🎥 FILMING & SOFTWARE 🎥 🔗 https://hmsg.link/film Disclaimer: The information provided in any affiliate referral or recommendation should not be considered as financial advice. The content is for general information purposes only and does not take into account your personal financial situation, goals or objectives. You should always do your own research and seek professional advice before making any financial decisions. We may receive compensation for affiliate referrals, but this does not influence our recommendations or reviews. #SponsoredBy #POEMS