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Taking profits for STI ETF & doubling my stocks purchase to close to SGD$70k in Tiger Brokers

When people talked about STI being the Super Terrible Index, I laughed. It was such an apt description cause the people around me who invested into STI via DCA years back are still seeing red.  Despite that, I decided to take it up when it was hovering around $2.50+ in Sept 2020 through  Tiger Brokers . I reckoned that Singapore economy would one day rebound. When would that "one day" happen? I'm not sure. But I figured if it continues that way for the next 1-2 years, I'll just accept the dividends that comes along, since interest rates from saving accounts SUCKS. I didn't expect STI to cross $3.00 4 months later.  I had also planned to sell it off once it hits $3.00.  Not sure if it was a sign - I came across this, and I quote "A gain is not a real again unless its a realized gain". So I decided to sell off my shares in STI ETF, for a ~18% profit.  All through Tiger Brokers.   You can check out the fee comparison on stocks purchases between Tiger and D

1.68% Tiq 3-year endowment

It's the new year, and I've been hoping for good news. Instead, the first financial related stuff I saw was the interest cut on OCBC 360 savings account w.e.f 1 Feb 😒

In view of the current low interest environment, I chanced upon the new plan by Etiqa.

I've been a Etiqa customer since 2019. 

Back then, I posted about the 2.02% ELASTIQ guaranteed plan which I bought. Unfortunately, this plan is now fully subscribed.

In 2020, I shared that this was one of the way I earned $600-$1,500 passive income (see point 3). During then, they had rolled out the 2.1% Tiq 3-year endowment but I didn't take the chance to enter since I had the ELASTIQ plan. On hindsight, should have parked some money there since the saving accounts interest are so pathetic....

As of today, 4 Jan 2021, Etiqa released a new 3-year endowment that provides a guaranteed 1.68% if you hold it for 3 years; with a minimum saving of $10,000. There is no medical underwriting involved. For more details, you may refer to the link here

Honestly, 1.68% is nothing to shout about BUT given today's low interest environment, I will be applying for my mum and park $10k here. 

If you are interested in the new 1.68% Tiq 3-year endowment, pls key in R104346 under referral code.

Experience as an existing customer

Registration is a breeze since info are generated from Singpass and top up is simple with straightforward instructions.

In terms of transaction records, I'd say it functions similar to ibanking. All I need is to login via Singpass, key in otp sent to your phone...and you'll get to see the transaction history. I've talked about my experiences back in 2019 too.

For reference, the below shows the interest given every month for my $15k 2.02% ELASTIQ account. Not bad hor?

Hope this sharing is useful for those who do not know where to park your spare cash! 

I'm always on a look-out for attractive plans that generate good interest. If you have any, pls share with me!


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