🚨🚨 If you're early into your careers or eventually going to step into adulthood, please read on 👇🏻

Lately, there’s been more local news about younger and middle-aged Singaporeans facing serious health issues like cancer and stroke 😔🇸🇬

These aren’t just health challenges - they often disrupt work, family life, and finances, sometimes very suddenly.

Recent local stories show:
• Cancer cases rising among those under 40
🔗 https://www.straitstimes.com/singapore/health/more-young-adults-teens-in-singapore-being-diagnosed-with-cancer

• Even fit, healthy young adults being diagnosed
🔗 https://mothership.sg/2026/01/a-hot-hideout-co-founder-cancer/

• “Common” issues like high blood pressure leading to life-changing events
🔗 https://cnalifestyle.channelnewsasia.com/women/stroke-37-singaporean-woman-high-blood-pressure-recovery-474121

• Many families struggling financially during long recovery periods
🔗 https://www.channelnewsasia.com/brand-studio/when-health-scare-hits-will-your-finances-hold-up-5478926

Most of us know some form of protection is important - but many aren’t sure whether what they have today would really be enough if something serious happens.

If you or your loved ones ever wonder - "why did i even buy this much of coverage?" or "do i have enough coverage", dm me with "DEBIA" and i will show you how to effectively calculate your very own coverage requirement amount to "Don't Ever Buy Insurance Again"

Will be updating you guys on the Intrinsic Values of some noteworthy equities 👀 , stay tuned

🇸🇬 SG Budget 2026 - key highlights

Quick roundup of PM Wong’s announcements so you don’t have to scroll through the whole thing 😉

🧑‍🧑‍🧒‍🧒 For Singaporeans
• $500 CDC vouchers for all Singaporean households (Jan 2027)
• Up to $570 U-Save rebates for eligible HDB households (2026)
• $200–$400 cash Cost-of-Living Special Payment (eligible adults)
• $500 Child LifeSG credits for each child aged 12 & below
• More support expanded: income thresholds raised for
• Pre-school subsidies (to $15,000 household income)
• Student care fee assistance (to $6,500 household income)

🧓🏻 CPF / retirement
• CPF top-up up to $1,500 for Singaporeans 50+ who don’t meet the Basic Retirement Sum
• New voluntary CPF investment scheme to help grow retirement savings

👨🏻‍💼 For workers
• Progressive Wage Credit Scheme support up to 30%
• Local Qualifying Salary for local staff raised to $1,800
• SkillsFuture + Workforce Singapore to be merged into a new statutory board under MOM/MOE
• From 2027: minimum qualifying salary raised to $6,000 (EP) and $3,600 (S Pass)

🏢 For companies / markets
• 40% corporate income tax rebate for YA2026, capped at $30,000 per company
• $1B boost to fund promising start-ups (as part of a $37B R&D plan)
• Another $1.5B tranche to attract high-quality SGX listings
• Financial Sector Development Fund also gets $1.5B top-up

🤖 Embracing AI
• PM Wong to chair a new National AI Council + national AI missions to drive transformation
• Larger AI park at one-north + new cluster to turn AI into practical solutions
• Free access to premium AI tools for Singaporeans who take selected AI training courses

🚗 EVs & 🚬 tobacco
• ARF reduced by 45 percentage points to encourage EV adoption
• 20% increase in tobacco tax

My take: Fortunately, this year’s Budget feels like a mix of both near-term cost-of-living relief, plus a longer-term push towards AI, productivity & innovation, to shape our future AI workforce and business landscape.

🚨 Important Updates to GXS Savings Account 🚨

For those who use GXS Bank:

Main Account will be adjusted from 1.08% p.a to 0.88% p.a (huatz...?)

Saving Pockets will be adjusted from 1.18% p.a to 1.08% p.a ...

Rates are dropping everywhere 🙁

📊 Objective Finance’s 2 Cents on 2026’s Market ✨

A lot of you guys have asked me recently whether 2026 feels “different”, especially with markets getting more volatile, and people talking about AI bubbles etc.

Instead of giving a surface-level answer, I took some time to compile a concise research brief explaining what’s (I believe is) actually happening behind the scenes, from the Fed’s standing repo facility usage, to tightening liquidity conditions, to how Japan’s bond market shift could ripple globally.

Btw this isn’t a fear piece, it’s a preparedness piece.

The goal is simple:
To help you understand what to watch, what matters, and how we position portfolios responsibly if conditions tighten further.

As always, if anything raises questions about your own portfolio, let’s have a proper conversation.

Disclaimer:
This material is provided for informational and educational purposes only and should not be construed as financial, investment, legal, or tax advice. The views expressed are based on publicly available information and current market conditions at the time of writing, which may change without notice.

Nothing contained herein constitutes a recommendation, solicitation, or offer to buy or sell any securities or financial instruments. All investments carry risk, including the potential loss of principal.

Please consult with a qualified financial professional before making any investment decisions based on this material.

To all clients and friends,

🚨 Skip this message if you are already fully aware and prepared for the changes to your hospitalisation coverage and premiums 🚨

For everyone else: You have likely heard about the major changes to Integrated Shield Plans announced by MOH, taking effect on 1st April 2026. Because these changes impact absolutely everyone across all age groups, my agency will be hosting a time-sensitive, closed-door webinar to help you navigate this shift.

Here is what you will get out of this session:
☆ How is this change going to impact me and my loved ones: The good, the bad and the things happening in real life
☆ The Premium Trend: Is this going to cap our hospitalisation premiums once and for all?
☆ The Big Decision: Should you switch or keep your current plan?
☆ What's next: Knowing Point 1 to 3, what can i do to safeguard myself for any potential changes in the future?

🎁 Exclusive Perk:
Healthcare is a family matter. For everyone who attends and have your current coverage reviewed, I have personally sponsored a special perk: you will unlock access to complimentary basic health check-ups for you AND your loved ones. More details to follow.

Because this affects entire households, I highly encourage you to invite your friends and family to register as well!

⏳ Secure Your Spot below with you and your loved ones' details (Deadline: Friday, 27th Feb):

1. Name:
Hp number:
Email address:

2. Name:
Hp number:
Email address:

3. Name:
Hp number:
Email address:

⚠️ IMPORTANT: Please ensure you enter your name and a valid email address. Due to limited slots available, your unique webinar access link will be automatically sent directly to that exact email by Sat, 28 Feb. Only authorised attendees will be allowed into the room.

Looking forward to seeing you there! 💪🏻

💲 Deliveroo was known in SG as the most price competitive and cheapest delivery service

$1.99 for delivery

They are closing in SG.

This reminds us cheap fees as a USP always has a con in the long term - business unsustainability.

Every business needs sustainable profits to survive and thrive in the long term.

This reminds me of brokerages and robo advisors who pride themselves over having low fees.

What is the true long term consequence?

Choose sustainability and long term success! 💪🏻

🧧 Huat ah 💵🧧

☄️ Bet on the Fed: Traders Shift Toward Lower Rates for 2027 ⬇️

Traders are significantly shifting their expectations for the Federal Reserve’s next moves, betting that the central bank will keep cutting interest rates through 2027 rather than hiking them.

This change is visible in the market for SOFR (Secured Overnight Financing Rate) futures and options, financial instruments used to bet on where interest rates are headed.

Until recently, the consensus was that the Fed would lower rates briefly this year and then raise them again in 2027. However, fears that AI might disrupt the job market and drive up unemployment have flipped that narrative; traders now see a prolonged easing cycle where the Fed must keep rates low to support the economy.

This dovish shift is most evident in a surge of defensive trades. For instance, some investors are buying options that would pay out if the Fed’s policy rate falls as low as 2% by the end of 2026, far below current market projections of around 3.1%.

While some analysts warn that these long-term predictions are notoriously volatile, the trend suggests a growing belief that the AI boom might be more of a threat to labor than an inflationary spark.

As a result, the yield curve is flattening, signaling that the market is bracing for a period of cooling growth rather than the “higher-for-longer” interest rate environment many expected just a few months ago.

🚨🚨🚨 LPA Form 1 now FREEEEE for Singaporeans (from 1 Apr 2026)🚨🚨🚨

If you or your family haven’t done your Lasting Power of Attorney (LPA) yet, this is a big nudge: application fee for LPA Form 1 will be waived permanently for Singaporeans (previously ~$70).

Why it matters:
• LPA lets you appoint someone you trust to handle your money / property + personal welfare if you ever lose mental capacity (eg dementia, stroke, accident).

📌 As of Feb 2026, ~404k Singaporeans (~1 in 7) have an LPA. For those 65+, about 1 in 4 already done.

⚠️ Note: Application is free, but you still pay the certification fee (doctor/lawyer/psychiatrist), which ranges from ~$24 to $300+.

*Form 1 = standard (covers ~98% of cases) // Form 2 = customised powers, needs a lawyer

https://www.straitstimes.com/singapore/politics/applications-for-a-lasting-power-of-attorney-to-be-made-free-for-singaporeans-from-april-1-msf