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Continue reading →: Top 10 Financial Advice for Singaporeans in 20261. Master the CPF Shielding & Optimization Think of the Central Provident Fund (CPF) as the bedrock of your “Safe Bucket.” For wealth preservation, the 4% p.a. floor on your Special Account (SA) is a gift. 2. Treat Inflation as Your Primary Adversary In Singapore, headline inflation often masks the…
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Continue reading →: Why Following the “Singapore Safe Path” Is Becoming Riskier Than EverFor decades, Singapore sold a simple formula for success. Study hard.Get a stable job.Buy a flat.Climb steadily.Don’t take unnecessary risks. For a long time, it worked. But here’s the uncomfortable truth most people don’t want to admit: The “safe path” hasn’t disappeared – it’s just becoming riskier than people realise.…
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Continue reading →: Why So Many Singaporeans Feel “Rich but Stuck” – And What 2026 Will ExposeWalk around any MRT station during peak hour and you’ll see it. Nice clothes.Latest iPhones.Crowded cafés.Fully booked flights. By global standards, Singaporeans are rich. Yet quietly, many people feel financially stuck. Not poor.Not desperate.Just… trapped in place. And 2026 is going to expose this feeling in a very uncomfortable way.…
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Continue reading →: Why the Best Investment in 2026 Isn’t Stocks, Crypto, or Property – It’s YouSingaporeans love to talk about investing. Stocks.ETFs.Crypto.Property.CPF optimisation. But here’s a hard truth most people don’t want to hear: If you’re not even earning around the median income in Singapore yet, investing in markets is not your biggest leverage. Investing in yourself is. And 2026 is going to make this…
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Continue reading →: 2026: Why the Outlook Is Brighter Than Most Singaporeans Dare to AdmitIf you’ve been living in Singapore the last few years, chances are you’ve heard this phrase a lot: “Everything also expensive now.” And you wouldn’t be wrong. Interest rates shot up.Mortgage payments hurt.Cost of living climbed faster than kopi prices.Markets felt uncertain, volatile, messy. But here’s the thing many people…
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Continue reading →: The Quiet Weight Singaporean Fathers Carry (That Nobody Talks About)I’m a Singaporean husband and father. You think adulthood is tough? Wait till fatherhood arrives. Early 40s.Two young daughters – one is four, the other just turned one.A wife who holds the family together at home.And I’m the sole breadwinner. On paper, I’m doing “well”. I earn five figures a…
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Continue reading →: Investing in 2026: A Singaporean’s No-Nonsense Playbook (After the Hype Dies)Let’s be honest. If you’ve survived 2021 crypto euphoria, 2022 rate hikes, 2023 layoffs, 2024 AI mania, and whatever madness 2025 decided to throw at us – you’re no longer a “new investor”. You’re battle-hardened. Slightly traumatised. And hopefully wiser. So when people ask, “What should I invest in for…
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Continue reading →: 🦁 Financial Freedom Starts Now: A Wake-Up Call for Singapore’s Fresh GraduatesBy MERLION$ | MerlionFinance.com You survived NUS, NTU, SMU, SUTD, SIT.Final exams done. FYP submitted. Graduation gowns returned. Now you’re stepping into the real world – paycheck incoming, CPF kicking in, MRT tap-outs adding up – and suddenly the big question hits: “Is my salary enough?” More importantly: “Will I…
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Continue reading →: 🦁 Welcome to the Real World, Fresh Grads – Here’s the Truth No One Told YouBy MERLION$ | MerlionFinance.com If you’re reading this, congrats – you’ve officially completed the great Singapore education gauntlet. NTU, NUS, SMU, SUTD, SIT… wherever you came from, you survived group projects, capstone stress, profs who reply emails once a week, and lecture recordings at 2× speed. And now?You’re stepping into…
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Continue reading →: 🦁 Why Starting an Investment Plan Early Is the Greatest Advantage a Young Singaporean Can HaveBy MERLION$ | MerlionFinance.com If you’re between 21 and 25 in Singapore, you’re probably feeling the pressure already – first job, first paycheck, first time paying your own bills… and also the first time hearing your parents whisper, “Aiyo, don’t invest lah, very risky one. Later lose money how?” But…
Hello,
I’m not here to sell you the dream — I’m here to dissect it.
Welcome to Merlion Baller, a space where I unpack the financial noise that clogs your feed and filter it through a mix of logic, cynicism, and first-principles thinking.
The Merlion Baller 