WealthHerd Blog
Personal Finance Guides & Expert Articles
Practical, data-driven guides on every aspect of building wealth — from your first budget to financial independence.
The 50/30/20 Rule: Does It Work in Singapore?
The 50/30/20 budget rule is a simple framework — but Singapore's high housing costs and CPF contributions require adjustments. Here is how to make it work in Singapore.
Best Side Hustles in Singapore for 2025
Looking to earn extra income in Singapore? Here are the best side hustles for 2025, from freelance work to content creation, with tax and CPF implications explained.
Debt Avalanche vs Snowball: The Best Method for Singaporeans
Paying off debt in Singapore requires choosing the right strategy. Here is how the avalanche and snowball methods work, with examples using Singapore interest rates.
Financial Independence in Singapore: CPF LIFE, SRS Drawdown, No CGT, and the FIRE Roadmap
How to build financial independence in Singapore using CPF as a pension floor, SRS for tax-deferred investing, a taxable portfolio with no CGT or dividend tax, and the 4% rule adapted for Singapore FIRE.
How Much Emergency Fund Do You Need in Singapore?
Singapore's unique financial system — CPF, mandatory savings, low unemployment — affects how much emergency cash you actually need. Here is the right emergency fund size for Singaporeans.
How to Build a Budget That Works in Singapore
Most budgets fail within weeks. This Singapore-specific budgeting guide covers CPF deductions, HDB costs, and the exact steps to build a budget you will actually maintain.
Index Funds vs ETFs in Singapore: What You Need to Know
Index funds and ETFs both track market indices but work differently in Singapore. Here is how to choose between STI ETFs, global ETFs, and unit trusts for your Singapore portfolio.
How to Start Investing With $100 in Singapore
You do not need thousands of dollars to start investing in Singapore. Here is how to put SGD $100 to work immediately using RSPs, ETFs, and Singapore's investment platforms.
How to Track Your Net Worth in Singapore
Net worth is the most important personal finance number. Here is how to calculate and track it correctly in Singapore, including CPF, HDB equity, and SRS balances.
Should You Pay Off Your HDB or Private Property Mortgage Early in Singapore?
Navigating the HDB vs. bank loan decision, using CPF OA to service your mortgage, the true cost of prepayment, and how to decide whether extra cash is better used paying down your home loan or investing.
Personal Finance Planning for Singaporeans: A Step-by-Step Guide
Discover how to create a personalized financial plan, including budgeting, saving, and investing, tailored to Singapore's tax rules and regulations.
Retirement Planning in Your 30s in Singapore
Your 30s are the most important decade for retirement planning in Singapore. Here is how to optimise CPF, use SRS, and build wealth outside the mandatory system for early retirement.
How to Negotiate Your Salary in Singapore
Singapore's job market is competitive and transparent. Here is a practical Singapore salary negotiation guide with MOM data sources, scripts, and CPF-inclusive total compensation thinking.
Top 5 Budgeting Apps for Singapore in 2026 and How to Sync Them with CPF
Compare the best budgeting apps for Singaporeans and learn how to link them to your CPF accounts for seamless tracking.
What Is the FIRE Movement? A Singapore Perspective
FIRE — Financial Independence, Retire Early — is gaining traction in Singapore. Here is what it means, whether CPF counts, and how to calculate your FIRE number in SGD.
Zero-Based Budgeting in Singapore: How It Works and a Worked SGD Example
Zero-based budgeting assigns every Singapore dollar a specific purpose before the month begins. A step-by-step guide with a worked example for a typical Singapore household — including CPF deductions, HDB mortgage, and GST.
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