Referral Codes as You Invest and Insure (Investment Platforms in Singapore)

Updated: 9 April 2024

I wished I had invested earlier, but the apparent complexity of stocks made me procrastinate. With the rise of investing tools, I have finally kick-started my investing journey (again), specifically robo-advisors. Since then, there have been many investing platforms to look into and diversify my eggs.

But better late than never. Better now than later. So I highly encourage you to let your money work!

p.s. Find more referral codes to save when you dine and shop in this previous post.

Remember to do your due diligence before signing up on the following platforms. Sign up with my referral link/code to get bonuses. Cheers! 🙂

T&Cs apply for all the following, please refer to the Campaign’s terms and conditions. This advertisement has not been reviewed by the Monetary Authority of Singapore.

Digital Bank

It was announced in December 2020 that the Monetary Authority of Singapore (MAS) had awarded four digital bank licenses. I read an article which gives a good overview of the digital banks in Singapore.

Trust Bank Singapore

Trust Bank Singapore (“Trust Bank”) is a digital bank backed by Standard Chartered (60%) and FairPrice Group (40%). Trust Bank can link its banking services to Link Rewards (a loyalty program of Fairprice).

According to, Trust Bank did not have to apply for a separate full digital licence, as Standard Chartered Bank in Singapore secured an additional full bank licence to establish a subsidiary to operate new or alternative business models, such as a digital-led bank with ecosystem partners.

Receive S$10 when you sign up with my referral code: 2MZ2A0YU

Here’s how you can get sign-up bonuses:

  • Click “Use referral code” and key in 2MZ2A0YU. You wouldn’t be able to key in the referral code later on. (Referrer and referred both get this S$10)
  • Sign up with SingPass MyInfo.
  • Trust Card
    • Wait for the physical cards or start to use the online debit card (savings account) or credit card in your APP. For your debit card, remember to top up your savings account first before using (Bank Code 9733 and SWIFT code is TRBUSGSG).
    • To use before the physical cards are here, shop online or link your Trust Bank card to Apple / Google / Samsung Pay and pay using your smartphone NFC.
  • Under Profile, get your referral link and invite your family and friends.
  • Redeem the Coupons and find many other good deals under coupons, add them to “My Coupons”.


Robo-advisors are a great option for entry-level investors because of their low fees, low cost threshold and ease of use. If you have $25,000 or less to invest, robo-advisors may be a great option to help you get started.


In the beginning of my investment journey, I didn’t want to monitor the market. Hence, I invested using Syfe, a robo-advisor. This is somewhat a passive investing strategy for me.

I am generally pleased with the performance of Syfe. However, to diversify my funds, I also put funds into Stashaway, another robo-advisor. I don’t like to put all my money in one basket, one bank, one anything, just in case. I chose Stashaway because of the high rating on Seedly, and that’s based on 600+ reviews.


StashAway is a digital wealth management platform that is powered by a data-driven investment framework. Products available include bonds, REITs, stocks, ETFs, and commodities

Sign up with my referral link and we’ll both get up to S$10,000 managed for free for 6 months! All funds invested anytime during the 6 months after first investment will not incur any management fees i.e. a new Stashaway client makes a first deposit on 10 July 2021. This and all subsequent deposits made during the next 6 months will not be charged any management fee, up to S$10,000.

Have a look at the pricing tiers for Stashaway management fees before investing.

Follow the steps below to get your fee waiver:

  1. Sign up with this referral link: (only new customers are eligible)
  2. Make your first deposit within 30 days.
  3. Make at least a S$1 investment.

Learn more at


Syfe allows me to invest in a blend of global and local equity, bonds, REITs, and gold Exchange Traded Funds (ETFs). Syfe’s proprietary Automated Risk-Management Investments (ARI™) engine automatically manages my portfolio to maintain my chosen risk level.

On top of that, it charges some of the lowest fees among the robo-advisors. Have a look at the pricing tiers for Syfe management fees before investing.

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Receive a 6 months fee waiver on your first S$30,000 investment when you use my referral code when creating your account: SRPS2V4LX .

Follow the steps and T&Cs below to get your fee waiver:

  1. Select your portfolio here:
  2. When setting up your Syfe account, insert the referral code: SRPS2V4LX
  3. Transfer funds through FAST / PayNow to fund your portfolio, at least S$1,000.
  4. Invest a minimum of S$1,000 in any Syfe portfolio and holds it for a minimum of 90 days.

Terms and conditions (T&Cs):

  1. Only new customers to Syfe are eligible for this promotion.
  2. Transfer and invest your funds within 14 days of account creation.
  3. If you did not enter a referral code at account creation, you have 14 days to apply the referral code from the day you make your first investment. E.g. If you make your first investment on 1 August and did not use any referral code. You can enter a referral code anytime from 1 August to 14 August to be eligible for the fee waiver.
  4. To help me get a better reward, I would appreciate if you help me in this: If you are investing in Cash+ and another Syfe portfolio on the same business day, do fund the Cash+ portflio first, followed by the other Syfe portfolio.

Learn more at

Photo by Nick Chong on Unsplash

Low Cost Brokerages

After robo-advisors, I decided to venture into the world of stock markets because of the following two low-cost brokerages: Moomoo and Tiger Brokers. Compared to the high fees of traditional brokerage, these brokerages gave me a chance to trade in small amounts.

If you are like me, an investor starting with low capital, fees is a huge consideration. High brokerage fees can reduce profits by a significant percentage. Hence, a brokerage that charges low fees enables you to trade small while keeping the cost per trade low.

Moreover, the brokerages have good incentives when you sign up with them now. I got an Apple share (AAPL) from Moomoo, held on to it and sold for about US$142! Indeed a good sign up bonus.

If I were to choose one, I would go for Moomoo. Firstly, the sign-up bonus for Moomoo is better. Moreover, I had a hard time trying to contact the Support for Tiger Brokers. It’s fine when all’s well, but if you need help, it can be frustrating. I have no experience with Moomoo’s support though.

Tiger Brokers

Tiger Brokers has low commission fees, sign up perks, stock screeners, and prominent investors as backers.

Follow the steps below to get sign up benefits:

From now to 31 July 2021, use my promo code (UU9OU1) or click here to open an account with Tiger Brokers and you will get these benefits:

  • 500 Tiger Coins when you register with Tiger Brokers.
  • 60 commission-free trades within 180 days for US stocks, HK stocks, Singapore stocks and Futures
  • One Apple (AAPL) share if you make an initial deposit of S$2,001 or more (or equivalent currency). This is the the very first deposit you make. So don’t deposit S$1 for the first time just to test things out.


Get to trade US, HK, and SG shares with Moomoo. I managed to get an Apple stock in their previous promotion. 😉 Now is your chance!

Follow the steps below to get sign up benefits:

From now to 2 August 2021 (8pm SGT), open a Futu SG securities account with my Moomoo referral link (

  • 180 days of free commission for trading of US, HK and SG markets from the day of account opening (after approval of account).
  • 1 free Apple (AAPL) share 
    • When you deposit US$2,000 equivalent or S$2,700 in your account, within 30 days from the account opening.
  • 1 free NIO Share
    • When you deposit US$2,000 equivalent or S$2,700 in your account, within 30 days from the account opening
    • Successfully unlock the Level 1 Trading badge, or complete 5 successful trades within 30 days from account opening.
  • Other freebies:
    • Free access to Lvl2 Market Data in the U.S. stock market.
    • Free SGX Securities Level 1 Real-time Market Data.
    • Free S$50 Cash Coupon for transferring stock in (other fees and GST may still apply).

Alternative Investment

Photo by Jingming Pan on Unsplash

Hugo (Buy Gold)

Set up a digital account that helps you to spend, save and invest with gold. Get FREE Gold trading on Hugo until the end of November 2021. Moreover, the Hugo card is like a debit card for you to make your purchases. You can choose a round up option whereby you spend S$9.70 on your card, and the remaining S$0.30 will be invested in Hugo.

Moreover, you get Goldback (instead of cashback) when you sign up with my referral link. Goldback® awards get deposited into your Gold Vault 60 days after signing up.

Follow the steps below to get your S$20 Goldback:

Gemini (Cryptocurrency Exchange)

With the Cryptocurrencies under correction, I thought it might be a good time to enter into this alternative investment. Hopefully it’s still better late than never moment. Although I must say I have FOMO moments when the prices were skyrocketing.

After reading a few finance blogs, I decided to trade on Gemini, an exchange that is more suited for me, a novice based in Singapore. For investors going in larger positions and/or are experienced, they generally prefer Binance.

According to, “Gemini is a regulated cryptocurrency exchange, wallet, and custodian that makes it simple and secure to buy bitcoin, ether, and other cryptocurrencies.”

Follow the steps below to get US$10 worth of Bitcoin:

  • Sign up with my referral link ( and we’ll each get US$10 worth of Bitcoin.
  • Verify with Singpass.
  • Under payment methods: Add bank manually for FAST transfer.
    • Tip: Transfer a small amount to test.
    • Transfer US$100 (or equivalent of your domestic currency).
  • Within 30 days of creating the account, buy or sell US$100 (or equivalent of your domestic currency).
    • Tip: Under Profile, switch to Active trader to enjoy lower fees. Gemini ActiveTrader™ is a trading interface that offers advanced charting, additional trading pairs, order types, and deeper order book visibility. This interface is unavailable on the Gemini app,


With low fixed deposit interests, short term endowment plans seem to be widely recommended. If available, buy through PolicyPal to get cash rebates. First up, you can get $10 PolicyPal credits when you sign up for an account with this referral link:

However, if you have no insurance at all, I would suggest you look at pure insurance products first. Insure yourself first before investing. Protect your wealth first, before you try to grow it. No point in growing wealth and losing it in the end.

You can contact Quinn or Ian from Finexis. Previously, Quinn has shared with me some financial planning tips for parents with young children. She is registered with the Monetary Authority of Singapore as Huang Qiao’E. She’s also a Certified Financial Planner (“CFP”). Find out more about Quinn through her webpage and LinkedIn. Or contact Quinn at [email protected], or 9139 8267 for financial planning for yourself, children and/or other loved ones.

Personally, Ian is our family’s financial consultant for a few years now. You can read about the insurance audit he did for us.

Do quote JoogoStyle as your referral when you contact Quinn or Ian for an appointment. They might just give you some discounts! 😉

Before you go, you can get further savings with these:

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Disclaimer: JoogoStyle and Christina accepts no liability (whether in tort or contract or otherwise) for any loss or damage arising from any use, misuse, inaccuracy or omission of the information or other contents published on this website.

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