Arigato, {{ first name | dear investor }},
When I tell people that some of my Singapore bank investments have returned 278% on DBS, 208% on OCBC, and 109% on UOB, the first question I usually get is:
"Wow! How much cash did you invest?"
My answer surprises almost everyone.
I didn't use my cash.
I used my CPF.
Did you know that around 75% of Singaporeans don't invest their CPF?
Instead, they leave their Ordinary Account (OA) savings to earn the guaranteed 2.5% per year.
Now, don't get me wrong.
There's nothing wrong with earning a guaranteed return.
But personally...
I didn't feel 2.5% was enough to keep up with inflation, let alone build the kind of retirement I wanted.
So six years ago, I decided to make my CPF work harder.
Why I chose Singapore bank stocks
One of my favourite CPF investments has been Singapore's three local banks:
By buying them when valuations were attractive—not simply because everyone was talking about them—I've been fortunate to see some of my holdings grow by:
And that's before factoring in the 10%/yr dividends I've collected over the years.
The biggest lesson?
It's not just about buying great companies.
It's about buying great companies at the right price.
That's exactly what I teach inside my Bank In Profits Workshop
If you've ever wondered:
How do I know if DBS, OCBC or UOB are overvalued or undervalued?
When is a good time to buy?
Which financial metrics actually matter?
How do I use CPF to invest safely and confidently?
I've put everything into my Bank In Profits Workshop for only $7!
I'll walk you through my step-by-step framework so you can evaluate Singapore bank stocks with confidence instead of relying on guesswork.
The Bank In Profits Workshop is also included in my 7 Investing Courses Bundle for just US$47.
If you're looking to build a strong investing foundation, this bundle gives you access to seven practical investing courses at a fraction of the usual price.
Would love to grow your wealth together! 😃
Arigato!
Chloe
Arigato Investor
Just a quick heads-up 🌸 Except for Instagram, where I may reply if you comment on my posts, I’ll never initiate a private message to you on any platform. So if you ever get a DM from someone claiming to be “Chloe” or “The Arigato Investor” on Telegram or TikTok — please know that’s not me. It’s a scammer impersonating my account. Stay safe and always double-check 💛
The information provided in this newsletter is for informational purposes only and does not constitute financial advice. Readers should seek their own independent financial advice before making any investment decisions. Please note that the opinions expressed in this newsletter are Chloe's own and do not represent the views of any organization. Always perform your own research and due diligence before investing. 💛
