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Arigato, dear investor,

Last week, I was reading about MAS strengthening the Singapore dollar.

On surface, it sounds like a good thing:
It helps lower import costs, eases inflation, and gives us a little more purchasing power.

But later on, I kept thinking about the other side of the story.

Because Singapore isn’t just any economy.
We are one of the most export-dependent economies in the world.
Our exports are more than 178% of GDP in 2024.
In other words, a huge part of our growth depends on global demand.

And that’s where things get a little uncomfortable.

When SGD strengthens,
our goods and services become more expensive to the rest of the world.
Overseas buyers may think twice.
Businesses may start pulling back.
And over time, that can slow demand for what Singapore sells.

Already, we are seeing a dip in our GDP growth rate in 2026 👇️ 

When that happens, it doesn’t just affect “the economy” in some faraway, abstract sense. It starts to show up in real life.

Hiring slows down.
Switching jobs becomes harder.
Fresh graduates struggle to find openings.
Quietly, unemployment starts to creep up.

And this is the part I really want you to think about.

A stronger Singapore dollar may help in the short term, but it does not guarantee your financial stability.

I’ve seen this before. People work hard, save consistently, do everything they were told was “right” — and yet still feel stuck when the environment around them changes.

That’s why, over 10 years ago, I made a decision.
I didn’t want to rely only on the economy anymore.
I wanted to take back control.

So I started learning how to invest properly.
Not by chasing hype, and not by guessing what the market might do next.
I focused on building something structured, repeatable, and steady over time.

And even with all the uncertainty recently, my portfolio has continued to grow steadily.

Not because I can control the economy.

But because I’ve learned how to:
👉 Work with the market, not depend on it

And this is exactly what I’ll be sharing
in my upcoming 3-Day Options To Freedom Bootcamp.

I’ll walk you through:

• How to position yourself even when the economy slows

• How to choose the right ETFs

• And how to generate consistent cash flow using options

In a way that feels calm, safe, and sustainable

Let’s build this together,
one step at a time 🙂

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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. 💛