never part of my plan

In partnership with

Arigato, dear investor,

Some of you might be wondering…
“Chloe, why are you in Portugal?”

To be honest, it was never part of my travel plan. 😶 

A few months ago, I received an invitation from the SMIC Investment Conference to share my insights on investing and options here in Portugal.

And I thought — why not?

After all, investing and options are truly borderless.
As long as you have internet access and a brokerage account, you can start building wealth from anywhere in the world 🌍

So I said yes.
And wow — it turned out to be one of the most eye-opening experiences ever.

Not only did I learn so much about the local culture,
I also walked away feeling so blessed to be a Singaporean 🇸🇬

Here in Portugal, the minimum wage is around €900, which is roughly SGD 1,300+.
Yet the property prices in Lisbon are extremely high, because many foreigners — especially from the US and Brazil — love buying homes here for the mild weather and lower cost of living.

But what really shocked me was the tax rate.
It can go as high as over 50% — imagine half of your salary going straight to the government! 😳

In comparison, Singapore’s maximum income tax rate is only 24%, which is much more reasonable.

And here’s the best part — when it comes to investment gains, Singaporeans don’t pay any tax to the government at all.
No capital gains tax, no dividend tax, and no estate tax.

Unlike countries such as Portugal, Canada, or the US —
where you can easily pay around 20% tax on your investment profits —
Singaporeans get to keep 100% of what we earn from our investments.

That’s why I always encourage my students to start investing as soon as possible.
The earlier you begin, the more time your money has to compound —
and best of all, you don’t have to pay a single cent in tax on your profits! 💪

The more I travel,
the more grateful I feel to call Singapore home.

Thank you, Singapore —
for giving us such a wonderful place to live, invest, and thrive.

If you’re ready to start your investing journey too —
my 7 Investing Course Bundle will guide you step by step,
from CPF, SRS, and SA investing (your homeground advantage),
to overseas investments like US stock and ETFs.

Meanwhile, check out this 👇️ 

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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. 💛

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