Arigato, {{ first name | dear investor }},

If you've always wanted to invest in Singapore bank stocks but felt they were simply too expensive...

I've got good news for you.

Starting 5 October 2026, SGX is making one of its biggest changes in years.

For stocks priced between S$10 and S$100, the standard board lot will be reduced from 100 shares to just 10 shares.

That means instead of needing around S$6,600 to buy DBS (assuming it's trading around S$50/share), you'll only need about S$660 to get started.

This makes investing in companies like DBS, OCBC, UOB, Keppel and SGX much more accessible for everyday Singaporeans.

After I shared this news on my Instagram (and the video went viral), a few readers told me:

"Chloe, I've already been buying 10 shares of DBS!"

And they're right. 😊

Some brokerages already allow investors to buy fewer than 100 shares through SGX's Unit Share (Odd Lot) Market.

However, there's an important difference.

Today, the official board lot is still 100 shares.

If you're using the normal Ready Market (which is what most investors use), you'll typically still buy in lots of 100 shares.

The Unit Share Market is a separate market that allows odd-lot trades, but it can sometimes have:

That's why I've personally continued buying my Singapore bank stocks in standard 100-share lots over the past six years.

From 5 October, however, you won't need to use the Unit Share Market anymore. This is a much bigger change because buying smaller quantities becomes part of the standard market itself. 😀

Many people are celebrating because it's now cheaper to buy Singapore bank stocks.

But I think they're asking the wrong question.

The question isn't:

"Can I afford to buy DBS now?"

The better question is:

"Am I buying DBS at the right price?"

Because buying an amazing bank at an expensive valuation can still give you disappointing returns.

On the other hand, buying quality bank stocks when they're undervalued can dramatically improve your long-term returns.

I've personally been investing in Singapore bank stocks since 2020.

For the past 6 years, I've only added Singapore bank stocks when the timing and valuation were in my favour. That approach has helped some of my positions grow by over 100%, with others exceeding 200%, while continuing to pay me 10%+ annual dividends on my original purchase price.

The results weren't because I guessed correctly.

They came from following a valuation framework that tells me when the odds are in my favour.

That's exactly what I teach inside my Bank In Profits Workshop.

Inside, I'll show you:

✅ How to tell if Singapore bank stocks are undervalued or overvalued.
✅ The valuation framework I personally use before buying.
✅ The key financial indicators I check before investing a single dollar.
✅ How to maximise both dividend income and long-term capital growth.

If you'd like to learn how I evaluate Singapore bank stocks before investing, you can check it out here:

Because at the end of the day...

Lowering the entry price helps more people start investing.

But knowing when to buy is what helps you build wealth. 😃

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. 💛