not your salary

Arigato, dear investor,

15 years ago, I was still in university.

And honestly…
I used to worry a lot about my future.

Especially money, becuase my dad was retrenched the year I was about to graduate.

Back then, I really believed the only way to achieve financial freedom was to work extremely hard, climb the corporate ladder, and slowly work my way up over the next 30 to 40 years.

So after graduation, I became a journalist.

I worked hard.
I chased deadlines.
I tried my best to build a stable career.

But after a few years…
deep inside, I realised something.

Even though I was working harder and harder,
it still didn’t feel like the financial freedom I was looking for.

And that was the turning point for me.

Instead of only learning how to work harder…
I started learning how to invest.

At first, I knew almost nothing.

I made mistakes.
I felt overwhelmed.
And there were moments I doubted myself too.

But slowly, over time, things started compounding.

Not just my portfolio…
but my confidence, my knowledge, and my freedom too.

And today, looking back after more than 10 years of investing…

I’m honestly so grateful I started.

Because investing has given me something my job alone never could.

The freedom to choose how I spend my time.
The freedom to work from anywhere.
And most importantly… financial peace of mind.

Today, I’ve built a portfolio that allows me to retire comfortably and live with much more freedom anywhere in the world.

And that’s why every Labour Day reminds me of something important:

Working hard is important.
But learning how to make your money work hard for you is equally important too 😊

One thing I wish more Singaporeans knew earlier is this:

Your CPF and SRS can actually become incredible wealth-building tools… if you learn how to invest them properly.

In the last 5 years alone, my CPF increased by over 53%.

And honestly, that would never have happened if I simply left everything untouched earning the default rates.

CPF OA gives around 2.5%.
SRS cash earns almost nothing.

Which means many people are working hard every single year…
but their money isn’t really growing with them.

That’s exactly why I created a FREE CPF & SRS Investing Guide 😊

Inside, I share step-by-step:

• How to start using your CPF to invest

• The simple setup most people miss

• What you need before you can even begin

• How to access better opportunities beyond the OA’s 2.5% per year

• Includes additional resources to support you beyond the guide!

Remember, just one small step can give your future self a little bit more freedom 😊

Happy Labour Day, and enjoy the long weekend.

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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. 💛