What is the best time to buy and sell bonds? Should I wait and hold onto my bonds until it matures or should I sell it whenever I see fit? Should I treat bonds the way I treat stocks? What should I familiarize myself with when it comes to buying and selling bonds? How does the bond market differ from stock market?
HSBC Personal Loan
For me nothing beats the 5% year-round cash rebates on dining, groceries, petrol and transport (that is taxis, ride hailing, trains and buses inclusive), locally and overseas when you spend minimum S$600 per month. And the cash rebate is capped at S$150 per month. So if you don’t drive, not to worry as you can enjoy 5% cash rebate for your transportation needs, be it a taxi ride, a booking made via ride hailing apps, or trains/buses.
HSBC Premier MasterCard / HSBC Bank Singapore
I like the idea that I can receive 40,000 Membership Rewards points when I get to successfully refer any of my friends to the card. Even more so as my friends can also receive 40,000 Membership Rewards points upon spend of S$5,000 in the first 3 months of their Card Membership. I think that is pretty much a win-win situation.
American Express Platinum Card / American Express International
In my opinion, this card is one of the best cards in the market especially as there are no expiry date to miles earned and an amazing 2 VIP airport lounge access. I love the fact that the card can be used for major big ticket items and to clock mileage. Redemption can be done easily without hassle and customer service staff are very helpful
Citi PremierMiles Visa Card / Citibank Singapore
If you are like me an HSBC Premier client and also a frequent traveller that can maximize the number of priority pass visits, limo and meet-and-assist services as well as your supplementary cardholders too, then this is the card for you. The reduced general mile earn rate is worth the trade-off for the unlimited priority pass memberships, as well as the high number of limo and meet-and-assist services that you can use.
HSBC VISA Infinite Credit Card / HSBC Bank Singapore
If you target to spend on major event tickets and high price items with the plan to split by instalment then this card is for you. However I notice that if you have an existing OCBC saving account, it makes bill payments much more seamless. And aside from being able to split payment into monthly instalments interest free, you can earn up to 1% rebate on your purchase. Only few cards in the market that allow auto convert spending into interest free instalment and still be entitled to 0.5% or 1% cash rebate.
OCBC Cashflo Credit Card / Oversea-Chinese Banking Corporation
So it is really convenient that I can get and use my card instantly when I apply via MyInfo. And the cards instant digital card that can be used for mobile wallets, online and mobile app purchases. Now aside from the same day physical credit card issuance for online applications you also get S$50 cash rebate upon approval with no minimum spend required. However that is only for new OCBC Credit Card applications.
OCBC Robinsons Group Credit Card / Oversea-Chinese Banking Corporation
No Name
Bond market is similar to the stock market however the bond market is a larger market. You bdon;t have to hold onto the bond until it matures before selling it. There are a few terms that you should know when buying and selling bonds. You should always be familiar with the market price. You should sell your bonds at a premium to earn from your bonds. There are times when you really have to sell your bond at a discount to avoid further loses however avoid it if it is avoidable.