My Investment Platform

Hello Everyone,

Covid-19 cases has been going up recently and I hope everyone is able to stay safe.

Today I would like to share the platforms I use for my investments.

Central Provident Fund (CPF)

As a Singapore resident, I have a compulsory saving/pension plan managed by the Singapore Government called the Central Provident Fund (CPF). A portion of my monthly salary is placed into CPF every month. On top of this, my employer has to contribute a portion called the employer contribution into CPF as well. Besides contribution from my salary, I do top up my CPF via the Retirement Sum Topping Up Scheme (RUTS). The RUTS grants me some tax relief.

Employee Stock Purchase Plan (ESPP)

I was working for a listed MNC previously which offered a Employee Stock Purchase Plan (ESPP). ESPP is actually a type of company benefit whereby employees can choose to enroll to purchase the company’s share at a discounted rate. How it usually work is that employees will set aside a portion such as 10% of their salary for a period of time for lets say 6 months. After the 6 months, the money that was set aside will be used to purchase the share at a discounted rate such as 15% off current market price.

There are benefits enrolling to ESPP such as being able to purchase shares at a discounted rate and stopping yourself from trying to time the market. Owning shares of the company you work in could motivate you to provide more value to the organisation. This is because you are also a part owner.

There are cons to ESPP such as tax incurred from the profit you made from the discounted share price. The company might not be performing well in the market so it might be better to invest your money elsewhere.

DBS digiPortfolio

DBS digiPortfolio is a Robo-Advisor managed by DBS Bank. I decided to try out Robot-Advisor as I was curious on how it works. How I decided on DBS digiPortfolio and not other providers is because of convenience. Back then, I did not have much time to compare the different Robo-Advisors and I have my spare cash in DBS bank account. I started 2 portfolios, one for the Asia market and one for the Global market and both set to the highest possible risk. As of today’s date, my portfolios are both positive, with the Global one outperforming the Asia one by around 2 times.

Interactive Brokers (IBKR)

Interactive Brokers (IBKR) is the broker I use to invest/trade stocks. I choose IBKR as it has one of the lowest fees. It is also able to trade in the stock markets I would trade stocks in. Most importantly, the Monetary Authority of Singapore has licensed and regulated IBKR. I do not really use other features such as being able to draw charts.


And these are the investment platforms I use for my investment.

Stay safe everyone 🙂


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