Go Digital & Gift a SqSave Hongbao this “Niu” Year!

Feb 8, 2021

As we kick off the “Niu” Year of the Ox, SqSave invites you to go digital and gift a SqSave investment portfolio – instead of a cash Hongbao.

You can gift a SqSave investment with as little as ONE Dollar!

YES! SqSave investment portfolios start from ONE Dollar! SqSave is licenced by the Monetary Authority of Singapore (MAS) for digital advisory services. Note that the MAS has not reviewed this blog and you should make your own informed decisions.

Here’s proof of actual ONE Dollar portfolios…

I created two X ONE Dollar portfolios in May 2020 with risk set at:

(i) Conservative – Fig 1A

(ii) Very Aggressive – Fig 1B

The results?

✔ Conservative: +9% p.a.

✔ Very Aggressive: +19% p.a.

These are ONE Dollar portfolios. But you can invest much more to enjoy bigger returns.

You decide. We do the work.

Fig 1A
Conservative Portfolio

Fig 1B
Very Aggressive Portfolio

A digital SqSave investment instead of a Cash Hongbao…

Last Chinese New Year of the Rat, I gave my kids, nieces and nephews, and also to my friends’ children SqSave investments – instead of cash Hongbaos.

No need to queue up for new notes. Environmentally friendly too! No paper wastage. A gift for life. A learning opportunity for the kids about taking the longer view and investing. An alternative to low interest rates.

Rat Year SqSave Investment Hongbaos grew +11.2%

Fig 2A
Conservative Portfolio

I invested $20 for kids - instead of a cash Hongbao - for the New Year of the Rat on 27 Jan 2020.

On 27 Jan 2021, the $20 grew to $22.24.

That’s a one-year return of +11.2%!

Surely better than interest rates of ~0.2% p.a.?

The Covid-19 market crash happened on 14 Feb 2020. Yet, SqSave managed the downside well enough to squeeze +11.2% return in one year.

This “Niu” Year, I have a happy story to share with my kids, nieces, nephews and my friends’ children.

I will ask them, “do you want to withdraw or continue investing?”

Interesting to see what lessons they draw and what decisions they make.

Children have much longer life runways (“time horizon”) compared to working adults. They are best positioned to ride out investment volatility and earn good returns. So, a SqSave investment is a good alternative to a cash Hongbao.

This “Niu”Year, gift Smart Investing with SqSave!

Open a SqSave account. In your account, you can set up separate investment goals (portfolios). Set up a KidSave goal (as your CNY Hongbao) and label it using the name of the person you wish to invest for. And SqSave does the rest!

With SqSave, you can invest any amount, starting from ONE Dollar.

Start with SqSave and enjoy the advantages of Smart Investing!

Victor Lye BBM CFA CFP®
Founder & CEO, SqSave
PIVOT Fintech Pte. Ltd.

Note that the MAS has not reviewed this blog and you should make your own informed decisions.


The contents herein are intended for informational purposes only and do not constitute an offer to sell or the solicitation of any offer to buy or sell any securities to any person in any jurisdiction. No reliance should be placed on the information or opinions herein or accuracy or completeness, for any purpose whatsoever. No representation, warranty or undertaking, express or implied, is given as to the information or opinions herein or accuracy or completeness, and no liability is accepted as to the foregoing. Past performance is not necessarily indicative of future results. All investments carry risk and all investment decisions of an individual remain the responsibility of that individual. All investors are advised to fully understand all risks associated with any kind of investing they choose to do. Hypothetical or simulated performance is not indicative of future results. Unless specifically noted otherwise, all return examples provided in our websites and publications are based on hypothetical or simulated investing. We make no representations or warranties that any investor will, or is likely to, achieve profits similar to those shown, because hypothetical or simulated performance is not necessarily indicative of future results.

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