This morning, I received a notification email from FSMOne regarding my Rewards statement. Usually, I would have deleted such an email, but today I decided to take a look, and I was surprised to find that I had accumulated over 36,000 points!

Upon further investigation, I realized that beyond the usual points from transactions and birthday rewards, a significant portion came from referrals.

If you are one of those who signed up for an account using my link, I want to take this opportunity to thank you for your support.

I’ve decided to pay this forward by exchanging these reward points for charity donations.

If you are also an FSMOne user and have no immediate use for your points, do remember that you can donate them to charity through the rewards catalog as well.

Donating my Referral Rewards This Year

As I was writing this, an idea occurred to me: Why not donate all benefits received from referrals this year?

I don’t do a lot of referrals; I only share links for platforms I personally use and trust. While I’m not sure how much this will ultimately generate, I believe there’s no harm in trying.

If you are planning your year ahead and decide to use any of the following platforms, please consider using my links. I will be donating 100% of the benefits I receive from them in 2026.

Here is a brief description of the services I use:

FSMOne: My Main Brokerage

This is my default brokerage for buying and selling both Singapore and US stocks.

While it may not be the cheapest option in the market, the fees are reasonable given the provided features such as no custodian fees and free transfer of shares to CDP.

For those into ETFs, the flat fee of $3.80 is very attractive, especially for those practicing Dollar-Cost Averaging (DCA).

I also use their Auto-Sweep account, which is a user-friendly cash management solution with competitive interest rates

A great feature updated last year is the ability to use any of the three Auto-Sweep accounts (SGD, USD, or CNH) to fund stock purchases across different markets seamlessly.

Finally, as a shareholder of iFAST Corporation (SGX: AIY), I’m happy to support the company’s ecosystem.

StocksCafe: Tracking Returns and Dividends

I started using StocksCafe when I rebooted my portfolio in 2020.

To be upfront: I still maintain a separate Google Spreadsheet for specific insights, like identifying my top and bottom-performing stocks each year.

However, when it comes to computing returns over various periods, StocksCafe is far more accurate than my manual tracking.

It calculates XIRR (Extended Internal Rate of Return), which accounts for the timing and size of your capital movements. This provides a much more realistic picture of your personal performance compared to TWRR (Time-Weighted Rate of Return), which is typically used just for benchmarking.

You might also find their Screener function useful for narrowing down stock selections based on your own criteria.

Here’s my referral link to sign up.

Alternatively, keep an eye on their blog for promotions with partners like Moomoo or LongBridge. Last Christmas, I managed to secure a 3-year subscription renewal for free through a promotion, and even won an Awfully Chocolate gift set!

Keppel Electric

Keppel Electric is quite straightforward. I have enjoyed lower electricity tariffs ever since I switched to the Open Electricity Market five years ago.

Their sign-up offers remain competitive. If you use my referral link, we both receive a S$25 rebate on our bills.

Keeping it Transparent

Since this is a personal initiative, it really comes down to trust. I’m not a big organization, but I want to make sure every cent goes where I promised.

The plan is simple: at the end of the year, I’ll share a follow-up post with screenshots of the referral rewards and the donation receipts to show the final impact we made together.

Thanks for helping me turn these points into something meaningful!

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