Q: mind to share why you accept that shared hold NOT under your CDP/name?
A: I am not transferring CDP to Maybank KE. Any shares I buy with DBS Vickers stays with CDP unless Maybank KE can give me free transfer (which they don't so won't transfer). Any additional shares I buy I will use Maybank KE. Reasons:
(i) Maybank KE buy/sell cost SGD10/transaction (not sure if they extend the promo next year). DBS Vickers to sell cost SGD25 (my 2nd issue. Buy at SGD10-18 but sell at SGD25) 
(ii) Need to contact DBS Vickers before selling (my main issue with DBS Vickers) or else selling cannot go through (as what they told me in their email)
(iii) I don't attend AGMs (too far and no money to go so frequently). So no CDP no problem. After all, if I really want to attend, just buy some shares with DBS Vickers and buy the remainder with Maybank KE. (eg buy 1000 shares using DBS Vickers, next round buy with Maybank KE). You can attend AGM too if you use Maybank KE. Just need to inform your broker/remisier.
(iv) With DBS Vickers, I cannot apply for rights issue (only SGreans can apply rights). They will auto sell my rights. With Maybank KE, can apply for rights   

Q: Why not Standard Chartered?
A: - Simple. They don't let me have their bank account. No bank account = no trading account as bank account is they said it's compulsory to open account first. Went to 3 branches in SG. All reject me. Only way to get the bank account:
(i) buy insurance investment from them
(ii) take loan
(iii) become priority customer

I gave up on getting their account

Also, they are not the cheapest for US. If you want to buy US ETF, be prepared for the 30% with holding tax. Only way to get around this tax is buy from ETF listed on London Stock Exchange which mirror the US counterpart. That way, only kena charge 15% tax. If you really want to buy US stocks, take a look at 8 securities, Based in HK with zero commission.

Q: Which would you advice if i were a small retail trader ($2000 max each trade)?
A: Anyone will do. If you prefer keep in CDP, DBS Vickers Cash Upfront. If you want cheaper, Maybank KE prefunded/Standard Chartered (if you can get account with them). For me I want cheaper as I am stingy with cost and since Maybank KE let be buy at SGD10/transaction until end of the year I wills stick with them after DBS Vickers promo expired in June as come July, DBS Vickers will charge SGD18/transaction. Next year, I am sure Maybank KE have SGD10 promo some more

For now, I stick with DBS Vickers until end of June. Come June, I will buy from Maybank KE.

Hope this answer your question.

They tole me need to contact them every time. Very strange.

Last week I went to Singapore to try to open a bank account there.

I am a Privilege Banking customer in UOB Bank Malaysia. Since I wanted to open a UOB bank account in Singapore, I requested for a reference letter from my UOB branch and they provided it to me, though they said that it's no guarantee that the UOB branch in Singapore will open an account for me as it's getting more strict in Singapore.

I went to the UOB branch in Orchard Road and the lady staff (for account opening) that initially attended to me asked me what is the purpose that I would like to open an account. I said that it's for investment purpose. She said that it's getting more strict in Singapore for foreigners to open a bank account. Then she said that she will refer me to another colleague who is in the investment department (at that point of time, a thought came to my mind that I shouldn't have said that the bank account is for investment purpose).

This other colleague of hers was also another lady. She tried to engage in some small talk and ask about my background. Then she tried to sell me on some kind of unit trust savings plan, that goes together with a savings account. The bad thing about this unit trust savings plan is that you have to put in a monthly sum for five years. You can only withdraw a partial sum before the end of the five years, so this means you will lose money if you withdraw before the end of the five years. And the minimum amount that the branch will apparently accept from a foreigner is S$1000 per month! Obviously I didn't agree with the unit trust savings plan and she wasted 40 minutes of my time. Before I left, I told her that I was disappointed.

Anyway, I haven't given up on opening a bank account in Singapore yet. I'll try again with two other UOB branches since I understand that not all branches are the same and some could possibly be more lenient than others.

As a note, please do not go and open an account with UOB branch in Orchard Road. Try other branches.

my maybank isavvy account opening process is finally completed, just received the security token via mail today.

if i want to start investing in unit trust or stock market, the best platform will be poems? i have read through the threads here it seems like this is the best option today. can any sifu advise?

Yeah,... same happening to me too,... in the documents sent to you, they asked fro your Tax Fine Number too, right ? Actually, we do not have to reveal this, especially if Msia has chosen not to sign anything with SG.

I am still wondering how does revealing our Tax File Number affect us ? LHDN does not tax on foreign investment income - this is for sure.

Can I purchase stocks through poems? I prefer to stick to one platform instead of multiple platforms which can be difficult to manage in the Long run.

In terms of the brokerage, what do you mean by pre funded? Means you purchase with cash in account?

No problem for people who already have account

Thanks bro

It has already been a known fact that Malaysians are not allowed to open an account in SG  if you dont have a work permit. 

Only if you can justify why you need an account there.

Ramjade

I have some questions to ask you, if you do not mind.

Can the trust balance of KE Trade Prefunded Account keep the distribution in USD?

For fund withdrawal of USD distribution, can we request Maybank KE to transfer the USD fund via EPS to Transferwise account (keeping the money as USD)? After all, the Maybank iSavvy savings account and CIMB Fastsaver account are denominated in SGD.

May i know why is it necessary to open a phillip account before opening a dbs account

As I don't work for CIMB I don't know if this is their policy. But I think some bank staff could be more easygoing. I would try more branches of CIMB if I were you.

AFAIK, only Maybank and CIMB offer this service without requiring you to join their premier banking (min RM 200k). Other forumers can correct me if I am wrong.

An European guy shared his experience about getting a SG bank account on another forum. He succeeded after making close to 10 trips to SG. He got the DBS account on his 3rd attempt. It's about how badly you want the account. If there's a will, there's a way.

With your Canadian passport and MY address, you stand a good chance to get the DBS account. My Malaysian friend who tried last year was given the cold shoulder. Only the Marina Bay branch would open account for nonresident. You have to ask for the DBS vickers account first. Ramjade would know more about this.

Instarem is fast to process?

Meanwhile I use CIMB SG to get instant credit to my CIMB MY. Rate is good too. 1-2 cents above other Banks par value.

Investmentmoat
ASSI
A path to forever financial freedom
And Many more
Claim no service charge but need to  check their exchange rate vs Transferwise.

Theorically yes. But haven't read the fine prints.

Nope. Why should I buy when I can use govt hospital service?

Some disease can be prevented. Diabetes, hypertension, kidney disease, heart and stroke are all preventable disease. Eat right (no junk food, ample fruits and veges), exercise every week (3-4x/week) don't smoke,  don't drink.

Unless you want 5 star hotel treatment different story. When you are poor live like poor people. When you are rich, continue living like poor people. When you are poor and plan to love like rich people than good luck. Money will always not be enough

AIA will insured 1.5M on yearly basis. u can check in the luxury hospital on monthly or perhaps weekly basis.

anyway, it is good to eat healthily, exercise and worklife balance too.

wow.. 1m education cost?