The free scorecard tells you which leak categories may apply to your portfolio.
The audit toolkit gives you the structured framework to go deeper on the three leaks most Singapore investors encounter first — idle cash, broker fees, and FX spreads — and to calculate what they may actually be costing you, in SGD, based on your own numbers.
This is not financial advice. It is a structured educational framework that helps you ask the right questions about your own portfolio — and understand the answers.
What is inside — V0 Early Access
The early access release includes:
Master Audit Guide — An overview of the audit framework: how to use the worksheets, how to read your results, and what to do with what you find. Covers the methodology behind the six-leak framework and the order in which to approach the audit.
Idle Cash Worksheet — A structured review of your current cash placement across settlement accounts and savings accounts. Includes a framework for categorising your cash by liquidity need, identifying where the gap between current return and available alternatives may exist, and calculating an estimate of annual drag in SGD.
Broker Fee Worksheet — A step-by-step framework to calculate your total annual brokerage cost — commissions, platform fees, custody charges — based on your actual trading frequency and portfolio size. Includes a worked example and a calculation template.
FX Spread Worksheet — A framework for estimating the annual cost of FX conversion based on your current broker's spread and your trading pattern. Includes an explanation of how to find the spread your broker applies and how to compare it to the mid-market rate.
SGD Calculator Spreadsheet — A simple spreadsheet (compatible with Excel and Google Sheets) with pre-built templates for the three worksheets above. Enter your own numbers; the calculations are done for you.
What this toolkit is not
This toolkit is general educational content. It does not tell you which broker to choose, which ETF to buy, or what to do with your money. Every conclusion you draw and every decision you make is yours.
The toolkit helps you understand your current setup and the potential size of common structural drags. What you do with that understanding is entirely your decision.
Early access price and timing
Early access price: S$37
This is the V0 release — three leak categories, not all six. The full six-category toolkit (V1) will be released later at a higher price. Early access buyers will receive V1 at a discounted upgrade price.
No payment now. Join the waitlist to be notified first when the toolkit is ready, with the exact payment link.
[WAITLIST SUBSCRIBE FORM GOES HERE]
General educational content only. Not financial advice. No affiliate links. No product commissions. Built specifically for Singapore retail investors.