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2026 Financial Reset: 5 Smart Money Moves Every Singaporean Should Start Now

2026 Financial Reset: 5 Smart Money Moves Every Singaporean Should Start Now

👋 Hello there, and Happy 2026!

January always brings a certain energy — gyms are full 🏋️‍♂️, planners are pristine 📒, and green juices suddenly become everyone’s best friend 🥬.

But when it comes to finances? Most people whisper… “I’ll settle it soon lah.”

If that sounds familiar, you’re in good company.

To help you start the year strong (and stress‑free), here are five practical, very Singaporean money moves to reset your financial life — without giving up all your small joys.

💡 1. Do a Budget Reset — Not a Financial Detox

Extreme budgeting is like extreme dieting — works for two weeks, then mala wins 🌶️😂.

A reset is gentler and more sustainable.

Try this:

  • Review last year’s spending
  • Identify “wah, didn’t realise I spent so much” categories
  • Make small, intentional tweaks

Tiny shifts → big long‑term impact.

❤️ 2. Show Your CPF Some Love

CPF is the quiet overachiever in your financial life.

It compounds steadily, gives you tax relief, and never ghosts you.

This month:

  • Check your balances
  • Consider SA or MediSave top-ups
  • Align CPF with your retirement timeline

Your future self will thank you.

📱 3. Review Your Insurance Like You Review Your Phone Plan

We compare telco promos every year…

But keep the same insurance plan from 2018 and hope for the best.

A quick review can:

  • Close protection gaps
  • Reduce unnecessary premiums
  • Align coverage with your life stage

Your peace of mind deserves an upgrade too.

📊 4. Give Your Portfolio a Proper Health Check

Markets move — sometimes dramatically.

If your portfolio hasn’t been reviewed in a while, it may be drifting away from your goals.

A portfolio check helps you:

  • Rebalance risk
  • Realign with your objectives
  • Stay calm during market swings

Think of it as a financial chiropractic adjustment.

🏆 5. Don’t Sleep on SRS — The Underrated MVP

SRS is the quiet hero of tax planning.

Tax savings + long-term investing = a very solid combo.

Starting early means:

  • More time in the market
  • Less year-end panic
  • Smoother tax planning

Your December self will be grateful.

🎯 Final Thoughts: A Reset Isn’t About Perfection — It’s About Direction

You don’t need a full overhaul to have a great financial year.

You just need clarity, consistency, and the next right step.

If you’re planning your own 2026 financial reset and want a sounding board, I’m here to help you turn your goals into a plan that feels achievable — and sustainable.

Here’s to smarter choices, stronger foundations, and fewer “aiya, should have done earlier” moments in 2026 🚀✨

Important: The information and opinions in this article are for general information purposes only. They should not be relied on as professional financial advice. Readers should seek unbiased financial advice that is customised to their specific financial objectives, situations & needs. This advertisement or publication has not been reviewed by the Monetary Authority of Singapore.

Published By:

Lisa Ling 林惠萍

As a wealth management coach, I’m passionate about helping people achieve the financial stability and freedom they deserve. After more than two decades in the finance industry, I left my Private Banking career to pursue a new opportunity as a Senior Financial Advisory Manager at Financial Alliance. I specialized in creating personalized insurance and investment strategies tailored to each clients’ individual needs. 

I take pride in being able to provide customers with tailored solutions that best fit their needs. (Refer to my clients testimonials on their experiences) My main aim is to make sure my clients are provided with the tools they need to achieve financial independence and success with confidence.

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In compliance with the Personal Data Protection Act, Financial Alliance Pte Ltd (“FAPL”) seek your consent to collect and use your personal data (e.g. name, NRIC, contact numbers, mailing addresses, email addresses and photograph) for the purposes of and in accordance with FAPL’s Data Protection Policy, which can be found on FAPL’s website at https://fa.com.sg/data-protection-policy/.

根据《个人数据保护法》，鑫盟理财私人有限公司征求您的同意向您收集并使用您的个人信息。鑫盟理财将根据公司的个人数据保护政策所阐述的用途使用您的个人资料（例如姓名，证件号码，联系电话，邮寄地址，电邮地址和照片）。 该政策可在本公司网站上查寻，网址为 https://fa.com.sg/data-protection-policy/.

By submitting this form, you are deemed to have read and understood FAPL’s Personal Data Policy.

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  • 我已阅读并理解鑫盟理财私人有限公司的个人数据保护政策，并同意鑫盟理财私人有限公司根据个人数据保护政策所阐述的用途使用我的个人资料。
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  • 鑫盟理财私人有限公司的代表或员工并未直接与我联系或提出要约或招揽购买我原居住国境内所不提供的任何金融产品.
  • Financial Alliance Pte Ltd ( “FAPL”) is licensed by the Monetary Authority of Singapore (“MAS”) and allowed to conduct financial advisory activities in accordance with the Financial Advisers Act (Cap. 110) (“FAA”) and the Securities & Futures Act (Cap. 289) (“SFA”) within the jurisdiction of the Republic of Singapore and in accordance with the licenses granted by MAS
  • 鑫盟理财私人有限公司( “鑫盟理财”)持有由新加坡金融管理局(“MAS”)所颁发的牌照，并许可在新加坡共和国境内依据财务顾问法（第110章）和证券与期货交易法（第289章）进行财务咨询等相关业务
  • Any services provided by FAPL to persons not ordinarily resident in Singapore are provided solely on an offshore basis from Singapore, resulting from direct enquiry on the part of the foreign residents.
  • 鑫盟理财为非新加坡居民所提供的任何服务仅限于直接向鑫盟理财发出咨询请求的国外居民。
  • As an integral part of the provision of such services, FAPL may from time to time make available to such residents, documents and information making reference to capital markets products (for example, in connection with the provision of fund management or investment advisory services outside of the foreign jurisdiction).
  • 作为提供此类服务的一部分，鑫盟理财会不时向此类咨询者提供有关产品的参考文件和信息（例如，关于海外司法管辖区以外的资金管理或投资咨询服务等信息）。
  • Such documents and information are provided by Financial Alliance Pte Ltd (“FAPL”) is for general information only and is not intended for anyone other than the recipient.
  • 此类由鑫盟理财所提供的文件和信息仅供收件人做一般信息参考。
  • It does not take into account the specific investment objectives, financial situation or particular needs of any particular person.
  • 此类文件和信息不会把-个人投资目标，财务状况或其特定需求等考虑在内。
  • It does not constitute the making available of, or an offer or solicitation by FAPL to buy or sell or subscribe for any such capital markets product or to enter into a transaction or to participate in any particular trading or investment strategy nor an advice or a recommendation with respect to such financial products.
  • 鑫盟理财向该人士提供此类文件和信息将不构成要约或招揽购买或出售或认购任何此类资本市场产品，或达成交易或参与任何特定的投资策略，也不构成有关此类金融产品的建议或推荐。
  • These documents may not be published, circulated, reproduced or distributed in whole or in part to any other person without FAPL’s prior written consent.
  • 未经鑫盟理财的事先书面同意，不得将这些文件全文或部分发布，传播，复制或分发给其他人。
  • This document is not intended for distribution to, publication or use by any person in any jurisdiction, where such distribution, publication or use would be contrary to applicable law or would subject FAPL and its related corporations, connected persons, associated persons and/or affiliates to any registration, licensing or other requirements within such jurisdiction.
  • 鑫盟理财无意在分发，出版或使用此类文件可能违反当地法律，或本公司及关联公司或关联人士需要注册，获得许可或符合规定的司法权区向当地人士分发、出版此类文件或供其使用。
  • You shall ensure that you have and will continue to be fully compliant with all applicable laws in your home country when entering into discussion or contracts with FAPL.
  • 在与鑫盟理财进行讨论或签订合约时，您应确保您已完全遵守并将继续遵守您所在原居住国的所有适用法律及条规。

In compliance with the Personal Data Protection Act, Financial Alliance Pte Ltd (“FAPL”) seek your consent to collect and use your personal data (e.g. name, NRIC, contact numbers, mailing addresses, email addresses and photograph) for the purposes of and in accordance with FAPL’s Data Protection Policy, which can be found on FAPL’s website at https://fa.com.sg/data-protection-policy/.

根据《个人数据保护法》，鑫盟理财私人有限公司征求您的同意向您收集并使用您的个人信息。鑫盟理财将根据公司的个人数据保护政策所阐述的用途使用您的个人资料（例如姓名，证件号码，联系电话，邮寄地址，电邮地址和照片）。 该政策可在本公司网站上查寻，网址为 https://fa.com.sg/data-protection-policy/.

By submitting this form, you are deemed to have read and understood FAPL’s Personal Data Policy.

提交此表格，即表示您已阅读并理解鑫盟理财私人有限公司的个人数据政策