RTS Link Opens Soon. Is Your Money Ready for a More Connected Singapore–Malaysia Life?

The upcoming RTS Link is a timely reminder of how much closer Singapore and Johor are becoming. Targeted to open by the end of 2026, the line will connect Woodlands North and Bukit Chagar, with a train journey of about five minutes station-to-station and immigration clearance completed before boarding.

Not Just About Travel

But cross-border living is not just about travel. It is also about how you manage your money.

Some people convert and send money home as soon as their salary is paid. Others keep most of their savings in Singapore, but leave the unused portion sitting idle after bills and expenses are settled.

Either way, there is a simple question worth asking: how much of your SGD salary should be spent, sent home, saved, or invested?

What Investing in Singapore Can Actually Look Like

Investing in Singapore does not have to mean taking big risks or picking stocks. You can start with cash solutions, automate small regular investments, consider bonds or unit trusts for longer-term goals, or access global stocks and ETFs if you are comfortable with more market risk.

Choosing the Right Singapore Investment Platform

Since the income itself is earned in Singapore, it’s a natural fit to manage it through a Singapore investment platform, somewhere MAS-regulated that sits in the same financial environment as the job itself.

With FSM Global, you can hold your SGD where it’s earned, and choose from cash solutions, auto-invest tools, bonds, and more for the portion of your salary that you’re not using right away.

·         Multi-Currency Cash Account: Access 12 major currencies in one place, safe and secure, earning attractive interest while you wait for your next trade

·         Auto-Sweep Account: A cash management solution FSM manages on a discretionary basis, automatically investing into cash, money market funds, and short-duration bond funds for a higher indicative yield than the Cash Account alone

·         Global Stocks: Access to major global markets, with a low flat fee of S$8.80 for SGX trades

·         Unit Trusts/Mutual Funds: Permanent 0% sales charge, no platform fee

·         Bonds: Your #1 gateway to over 1,791 retail/wholesale, Singapore Government Bonds, new issues, and bond ideas powered by Bondsupermart

·         ETF Flat Fee: Enjoy a flat fee of just S$3.80 / US$3.80 / HK$38, regardless of trade size when you invest in ETFs

·         Regular Savings Plan: Start from as little as S$50/month, with no lock-in and 0% fees

Getting started

Click here to open an FSM Global SG account.

Not sure how to start?

Click here to find out how to transfer foreign currencies to FSM Global.

Get complimentary investment advice from our Investment Advisory Team.

Or get in contact with us via email, call or live chat.

Ringgit Deposits and Withdrawal

Did you know you can also deposit and withdraw Ringgit for free, from your Malaysia bank account to your FSM Global account?

Simply use DuitNow to transfer Ringgit seamlessly and for free to FSM Global.

Interested in investing in the US, HK, or SG markets? Our FX conversion feature can convert Ringgit to USD, HKD, and SGD respectively.

About FSM Global

FSM Global is the business-to-consumer platform of iFAST Corporation Ltd., a fintech company listed on the Singapore Exchange. Founded in 2000, FSM Global has spent over 25 years helping investors invest globally and profitably, and is now trusted by investors across more than 100 markets worldwide.

The platform offers a comprehensive range of products for first-time investors and seasoned professionals alike, backed by competitive, transparent pricing — including low flat fees on ETFs and zero sales charge on unit trusts — all supported by a long-standing, committed presence in Singapore's financial sector.

Investors outside of Singapore can open an FSM Global account fully online. To do so, you will need to provide essential personal information and identity verification documents, including a valid passport.