It's only been 4 months since the start of the year. But if one were to reflect back, it seems like a roaring year with lots of significant changes affecting our personal financial options. Consider: Reduction of lot size for shares from 1000 to 100. So some of the high value shares become accessible. Changes to CPF. Interest rates to go up. Singapore Savings Bond. Comparatively risk-free bond for the conservative. Review of ETF (related: Navigating ETFs) so that more ETFs can be invested by entry level investors. Seems progressive.  ...