How To Stay In A Streamline Position While Breathing

Make sure to start the next stroke when your leading hand is fully extended in front

 

How to use your lats when you swim

Why U.S. ETFs may be costing you more than you think—and how to fix it

Great article from The Fifth Person
https://fifthperson.com/us-etfs-costing-you-how-to-fix-it/?utm_source=newsletter&utm_medium=email&utm_campaign=weekly-newsletters&utm_content=us-etfs-costing-you-how-to-fix-it&he=slimth00%40yahoo.com.sg&el=email&inf_contact_key=45eb9633473f98eb7cf8bfaefb1b4256680f8914173f9191b1c0223e68310bb1

Freestyle Arm position

 

To better and smoother Freestyle

Only Singaporeans get it "SPDR S&P 500 ETF Trust (SGX:S27)"

 Good write up from 

Summary of the key points from the  article:

1. Many Singaporeans invest in the S&P 500 via SPY or VOO ETFs listed in the US, unaware of better options locally.
2. Investing in US-listed ETFs exposes Singaporeans to additional costs: custodian fees, dividend withholding tax (30%), and US estate taxes.
3. CSPX (UCITS) offers tax advantages but still incurs custodian fees.
4. Robo-advisors like EndowUs offer access to the S&P 500 using CPF/SRS, but fees can add up.
5. SGX-listed SPDR S&P 500 ETF (S27) avoids custodian fees and allows SRS and CDP investing.

          https://stockanalysis.com/quote/sgx/S27/holdings/