SQ Time to Fly Sale 2026

 

TL:DR Still some deals, but smaller selection of available flights compared to last year. For destinations with multiple flights a day, the sale is likely to be for the 'lousier' timing.

I mentioned that I have already bought my biz class ticket to Sydney earlier because there the price was lower than what I paid last year and I had no assurance that the Time to Fly sale price would be as good. I was correct. For the flight I had selected, the Time to Fly price was $700+ more!

However, I managed to get a biz class ticket to Melbourne at a good price. There wasn't much of a selection of cheap tickets, but the available discount dates suited my travel plans so that was good. It is red-eye both ways so I get to maximise my time in Melbourne and sleep on the plane.

There are also two UOB Krisflyer related promotions for the 'fastest registration first'. First 200 online redemptions gets $50 of Krispay miles (min purchase $1k) and first 1,000 online redemptions get 3,000 miles (min purchase $2k). I submitted my registrations in the afternoon and I will update whether I got anything.

How to Spend Money

 

I found a useful article and using this blogpost to remind me of the reference: "If money doesn't make you happy, then you probably aren't spending it right" , Journal of Consumer Psychology, April 2011.

This year, I have gone on 5 short overseas holidays to nearby destinations (Japan + Australia) so far with one more in November and one more in December. As I have mentioned, of the 7 trips this year, 5 were in economy, 1 was biz class redeemed with miles after I cleared a waitlist, and the final biz class I bought during a sale.

I find myself preferring this over few but longer holidays to further destinations like Europe/USA.

This article: "If money doesn't make you happy, then you probably aren't spending it right" in the Journal of Consumer Psychology uses the 'adaptation theory' to explain why

• It is better to spend money on experiences rather than things
• It is better to spend money on more 'small' experiences than fewer 'big' experiences.

The article explains that we adapt to things quickly. So having many 'new' but smaller experiences (eg: short holidays), will lead to greater overall happiness and satisfaction. For econs students this is probably a variant on diminishing marginal utility - you combat diminishing marginal utility by breaking up the consumption. A 10 day holiday will probably not make you twice as happy as a 5 day holiday (unless you hate flying and the fact that you have to fly twice causes great unhappiness).

Finally I am looking forward to SQ's Time to Fly sale starting next week. I plan to buy a couple of tickets though I need to manage my expectations because the miles redemption sale this month was worse than last year (15% discount instead of 20% discount) and who knows if the sale could be worse. That's why I already bought my biz class ticket to Sydney when it was on sale earlier, because the price dropped to lower than what I paid in 2025 and no guarantee that the Time to Fly sale will match that.

Experimental Unit Trust Portfolio: Month 6

 

I started an experimental unit trust portfolio to test out the strategy of blindly DCA low cost Amundi Unit Trusts every month no matter how high the stock market gets. In the last update, I shared that as stock markets climbed, my average buying price increased and percentage return dropped, though fortunately the profits in $ value increased.

This month, my average buying price continued to increase but interestingly the % return and $ return both increased. The most significant change appears to be Amundi Prime USA which is probably the main reason for increased % return.

Previous update:

https://buyaftercrash.blogspot.com/2026/09/experimental-unit-trust-update-2.html

Adding some Bond ETFs (YTM 6.2%)

 

With interest rates and Treasury yields hitting highs, my investment grade bond ETFs (LQDE & VDCP) have taken a hit, with iShares reporting a 4.47% YTD loss. However, the higher yields appear attractive as long as you believe that the US$:S$ will remain stable. iShares LQDE is reporting a weighted average YTM of 6.2%. 

My view is that it is good to diversify and not just hold everything in S$ assets. No one knows what will happen to Singapore in the future. US has been around for 250 years despite all its problems, so in all likelihood it will continue as a going concern in the future.  US is probably a good example of being 'antifragile', you can have problems in government but stock market still hits all time highs.

Dividends Collected: Sep 2026

 

On track for $20k monthly passive income this year.