Meet Chloe, who has a keen eye for smart investments and a passion for financial education, has built a thriving TikTok community of over 200,000 followers. She shares valuable insights on investing on her popular TikTok channel, Arigato Investor.

As an avid investor herself, she simplifies complex financial concepts, helping her audience navigate the world of stocks, options, and wealth-building strategies. Through her engaging content, Chloe empowers individuals to take control of their finances and make informed investment decisions.

What initially sparked your interest in investing, and how did you build your expertise over the past decade?

When I first started, I was still a journalist. That was back in 2015. I had been working for about a year, but there was no substantial increment in my income. That was when I started asking myself, ‘Is this the only way I can generate money?’

One of my friends sensed that I was feeling uncertain about my future, so he gave me a ticket to attend a value investing event. Through that event, I got the opportunity to join a program, and that sparked the momentum for my learning journey in investing, which has lasted for the past 10 years.

As for how I built my expertise—sometimes, even after attending different programs, you don’t immediately implement what you’ve learned, or you may interpret things differently from how they should be applied. I struggled initially as well. I attended many different programs, including value investing and trading, and I explored various strategies.

I made a lot of mistakes and lost a lot of money. Eventually, I realised that when it comes to investing, the most important thing is finding a strategy or style that suits your own character. Once you find that style and stay consistent, that’s when investment returns will come—because you’re doing something that truly suits you rather than taking unnecessary risks that don’t match your risk appetite.

How do you balance your role as an investor and a content creator, mainly on your TikTok channel?

For me, these two roles actually complement each other. When it comes to investing, ideally, you don’t spend too much time constantly buying and selling because that leads to unnecessary emotions and errors. To me, being peaceful and relaxed is important in investing.

On the other hand, content creation is where my energy and creativity come in. I have the freedom to do what I truly enjoy, and I can dedicate more time to it because investing doesn’t require me to be actively involved every day. Instead of constantly thinking about the market, I use my free time for content creation.

What inspired you to start sharing financial and investment advice on TikTok?

Back then, I was working as a full-time trainer at my previous company, Next Level, and the founder, Sean, was a big inspiration to me. He started his own TikTok channel, and I saw him gaining traction and growth. At that time, I didn’t see myself growing in that space.

However, I truly enjoyed content creation. Sean encouraged me, saying, ‘Why don’t you create content on your own? Study some successful content creators, model after them, and start producing content.’ So I took his advice, and over time, I started seeing traction. Later, I attended the Next Summit in Dubai, which was one of the first major events after COVID.

There, I met many great content creators, including Erika Kullberg, who now has over 10 million followers on TikTok. She shared valuable tips during the conference, and I started implementing them. One of her key insights was about using role-play content. That got me thinking—’How can I incorporate role-play into investing topics?’ That was how my channel started taking off.

Many people think that investing requires a lot of money to start, or that you need to be good at math or have a financial background. That’s not true.

With over 200,000 followers, what type of content resonates the most with your audience?

The majority of my 200K followers come from my role-play videos. Especially on TikTok, people enjoy being entertained, so I make my content engaging while still being educational. In my videos, I usually feature two characters: A and B. They discuss struggles or problems, and B provides a solution.

This format makes the content more engaging. One of my role-play videos on options trading went viral, hitting 3 million views. I wrote the script myself, and I was quite surprised at how well it performed.

How do you ensure your investment advice remains both accurate and engaging for social media?

In terms of accuracy, no information is 100% correct all the time. Some information may become outdated. Apart from discussing trending topics—such as an analysis of NVIDIA stock—I focus on historical trends that have stood the test of time.

For example, I prefer sharing content on index funds, which have been proven to perform well over decades. This kind of advice remains valuable regardless of short-term market fluctuations. As for engagement, role-play videos play a huge part.

They allow me to incorporate timeless financial concepts—like money management, planning for the future, and general investment principles—into entertaining content that people can relate to.

What are some of the biggest misconceptions about investing that you aim to debunk through your TikTok content?

Many people think that investing requires a lot of money to start, or that you need to be good at math or have a financial background. That’s not true. Personally, I don’t come from a finance background. I only started learning about investing after graduating from university. And my math skills aren’t great—I sometimes struggle with simple calculations!

While being quick with numbers can be an advantage, Warren Buffett himself has said that intelligence is overrated in investing. What truly matters is emotional stability and a long-term mindset. If you consistently compound your wealth over time, you don’t need to be a genius to see results.

A story that inspires me is that of Ronald Read, a janitor in the U.S. Nobody knew who he was until he passed away at 90. When he died, it was revealed that he had over $8 million in his account and had donated $6 million to charity.

He accumulated that wealth simply by consistently investing in blue-chip stocks over decades. This proves that you don’t need a high income to become a millionaire—you just need patience and discipline.

Can you share a success story from your investing journey?

For me, success came from finding a system that truly works for me. There are many ways to make money—some people are good at trading, while others excel at stock picking. I realised that the strategy that suits me best is investing in ETFs and index funds, which I know will grow over the long term.

I also use options to enhance my returns without taking excessive risks. Over the past four years, my portfolio has gained stability, and I’ve surpassed the $1 million mark. But this wasn’t an overnight success—it took me 10 years. In the beginning, I struggled, lost money, and faced setbacks before finding a strategy that worked for me. The key is to adopt a sustainable strategy and let time do the magic.

Where do you see yourself, and what’s your vision for Singapore in the next five years?

I want to double down on my social media presence. Hopefully, by then, I’ll have a million followers and be able to inspire more people around the world to see investing as something simple and accessible.

I’m also considering the idea of living in another country for a while—not because I don’t love Singapore, but because I want to experience different ways of life. Migration could give me a new perspective, and it would help me decide whether Singapore is where I ultimately want to retire.

I think Singapore is an amazing country. My dad is Singaporean, and my mom is from Guangzhou, China. I spent my early years in Guangzhou because my dad was working there, and I only moved to Singapore when I was 15.

Initially, I struggled to adapt, but over the past 15 years, I’ve grown to appreciate the country. Singapore’s government is transparent and well-managed. While challenges will always exist, I believe the country will continue to thrive as long as its people remain united.

Connect with Chloe: ArigatoInvestor, TikTok and YouTube.