Which is a better, SAXO or TD Ameritrade for 20k - 30K SGD fund for Overseas Trading - USA, HK, ETFs?

If you need HK and US, then there's no decision to be made, TDA only serves US exchanges.

But for US exchanges, TD Ameritrade for sure.

1. Better comms

2. Better FX

3. No platform fee

4. Very nice desktop application

Downside of course is the rather low application time (I took about 5 months, but I know people who got theirs in 3). Not sure how SAXO compares tho.

If you are open to alternatives, I think Tiger Brokers is a better choice than SAXO and has access to US and HK markets. Tiger Brokers has:

1. Better comms than SAXO too

2. No platform fee

3. FX comparable to SAXO (iirc)

If you wish to open an account with them, do consider using my referral link:

https://www.tigersecurities.com/accounts?invite...

If you wish to trade frequently (10 trades a month), you can consider IBKR instead (my broker of choice).

Alternatively, if you wish to consider more brokers, you can check out my comparison article here!