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Ask for opinions and get answers from other Singaporeans.

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Unanswered

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Career

Financial Planners

[Help] NUS Double degree programme with full scholarship v.s. top U.K. university self-funded?
Many ways to gain overseas exposure. I studied locally and then worked overseas in my 20s and I think that's more solid exposure in terms of being immersed in overseas market and working culture. Also more valuable in the eyes of employers.
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Investments

STI ETF

Need some enlighten on my STI ETF Nikko AM?
M

Min

Level 5. Genius

Answered 3h ago

What is your investment horizon? The market moves in cycles. Down now does not mean down forever. If you DCA, times like these are good in bringing your average price down. Does it align with your investment goals? If you think another fund or index can perform better from now onwards, you can consider liquidating and buying into a different fund. But to hold as cash? Not so good idea. It is best if you have holding power during times like this.
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Shopping

COVID-19

Lifestyle

Devastated to hear that Robinsons will no longer be in Singapore... I shop there often with my family and sad to hear another company that can outlive COVID-19. Anyone here sad to hear this news?
M

Min

Level 5. Genius

Answered 4h ago

Department store like robinson are a dying breed Now a days brands have their own stores, boutiques, sell online, offer customise services. Why shop at Robinson when I can get it delivered for free to my house with free returns? Tangs Robinson metro bhg all 3 I have not buy from them in many years. They will die a slow and painful death
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Undergraduate

Education

Personal Finance 101

As a student with no financial stability, is it possible to grow our money? How do we do that?
M

Min

Level 5. Genius

Answered 4h ago

No financial stability means you need to set aside emergency savings first. Then settle your insurance coverage. Once you start earning money you can plan your spending saving and investments I suggest you hold back on investment, the amount is too small anyway. You will see better returns by investing in yourself and your education
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General

Lifestyle

Does anyone have tips for buying big-ticket items? What to consider, what to look out for?
M

Min

Level 5. Genius

Answered 4h ago

1. If you can, wait for sales like 11.11 2. If you can buy in person, most likely can negotiate to a price lower than online pricing. Some even throw in freebie like extended warranty 3. Maximize credit card rewards. Cashback or miles, choose your poison. You can use it to achieve card sign up spending bonus. 4. Go for trusted, reliable brands. Dont always need all the new features. Check online review sites, even if model not same, brand quality usually same across same price range.
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Investments

Stocks Discussion

Personal Finance 101

Hi everyone, I'm a beginner here so please don't mind my question. What are investments and why is it important to invest?
Beat inflation, not suffer during retirement are good enough reasons to start! Imperative to note that salary curve will eventually go down or stagnate after hitting 40-50. Can't expect to have a 20-30% salary increase by then, and hopping around jobs like 20-30s'. And to keep you inspired, my favorite quote from Warren Buffet - “If you don't find a way to make money while you sleep, you will work until you die."
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Lifestyle

Are you using Brave browser to obtain cashouts?
M

Min

Level 5. Genius

Answered 4h ago

I stopped using Brave after they were exposed hijacking normal links into referral links. They lost my trust and I won't ever use them again The tokens are not even worth much anyway, better to use Shop Back for your online purchases
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Investments

Stocks Discussion

ETF

Hi, any thoughts on this portfolio for the next 20 years. Not adding new stocks or ETFs, just growing these: DIS AAPL MSFT V NEE JNJ PG HD LMT SCHD ARKF ARKK ARKG?
OPINION: To invest passively and want to outperform index with no time to research i would just buy the Top 5 holding of the S&P500 and weight my capital exactly the same as it The entire market movement is according to those top 5. i just concentrate my $$$ on MSFT , AAPL , GOOG , AMZN , FB. For Max growth.
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Lifestyle

Razer Card

Debit Cards

Rebates

Gaming

FinTech

Will Razer be our new Best Companion?

If you think that because "I am not a Gamer = Not interested, NEXT PLEASE", you might be wrong if you do that!

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2 more comments

Yeam Cheng Wee
Yeam Cheng Wee

1d ago

Wow that's really smart changing your referral code to RAZER1
Judith Goh
Judith Goh

1d ago

Free welcome bonus for those who use my referral code eZjlC1 to sign up !
Post

Entrepreneurship

Lifestyle

Career

I would like to open an online bridal gown boutique however I have zero experience in business. Can I run on my own or do I need a partner? Thanks.?
Partner with someone who can contribute meaningfully to the business like digital marketing or technical bridal gown expertise. This will accelerate growth and avoid costly mistakes
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