Investments

No, U.S. election results do not have lasting effect. stretch it to 4 x 10000 quarterly. start in 5 weeks.

For ETFs: total expense ratio, assets under management, physical replication . for unit trusts/mutual funds: avoid them https://seedly.sg/questions/what-is-your-general-investing-philosophy-strategy

What to avoid, here https://seedly.sg/questions/what-is-your-general-investing-philosophy-strategy

Hi anon, Accrued interest is only for housing, it does not apply to investments made under CPF IS. Your investment proceeds will be returned to your OA/SA when you sell off and you don't have to make up for anything.

No penalties. The "disadvantage" is that you are locking your money into your flat very quickly when you could have drawn more value out of it via investments and/or top-ups to CPF SA. The advantage will be a peace of mind. Before you clear your loan quickly, please verify that you will not have any other more expensive loans in the near future (e.g. credit card loan, car loan, personal loan, etc). Also, when your loan is still ongoing, always ensure you have at least x months (where x is usually 6) of monthly instalments ready in your bank account or CPF.

Depending on your income tax bracket and risk appetite, you may consider the following: 1. Top up CPF Medisave voluntarily. Check the terms & conditions. Cannot top-up if Medisave is already at BHS or mandatory CPF contributions already hit the annual contribution limit of approx $37,740. 2. Top up CPF SA via RSTU. Tax relief up to $7,000 when topping own CPF SA and another $7,000 when you top-up across family members. 3. Contribute to SRS and invest the monies via DIY, robo-advisors, unit trusts, etc. Tax relief up to $15,300. 4. Other financial products which help with retirement and/or future financial goals

If you sell your property before age 55, you have to 'return' your CPF account the principal used as well as the accured interest. If you sell your property after age 55, you only need to have full retirement sum in your SA n you can withdraw all balance in cash. If you didn't sell your property, you only need to have BRS n you are free to withdraw all cpf money. (MA can't lah)

Hi! If im not wrong, the ideal number is 30. However, it must be 30 different stocks spread across different industries (Eg 1 Apple 1 JP Morgan 1 Mac). I think you can consider stocks from different countries as divisification because the stock is not exposed to just one market. Ultimately, it depends on your style of investing and what you like. Are you a REITs type of person? (diversify across the different reits), or Growth? (Tech stocks and Tesla) or depends on the company (you understand the business and the company has good moat) Then again Warren Buffett said that the average investor should just invest in ETFs that tracks the market if we dont know about investing.