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Investments

Stocks Discussion

Endowus

Online Brokerages

Robo-Advisors

What to look at when choosing funds?
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
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Investments

ETF

Unit Trust

What are some good ETFs and Funds to look into?
What to avoid, here https://seedly.sg/questions/what-is-your-general-investing-philosophy-strategy
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Investments

Learning To Invest

It is important to get started, but how do we navigate through the dizzying array of financial terms?

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3 more comments

Andy Chan
Andy Chan

18h ago

Thanks Shania!
Weisheng Lim
Weisheng Lim

12h ago

This is a very good read and I love how you've collated lots of useful resources all in one post to get newbie investors started!
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SeedlyTV S2E08

CPF IS

CPF SA

CPF

Interest Rates

Investments

Savings

Is there accrued interest if I use the amount inside OA/SA for CPF IS, just like how I use the amount to pay for housing?
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.
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HDB BTO

CPF

Retirement

Savings

Investments

SeedlySOS

Are there any disadvantages or penalties for clearing hdb loan fast? (Eg 5yrs)?
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.
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Savings

Investments

Retirement

CPF

If I have excess cash to redeem whole of my hdb housing loan (after setting aside >1yr worth of emergency funds)..should I do it? Or any other better alternatives to grow the money? Any thoughts?
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
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CPF

Retirement

HDB BTO

Investments

HDB Resale

Property

Savings

If we use our CPF OA to pay for our flat, and at age 65/70, we are still able to meet BRS/FRS, does NOT refunding the amount used and accrued interest affect our lifetime payout in any way?
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)
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Investments

Savings

CPF

Stocks Discussion

Retirement

Lifestyle

Why Are Many Singaporeans Still Poor – Despite Working Hard And Saving Diligently?

You either make money work for you, or you will work for money your whole life

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Stocks Discussion

Investments

Personal Finance 101

How much diversification is enough for stocks?
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.
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