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Don’t let your Ang Bao money💸disappear! Here’s how to invest it wisely for long-term 🚀💰financial gains.
Asian Amos
Edited 13d ago
Business Associate at Investment Networking Club
Juz yesterday my cousin won some money, enough to treat himself to a buffet!
How about you?
WHAT TO DO after (you collected money just by) wishing others well??
🧧 CNY Ang Bao = Instant Wealth💰 Boost! But Don’t Waste It...
Chinese New Year comes with family reunions, pineapple tarts, and... a fresh cash injection from Ang Baos! 🏮🎊
For many, it’s EASY to spend it all on shopping, dining, or CNY gambling.
But what if you made your Ang Bao money work for you instead? 💰💡
🚀 Here’s how to turn your festive windfall into real wealth—without feeling deprived!
💡 Ask yourself: ✅ Do I want to save, invest, or spend this money? ✅ How much should I allocate to each? ✅ What financial goal can this money help me achieve?
🎯 The 40-30-20-10 Ang Bao Rule:
40% Invest – Grow your wealth 📈 🎉 for a big-ticket item
30% Enjoy – Spend guilt-free on something MEANINGFUL 🛍️ 🏦
20% Save – Emergency fund or fulfill your short-term goal
10% Donate – Give away a small sum to any organization of your choice! From experience, your mood of the day just shifts! 💡
Disclaimer: saying from experience ahh BUT only if you are willing to give..)
🔥 Pro Tip: Open a separate account for investing Ang Bao money so it doesn’t get spent impulsively.
GIF Idea: Someone receiving Ang Bao, then immediately depositing it into their investment app.
Instead of letting it sit idle, make your money work for you! Here are some beginner-friendly investment options:
🔹 Risk Level: Super safe ✅
🔹 Return: ~3% p.a. (depending on issue) 📈
🔹 Lock-in Period: Flexible, withdraw anytime
✅ Best for: First-time investors who want risk-free passive income.
💡 How to Buy: Apply through DBS/POSB, OCBC, or UOB internet banking.
Source: giphy
Not a finance expert? Let an algorithm do the work! 🤖💰
🔹 Platforms: Syfe, StashAway, Endowus
🔹 Risk Level: Customizable (low to high)
🔹 Ideal For: Busy individuals who want auto-investing with low fees.
🔥 Pro Tip: Start with $100–$500 Ang Bao money and dollar-cost average monthly ESPECIALLY if you are new in the game or just plain unsure
Don’t want to pick individual stocks?
Buy ETFs instead!
Popular SG ETFs: 📈 STI ETF (SGX: ES3) – Singapore’s top 30 companies 🌎 Vanguard S&P 500 ETF (VOO) – U.S. market growth
✅ Best for: Long-term growth with diversification.
💡 How to Buy: Use a brokerage like Moomoo, Tiger Brokers, or FSMOne.
Want to invest in real estate without buying a condo? 🏢
REITs in SG: 🏬 CapitaLand Integrated Commercial Trust (CICT) – Shopping malls and🏥 Parkway Life REIT – Healthcare properties
Best for: Passive income through dividends (paid quarterly).
Source: giphy
Not exciting, but your good old CPF SA earns 4%+ interest! #ahgongmoney
✅ Best for: Those planning for retirement or home down payment.
🔥 Bonus: Get up to $8,000 tax relief if you top up CPF SA.
GIF Idea: A money bag labeled "CPF" getting bigger over time.
❌ Blow it all on impulse purchases – That new iPhone can wait! 📱💸
❌ Bet it aLL on 4D or crypto – High risk = high regret. 🎲🚨
❌ Lend it without clear repayment terms – Family/friends might "forget." 😬
🔥 Smart alternative: If you REALLY want to spend, consider 30% max for fun!
Source: giphy
Don’t let your CNY fortune go to waste!
A few smart money moves TODAY can set you up for future financial success! 🚀
✅ Set a clear plan for your Ang Bao money 🎯
✅ Invest wisely in low-risk or long-term options 📈
✅ Avoid common money-wasting mistakes ❌
How do YOU plan to use your Ang Bao this year?
Drop your money goals below! ⬇️
Image: Seedly Writer Amos
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ABOUT ME
Asian Amos
Edited 13d ago
Business Associate at Investment Networking Club
Juz a local Gen Z with an inquistive mind. A lifestyle writer from💲finance🏦to anything else
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