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After CNY 🧧 How to Invest Your Ang Bao Money Smartly! #am05sg

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!

💰 1. Set a Smart Ang Bao Plan (Before It Disappears)

💡 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.

📈 2. Best Ways to Invest Your Ang Bao Money

Instead of letting it sit idle, make your money work for you! Here are some beginner-friendly investment options:

📊 Option 1: Singapore Savings Bonds (SSB) – Low-Risk, Guaranteed Returns

🔹 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

💎 Option 2: Robo-Advisors – Hands-Free Investing

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

📉 Option 3: ETFs – Easy Stock Market Entry

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.

🏡 Option 4: REITs – Earn Passive Income from Property or just Money Market Funds (MMF)

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

💡 Option 5: CPF Top-Up – Free Interest for Your Future

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.

🛑 3. What NOT to Do With Your Ang Bao Money

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

🎯Turn Ang Bao into Long-Term Wealth!

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

Here’s to sharing what matters and the people we meet along the way. Cheers! 🥂

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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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