25yo fresh grad with 27K savings looking to invest. Kindly critique my savings/investment plan

Hi Anonymous,

There are quite abit of missing info here so I'd like to suggest some areas to do budgeting for before we look into investment:

• housing (downpayment and reno will dip into your savings; mortgage will dip into you and your SO's monthly cashflow)

-wedding (good to discuss expectations and with that, the cost which will dip into your savings)

-honeymoon? This will dip into savings too

-emergency funds: I'm a conservative so I keep 6mths of my monthly take home pay (not my expenses)

According to your timeline of 2 yrs to marriage, lets talk about what you can do in this two years and because it is 2 yrs, theres a limit to how much u can grow ur money.

As a beginner myself, I wouldn't suggest you go into complicated stuff like equity. You could consider DCA into ETFs and if you have some money left, you can consider dividend paying stocks in SG (because it is less complicated than overseas markets) which have good business prospects.

For these two years, I suggest you work hard at your job to build your value (aka your job and salary) and savings (for self and your investment fund) and learn more about investment before diving in.

Of course, another option is to delay your wedding and your house so you have a longer runway to earn money and for your investments. There is always a trade off so good to think what is your priority 😉

If you look at all the answers below, they completely miss your point. Your issue now is not what to invest in, it is your upcoming housing needs that is the issue.

BTO Is out for you because for the may launch bto u need to wait till 2028 to collect keys. Your main focus should be to gather enough cash/cpf for your downpayment and renovation costs for your resale flat and to find a location,/ unit type that you like to live in.

Investing with reasonable levels of risk is not something you should do right now.

The best investment is in yourself. Investing in yourself and climb the corporate ladder to increase your spending/savings power! Also, like what wero has mentioned, minimally your emergency fund needs at least 3 months of expenses.

You'll need a lot of patience and to avoid all the mistakes mentioned here:

https://seedly.sg/questions/what-is-your-genera...

low fees, good diversification, buy & hold attitude, passive investing are important

you do not need Syfe.

can buy an ACWI ETF (UCITS) as core and

a global technology/innovation ETF as 10-20% satellite. 10% physical gold is also nice.​​​