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Anonymous

03 Aug 2023

∙

General Investing

Couple 47 this year, just fully paid our private property (worth ~SGD 2.0M) and years ago, HDB (~SGD 0.5M). Hit our CPF > FRS and cash savings about SGD 0.5M. What should we invest on? no decoupling.

As conservative investors. ~5% gain each year, beside S&P 500

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Seedlyhuatster

23 Aug 2023

T-bills

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Seet YaoRong

20 Aug 2023

Property

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Calvin

15 Aug 2023

Hahaha no advice. Perhaps if you dont mind, can you share how you achieve this feat?

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Anita Han

14 Aug 2023

Property is a great asset

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Li Ye Tan

14 Aug 2023

Really happy for you, having accomplished such feat. Can't imagine the amount of discipline required...

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Hi I am 43 years old. 730k cash savings. 200k in SSB. HDB fully paid. CPF SA 198k. CPF OA 70k.

Couple with combined income of $8k. Fully paid hdb. Cash savings and investments $160k. OA $50k. Plan to rent the whole hdb out and purchase a 2 bedroom condo to stay.

In my 30s and on a 25-year HDB loan of 350k paid monthly through CPF, should hit FRS by my 40s. Is it sensible to pay the HDB loan thru excesses in OA once I hit FRS, instead of getting a bank loan?

Should priority be given to clear our HDB housing loan using cash (which can be paid off from the CPF OA over 20 years), or to use this cash for investment or CPF top-ups to the SA ?

Mid-30s couple, living in 5-rm HDB fully paid - resale at $600k. Bayshore BTO for $500k profit in 10 yrs or take loan for 2-rm private property (rental and resale)? Which is more profitable?

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Hi I am 43 years old. 730k cash savings. 200k in SSB. HDB fully paid. CPF SA 198k. CPF OA 70k.

Couple with combined income of $8k. Fully paid hdb. Cash savings and investments $160k. OA $50k. Plan to rent the whole hdb out and purchase a 2 bedroom condo to stay.

In my 30s and on a 25-year HDB loan of 350k paid monthly through CPF, should hit FRS by my 40s. Is it sensible to pay the HDB loan thru excesses in OA once I hit FRS, instead of getting a bank loan?

Should priority be given to clear our HDB housing loan using cash (which can be paid off from the CPF OA over 20 years), or to use this cash for investment or CPF top-ups to the SA ?

Mid-30s couple, living in 5-rm HDB fully paid - resale at $600k. Bayshore BTO for $500k profit in 10 yrs or take loan for 2-rm private property (rental and resale)? Which is more profitable?

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