Advertisement

Anonymous

09 Dec 2020

∙

Directed at Seedly Staff, I realised that there are different versions of 50-30-20. Some articles stated 30% towards investment while others stated 20% investment. Which does Seedly suggest as a team?

1

Discussion (1)

What are your thoughts?

Learn how to style your text

Musyaffaq

09 Dec 2020

Business Studies Graduate at Ngee Ann Poly

I believe the ratio is just a guideline, but the actual ratio you use should be personalised to your lifestyle. Maybe you’re now living with your parents and you don’t have much expenses. You could lower the expenses to like 30%, and allocate more for investments and savings.

For me, I still live with my parents. So I allocate more for investments and lesser for savings because I have a few more years before I actually would live in my own house. So time is on my side to build the emergency fund. And this allows me to maximise the compounding effect of my investments.

Reply

Save

Write your thoughts

Related Posts

For the 50-30-20 Allocation Rule where 20% is for savings, what if we have reached the max of our emergency fund? Do we still continue to keep 20% as savings or it moves into investment portion?

I have 50% of my savings invested (40% SWRD, 8% US stocks, 2% others). For the remaining 50% in bank, I plan to keep 20% cash (emergency, expense), what should I do with the remaining 30%?

What best side hustle that has the best efficiently ROI in term of time and money invested? At different age group 10,20,30,40,50,60,70

Am 40yrs & hv $100k available for investing. Wud the below portfolio make sense to invest and hold & also, lumpsum or DCA? *am a new investor. 50% ($50k) - VOO 20% ($20k) - VXUS 30% ($30k) - BND. Any advice?

Do you follow 50-30-20 rule? Specifically 30% savings?

Related Posts

For the 50-30-20 Allocation Rule where 20% is for savings, what if we have reached the max of our emergency fund? Do we still continue to keep 20% as savings or it moves into investment portion?

I have 50% of my savings invested (40% SWRD, 8% US stocks, 2% others). For the remaining 50% in bank, I plan to keep 20% cash (emergency, expense), what should I do with the remaining 30%?

What best side hustle that has the best efficiently ROI in term of time and money invested? At different age group 10,20,30,40,50,60,70

Am 40yrs & hv $100k available for investing. Wud the below portfolio make sense to invest and hold & also, lumpsum or DCA? *am a new investor. 50% ($50k) - VOO 20% ($20k) - VXUS 30% ($30k) - BND. Any advice?

Do you follow 50-30-20 rule? Specifically 30% savings?

Advertisement