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?

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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.

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