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nicola paterno

16 Jun 2025

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General Investing

Goal: Long term investment and income generation Timeframe: 10 to 20 years

Investment Plan Details

Dollar Cost Averaging Strategy:
- VUG (SGD 600/month)
- VWRA (SGD 500/month)
- SCHD (SGD 300/month)
- VYM (SGD 200/month) - International Dividend Stocks
Lump Sum Investments:
- MSTY (SGD 8,000)
- JPEQ (SGD 8,000)
Growth Stocks:
- NVDA (SGD 250/month)
- GOOGL (SGD 250/month)
- AMZN (SGD 150/month)

Allocation

Growth: VUG, NVDA, GOOGL, AMZN (45%)
Global Stocks: VWRA (30%)
Dividend Stocks and Monthly Distributions: SCHD, VYM, MSTY, JPEQ (25%)

14

Discussion (14)

What are your thoughts?

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Missing Q

10 Nov 2025

VUG can be replaced by SCHG.

Honestly no point having dividend ETFs, JEPQ can keep - assuming you will reinvest the dividends for compounding effect.

Not really sure about the stocks part. But If choose one stock, probably get MSFT.

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Wrong Sean

19 Jul 2025

I think you can simplify further.

At the current dividend yields for the dividend ETFs and the withholding tax level(30%), it doesn't make sense to have the forex risk, as 1M45 has mentioned. Consider removing them or look at the local banks or dividend ETFs, even the STI ETFs as alternatives.

MSTY and JEPQ covers your USD cashflow.

Review your growth stocks every 5 years or as neccesary.

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Wong Zhi Bin

01 Jul 2025

Thanks for sharing!!

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Jinsha

30 Jun 2025

Wow

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Chris cctzjd

30 Jun 2025

Own time own target at Self Employed

Nice...

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