Greeting all! We have combined saving of SGD 7k a month which can be invested in anywhere.All insurance and household spending etc are well taken care of.

90% US market and 10% crypto. No SG and no dividends.

The 4th point will give you the lowest return. This one is obvious and no need to consider at all.

Point 3's return is the highest among all but you need to spend the most amount of

time as well to find out which crypto to go into.

Point 1 and 2 complements each other. Can do both meaning DCA into some ETF and sell put options for premium. This one is the most stable and least risk among all the ideas.

Not relevant to the question you're asking because I'm not good enough to give advice on that BUT I would definitely recommend splitting your investments with your partner.

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I have seen firsthand how a couple sharing investment accounts may start having differing views on "how or where the money should be invested" and ended up being on very bad terms.

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my suggestion is to manage your own pot of investments - even if you make a loss or a bad decision, your partner can't blame or resent you 🤷🏻‍♀️ 🥲

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good luck!

All those are good assets to include in a diversified portfolio, here is how I portion mine:

20% - SG dividend stocks (banks and REITs)
5% - Crypto
everything else - S&P500 etf (CSPX), World index (VWRA) and individual stocks

As I am still young, I plan to only accumulate dividend stocks if they are selling at huge discounts (as they were last year). With markets recovered since then, I have been DCA-ing into S&P500 etfs and indiv stocks for greater growth to maximise returns