How do u invest in S&P 500 via OA and do you expect the US market to continue to excel in the coming decades? What's your view in the China market in the future? Do you keep your SA untouched?

Endowus has a fund tracking the S&P500.

The US market has done well for the last two decades. Some people expect it won't last based on length of economic cycles. Don't speculate. Invest for decades, stay diversified, stay invested.

China is definitely up and coming, and looks poised to take over the US markets. But again, do homework and read up. Arrive at your own conclusions. China's market is not as efficient yet, so weight your portfolio accordingly.

I wouldn't touch my SA if I were you. Focus on growing the cash you have on hand.

I am a believer that if you want to invest in the stock market, I would do indexing with only the major US indices such as the S&P500. And i would hold them for 10-20 years. US markets have been rising very well for the last 100 years and i won't think it would stop for the next few decades.

Yes I would keep SA untouched as I cant find any risk free returns as high as the SA.