Congratulations on starting you full time job. It looks like you have covered your insurance needs already. The next priority is to have an emergency fund which covers 4-6 months of expenses.
I would suggest looking at invstments and have retirement and savings planning as financial goals while creating your investment strategy. If you are new to investing, you can start by reading about it so that you can take an informed call. Also, you can try using a robo-advisor, which can help you in getting an asset aloocation based on your risk profile for a lower fee than a financial planner.
I work at Kristal.AI, and it's my passion to evaluate various upcoming investment opportunities.
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Start by setting aside 6 months of your expenses for emergencies.
After that, invest 20-50% of your income.
Break down your short term, mid term, and long term goals and quantify them. A marriage, a first home, children, children education, a second home, retirement, etc.
How much would these cost you and when do you have to start paying for them.
Start understanding our CPF and how each accounts work as well.
When you have a clearer roadmap, you can make better decisions to get there.
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1 emergency funds
2 passive indexing ETFs (U.S., global, a bit of China, Switzerland and Scandinavi...
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