I'm 27 ANB, i have already bought enough insurance coverage. i currently have $25k to use. im planning on getting a more risk adverse instrument for my portfolio.?

The longer your investment horizon, the less the risk of long term stock investing when compared to other asset classes.

the things I mention in this piece are risky, but much more risky are the things I advice against in the same piece.

https://seedly.sg/questions/what-is-your-genera...

possibly, so, the best stock investing instrument could be a simple large and cheap MSCI World ETF denominated in USD currency and ultra long buy & hold.

All your mentioned euphemistically named 'Builders' and 'Multipliers' surely will decrease your capital gains when compared with simple patient ultra-longterm passive diversified ETF stock investing.

Make sure that your mentioned ones will not become 'Demolitors' or "Dividers' (when benchmarked against said ETFs)​​​

Hi there,

Most of the selection you have pointed out are perpetual endowment policies, with policy expiry date around your age 100. All also offer partial withdrawals at your retirement age. A good note for these policies, is to check against the Insurer's participating fund performance. The projections only make sense if the company can achieve a high return over a long period of time.

If near term liquidity is important to you, you can opt for short-term corporate bonds. They will give you good yields at a short time frame. That way you have a long-term plan which gives you liquidity only at the later stage, while you still balance out your short term needs with liquid bonds.

Hope i was able to shed some insight on your situation. Should you require some assistance, do reach me to schedule a consult. Have a good night!