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Anonymous

30 Aug 2019

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Now @ age 37 gross income $3800, age 30 gross income $2300, 2 child age 5 and age 1. Stay in 4 room hdb flat. Only have $10,000 cash saving, and monthly saving of $1000. What advice you have for us? ?

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Cryotosensei

13 Oct 2024

Blogger at diaperfinancingfund.blogspot.com

You mentioned only $10k cash savings. I suggest you save up to the amount that will make you sleep well at night for your emergency funds. Invest as soon as you can once you have your emergency funds settled

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Li Elizabeth

09 Feb 2024

For the sake of your kids. Invest safe for now. Esp if you do not have a lot to burn when market goes a different direction than your potential prediction. Maybe REIT or tbills for now.

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Hariz Arthur Maloy

30 Aug 2019

Independent Financial Advisor at Promiseland Independent

Get yourself covered with insurance first.

Coverage in the event of death of about 15-20 X your i...

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5-room HDB - loan $190k. Household income $9k (saving $2k monthly) with 4 kids (< 6 yrs old). $200k & nil investments. Should we pay full next year when due? Or renew loan and save in FD? Any tips?

Couple with combined income of $8k. Fully paid hdb. Cash savings and investments $160k. OA $50k. Plan to rent the whole hdb out and purchase a 2 bedroom condo to stay.

Seeking advice on resale flat. Should my fiancé and I get a 3-room hdb now (only me working) or wait for another 2-3 years to get condo/bigger 4/5-room hdb when he starts working (combined income x2)?

Can review my portfolio? 1) IWDA: $10,000 (invested beginning of this year,2020) DCA monthly: $1,500 2) STI ETF: $18,000 ( invested since 2018, having a loss) 3) Unit Trust: $10,000, (value: $11,000). Any suggestions?

Are the government benefits difference for 4 rooms and 5 rooms HDB flats significant enough such that it is better to opt for a 4 rooms HDB instead in the long run?

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