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Anonymous

09 Aug 2020

∙

Should I use my rental income to invest instead of paying my home loan? Rental income - $X Home loan - $Y Shortfall - $Z=Y-X = $300?

I understand that the basic idea is to place $X where it will perform better than CPF's 2.5%. Am thinking of putting this extra cash into StashAway or Endowus. What are your thoughts?

StashAway Endowus

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nardleo

22 Feb 2023

If I could go on, this might be a good solution. A setting that is suitable for your growth and freedom of exploration tiny games

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Baby Steps Finance

09 Aug 2020

Seedly Student Ambassador 2020 at Seedly

If you are confident you can outperform the loan's interest rate the go ahead. If not, the most prudent way is to finish paying off the debts first, then invest.

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If I feel that I can make 3-4% return on my investments through index funds (i.e STI ETF), should I pay my home loan using my cpf oa or using cash instead? ?

If I have enough to pay off my home loan, should I pay it off or use the money to invest elsewhere instead? Don't wanna have debts, but also read that it's dangerous to lock up cash in property...?

I manage to save up $25k and will be taking my degree, should i: 1. use it to pay tuition fees? 2. take up student loan (with interest that adds up) and invest this money instead (like REITs/ETFs etc)?

What is your opinion on using only cash every month to pay for hdb loan repayment instead of using full OA CPF to pay hdb loan every month?

Am currently partially using CPF to pay for my home loan and want to switch to fully using cash. Is it easy to reapply to use CPF again in the future? Should i pay minimal CPF or cease CPF payment?

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