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Amelia Leow

I write about VCs and tech at www.amelialeow.com

Amelia Leow

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I write about VCs and tech at www.amelialeow.com

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Amelia Leow

  • Answers (37)
  • Questions (5)
  • Reviews (3)

PolicyPal

Investments

Savings Accounts

Fresh Graduates

Endowment Policies

Interest Rates

COVID-19

I have read that interest rate are going down.. I might be a little late but what is the best way or financial product to protect myself against the fall in interest rate?
Amelia Leow
Amelia Leow
Level 5. Genius
Updated 4d ago
If your funds are in a low-interest bank account now, maybe you could consider putting it in a Singlife account, which doesn't have a lock-in period so your savings are quite liquid while generating around 2.5% in interest! I elaborate more about the account here.
👍 1

Robo-Advisors

Stocks Discussion

Investments

Value Investing

National Service (NS)

Online Brokerages

AutoWealth

S&P 500 Index

20 years old and enlisting soon. I have saved up a sum of $5,000 for investment and I will be saving up $1,000 every month for DCA/investing purposes. How should I go about my investing journey?
Amelia Leow
Amelia Leow
Level 5. Genius
Answered 4d ago
Along with the advice below, you can also try using Kristal.AI, which lets you choose / customise your portfolio yourself as well!
👍 1

Investments

Savings

Robo-Advisors

National Service (NS)

Hi, im 20 years old currently waiting for ns. I have just started investing a sum of money on Stash Away, and i would also like to learn other ways of investment for my current situation. Any advice?
Amelia Leow
Amelia Leow
Level 5. Genius
Answered 4d ago
You can also try out using Kristal.AI, which lets you get exposure to specific baskets of stocks (e.g tech stocks)! You can also deposit some of your savings with Singlife, under their 2.5% plan - I wrote about it here as well.
👍 1

Investments

Savings

National Service (NS)

I’m 20 and halfway into NS so I would like to learn something new and meaningful while earning additional money at the same time. Any tips for a beginner like me or some places of info that I can visit?
Amelia Leow
Amelia Leow
Level 5. Genius
Updated 4d ago
My friends are in a similar boat, so I can share a bit about what some of them have done. Most of them have started parking their NS savings in an interest bearing account, let it be Standard Chartered Jumpstart or a roboadvisor. More of them are using roboadvisors mainly due to them wanting to get a start in investing. I personally think Stashaway was a great way to start, but I'm biased because it was my first exposure to investing! Stashaway also has Stashaway Academy, which provides a lot of free investment and personal finance courses. This is great if you're looking to learn something as well ~ I also think honing in on an interest or skill that is "freelance-able" is good as well. Do you like writing? Then maybe start a blog or portfolio to beef up your credibility to do freelance. All the best!
👍 1

Robo-Advisors

Investments

How much money do robo-advisors make for us? My reits can earn 6-8% per annum Can robo-advisors make the same percentage or higher than personal investment?
Amelia Leow
Amelia Leow
Level 5. Genius
Answered 4d ago
This is a pretty common question when using a roboadvisor - what exactly would the returns from a roboadvisor be like? Like Elijah mentioned below, it's a common but dangerous perspective to adopt :") The main appeal of a robo is to have a portfolio that gives you diverse exposure handed to you. The time horizon for current local roboadvisors is too short to compare to something as "historical" as REITs, but judging by the backtesting done by Stashaway, robos are expected to do better than traditional investment methods (but this report was done by Stashaway so do your due diligence as well!!). This guide might be helpful for you, I hope this helps!
👍 1

Shopping

Lifestyle

Why do hot dogs come in packages of random numbers and hot dog buns come in packages of 4?
Amelia Leow
Amelia Leow
Level 5. Genius
Answered 5d ago
Haha this is one of those things that you find funny at first then start to seriously consider it. I think it's because you usually eat hot dog buns only if you're cooking a hot dog, and 4 is a pretty common number for food to come in (probably due to family size?). I think sausages come in "random" numbers because you don't buy them exclusively for hot dogs, you can use them for other dishes as well. Hope that helps? HAHA
👍 0

Lifestyle

Anyone is currently learning driving either private or school? I've been wanting to get a license during this pandemic, any experiences to share?
Amelia Leow
Amelia Leow
Level 5. Genius
Answered 5d ago
My friend is getting her license now as a private candidate and I think the experience seems fine but with extra safety precautions for sure. I'd advise you to book a test date ASAP, since schools are usually busy and I would imagine that they'd have a backlog of test dates now after circuit breaker
👍 0

Investments

I am a student and looking to earn some side money for investing. What are some easy ways to earn 15+ an hour part time. I don't mind investing time in learning a skill to use to generate income. ?
Amelia Leow
Amelia Leow
Level 5. Genius
Answered 5d ago
Freelance research analyst - there is a pretty promising gig by Ravenry. There's also another by a company called Wonder.
👍 0

Investments

Online Brokerages

Personal Finance Books

Investment Courses

Any investment tips for newbies? I have sorted out my insurances and emergency funds with no debt. I'm ready to beginning my investing journey. How can I begin?
Amelia Leow
Amelia Leow
Level 5. Genius
Answered 5d ago
When I started, I put some of my money in a roboadvisor and tried to understand first-hand what drove changes in the portfolio performance. Also, I made a brokerage account (these can take quite a while to get approved, so apply before you need/want to trade) so I can buy the stocks I was interested in after doing some research on. You can also get stocks through roboadvisors like Kristal.AI !
👍 0

Investments

Robo-Advisors

ETF

StashAway

S&P 500 Index

What’s the performance of stashaway against indexes like S&P500 as benchmark?
Amelia Leow
Amelia Leow
Level 5. Genius
Answered 5d ago
In the short term I think they've beat or at the very least matched the performance of major indexes. However, the long-term is more difficult to say, but the performance also depends a lot on the risk appetite you've indicated for your portfolio!
👍 1
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