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Christopher How

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Christopher How

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Christopher How

33Upvotes
  • Answers (15)
  • Questions (1)
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SeedlyTV EP06

CPF

Lifestyle

Giveaways

Christopher How
Christopher How
Level 4. Prodigy
Answered on 12 Jun 2019
My mum is on the minimum sum scheme that pays her close to $500 per month for 10 years. After doing the math, I decided to top up her RA with at least $300 each month as that $300 becomes $489 through 10 years of compound interest and then gets paid out to her. This is my way of sustaining her retirement income from CPF.

Investments

Christopher How
Christopher How
Level 4. Prodigy
Updated on 07 Jun 2019
Good question. What you need to ask yourself is what is your objective. If you just have surplus savings and want to put the money in somewhere with a lower risk than STI ETF, then it makes sense to put the money in SSB. If your goal is to increase the coverage of your investments to go beyond just Singapore alone, robo advisors are one of the easiest way to diversify your investments across the globe without a large capital. So, what are you going to do? 😁

Autowealth

Stashaway

Robo-advisors

General

Christopher How
Christopher How
Level 4. Prodigy
Updated on 07 Jun 2019
If you wish to invest in US market, just buy US index ETF. That's the easiest way. If you were to invest via a robo advisor, you are accepting the portfolio recommended by the robo advisor based on your risk profile and the recommended portfolio is usually a globally diversified portfolio and not solely US-centric. Therefore you are only partially investing in US when you invest through a robo advisor.

Bank Account

Investments

General

Christopher How
Christopher How
Level 4. Prodigy
Updated on 07 Jun 2019
Can I just say that very few people (if any) in this community have experience handling this large sum of money. You're really better off speaking to wealth managers (not insurance agents, I'm talking about the real deal here). They are the ones who can give you proper advice and they will do regular portfolio reviews with you. If you are working with a wealth manager for the first time, don't hand over all your money to him/her. Let him/her manage $200,000-$500,000 and see how they work. Are they capable of doing a good job? If yes, you can choose to double down on this wealth manager. Otherwise, you can always switch to find another one.

PFF Panel 2

Investments

Seedly PFF 2019

Christopher How
Christopher How
Level 4. Prodigy
Answered on 02 Mar 2019
A simple litmus test is, how much risk will cause you to not be able to sleep well at night?

Retirement

PFF Panel 4

Seedly PFF 2019

Christopher How
Christopher How
Level 4. Prodigy
Answered on 02 Mar 2019
Smaller house and early retirement camp.

Investments

Christopher How
Christopher How
Level 4. Prodigy
Answered on 11 Oct 2018
VWRD and IWDA will be good options as they are not based in US and are not subjected to US taxes. If you invest in VWRL for example, it's technically the same thing but based in US so you get taxed by the US.
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