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Gabriel Tham

Ultimate Keyboard Warrior. Please upvote me.

Gabriel Tham

Tag Team Member at Kenichi Tag Team

About

Ultimate Keyboard Warrior. Please upvote me.

Credentials

Tag Team Member at Kenichi Tag Team

Gabriel Tham

Tag Team Member at Kenichi Tag Team

  • Answers (998)
  • Questions (74)
  • Reviews (22)

Investments

Gabriel Tham
Gabriel Tham, Tag Team Member at Kenichi Tag Team
Level 9. God of Wisdom
Answered 9h ago
If I recall, I saw a promotion rate somewhere at 2.88% or around 3% thereabouts. Of course, for HNW individuals, there might be better rates (I guess ?) In a local context, I believe most would use it to buy REITs because the dividend are more predicatable and able to cover the interest payment on the margin facility. And the volatility of a "Good" Brand name REIT(e.g parkwaylife) is usually lower than other SGX stocks, this is to reduce the chances of a huge margin call. But in exceptional times such as financial crisis, anything could happen, so be prepared. Using Margin for US counters are not very effective unless one aims for huge capital gains. But in this case, then it might be better to just go for CFD trading because holding margin for a long term will eat into your long term returns. Plus, dividends from US counters are taxed at 30%.

HDB BTO

Resale HDB

Property

Family

Lifestyle

Gabriel Tham
Gabriel Tham, Tag Team Member at Kenichi Tag Team
Level 9. God of Wisdom
Answered 1d ago
Low floor: noisy from void deck, carpark and roads. Also, anything drop from above floors sure hit, like dripping wet clothes, cigarettes, rubbish. Middle floor similar to low floor depending on which middle. High floor: Good scenery, windy, good to feel natural wind. 1 bad thing is if lift breakdown, good luck to climbing stairs.

Entrepreneurship

Gabriel Tham
Gabriel Tham, Tag Team Member at Kenichi Tag Team
Level 9. God of Wisdom
Answered 2d ago
You can check out these articles https://blog.seedly.sg/cost-of-bubble-tea-franchise/ https://www.99.co/blog/singapore/what-to-consider-when-opening-a-bubble-tea-shop/

CPF

Gabriel Tham
Gabriel Tham, Tag Team Member at Kenichi Tag Team
Level 9. God of Wisdom
Answered 2d ago
Total Tax relief of voluntary top up to Self is 7k. So yes, you can do it in any combi to get that 7k.

CPF

Gabriel Tham
Gabriel Tham, Tag Team Member at Kenichi Tag Team
Level 9. God of Wisdom
Answered 2d ago
Some say start of year is best, there is another camp that will say just before Christmas, at the very end of the year. But since CPF interest is compounding for many many years, it really doesnt matter much which exact month is the best.

CPF

Gabriel Tham
Gabriel Tham
Level 9. God of Wisdom
Updated 2d ago
No, I do not think there is a such thing as too much money in OA. There is an annual contribution limit, so this somehow limits how much money you can pump into OA. This means if you strike toto 1 million, you cannot just pump 1 million inside.

Personal Finance 101

Gabriel Tham
Gabriel Tham, Tag Team Member at Kenichi Tag Team
Level 9. God of Wisdom
Answered 3d ago
Have your warchest ready. Ensure you have savings, insurance all done to form your safety net. But do not be 100% in cash because we cannot predict when a crash will happen. And you do not want to miss out on potential gains.

Investments

Insurance

Gabriel Tham
Gabriel Tham, Tag Team Member at Kenichi Tag Team
Level 9. God of Wisdom
Answered 3d ago
Insurance first. Protect yourself and your loved ones from huge bills and loss of income. If a big medical bill hits, insurance will help but your investment might not even be enough to cover.

Personal Finance 101

Investments

Gabriel Tham
Gabriel Tham, Tag Team Member at Kenichi Tag Team
Level 9. God of Wisdom
Answered 3d ago
Start with savings! Savings form the basis of any investment. At the same time start reading and learning about investments.
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