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janedoe

Investment n00b

janedoe

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janedoe

  • Answers (20)
  • Questions (4)
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StashAway

Investments

Robo-Advisors

I do monthly DCA into my Stashaway profile. Is it possible to do a one-off lump sum investment into my Stashaway profile, on top of my existing DCA?
janedoe
janedoe
Level 4. Prodigy
Answered on 16 Mar 2020
Yup, just select the portfolio you want to put the lump sum into, click the 3 vertical dots on the top right hand corner of the screen, click deposit. From there you can select one-time deposit. (FYI this is based on the ios app. I'm not sure about the android or web interface, but it shouldn't differ too much.)
ūüĎć 0

Stocks Discussion

REITs

Investments

What are good reits to buy in Singapore?
janedoe
janedoe
Level 4. Prodigy
Answered on 15 Mar 2020
I recently got into Syfe because of the REITS portfolio on there. 50% of my portfolio is in REITS and the other 50% is in bonds. Some of the REITS Ascendas, Mapletree commercial trust, mapletree logistics, capitaland mall trust, capitaland commerical trust, etc. My rationale for using Syfe was because I'm not a super savvy investor so using a robo-advisor was the path of least resistance.
ūüĎć 2

Lifestyle

Family

Savings

Personal Finance 101

SG Budget Babe

I earn x3 of my bf but he insists to "overspend" his salary on me and refuses to stop cause he wants to keep up with me. How do I tell him nicely that he can't keep up?
janedoe
janedoe
Level 4. Prodigy
Answered on 15 Mar 2020
I think the best way is to tell him your concerns, have a mature and open conversation about it. If you are planning to spend the rest of your life with him, he cannot possibly be keeping up with this forever. Let him know that you do not need to be pampered. That while you appreciate the gesture, you are able to afford such luxuries on your own. (The worse thing is to make him feel like he is spending on you yet you dont appreciate it) If he wants to spend on you, tell him that he can do so once in a while, not all the time. Tell him that you see a future with him, that you want to buy a house with him, that you want kids with him, and this future is only possible if you both can afford it.
ūüĎć 1

Family

Career

Lifestyle

Investments

If you had the chance, what would you tell your 20 year old self?
janedoe
janedoe
Level 4. Prodigy
Answered on 15 Mar 2020
1. Health is wealth, take care of yourself now and you will thank yourself in the future 2. Save as much as you can 3. Be your own person, do not be influenced by people around you
ūüĎć 2

Savings

Savings Accounts

How much savings your have at the age of 26? I am 26 now. I have been working for 7.5 years. My saving is around $40k. Is it healthy? I am wonder how much money you have when you are same age as me? ?
janedoe
janedoe
Level 4. Prodigy
Answered on 08 Mar 2020
$40k is a good amount to have. I think what you can do now is start looking at how to grow this $40k and make it work for you. I.e. investments. We're both around the same age and I'm dipping my toes into the various investment tools. Our biggest capital is our youth :)
ūüĎć 0

General

Lifestyle

Im a male, turning 30 soon, single. As i dont really have a social life, I have managed to amass a total of cash savings of $100,000++. But im still unhappy and mildly depressed. Is it normal? How can I find joy in life?
janedoe
janedoe
Level 4. Prodigy
Updated on 25 Feb 2020
Hi anon! One way you can try making yourself happier is through making new friends and expanding your social circle. You can try putting yourself put there by joining interest groups. I find that volunteering for something you feel passionate about is a good way to make new friends. I have met so many like minded people by volunteering for various events. Perhaps you can try that too! You could also take a small portion of the money and treat yourself? To a nice holiday or something. Some self love would be great for the soul :)
ūüĎć 0

Savings

General

How much money do you give to your parents?
janedoe
janedoe
Level 4. Prodigy
Answered on 25 Feb 2020
I currently give about 20% of my take home. Both my parents are working and have rental income. After they retire, they will also have dividends from shares and their CPF payouts so now the amount is sufficient. Of course we shouldnt be calculative with what we give our parents as theyve given us so much more than we can ever repay.
ūüĎć 0

Lifestyle

General

Best karaoke in town? What are the best affordable places with good up-to-date song selections?
janedoe
janedoe
Level 4. Prodigy
Answered on 24 Feb 2020
Manekineko is pretty good, they have many outlets all around SG, in town as well. Their rates are quite affordable, I think you should check their website or call in to get the latest info on the discounts they are offering currently. They have free flow snacks and drinks too if I remember correctly. Their song directory is quite up to date too. https://www.koshidaka.com.sg/manekineko/outlets-price/
ūüĎć 0

Promo Codes

Grab

Savings

Transport

Transportation

Just thought I'd share: $2 off Grab Ride, by Borrowing E-Books via National Library Mobile App?
janedoe
janedoe
Level 4. Prodigy
Answered on 24 Feb 2020
Wow thanks for this! It's a good initiative and a good way to get a promo code!
ūüĎć 0

StashAway

Investments

Robo-Advisors

Does it make sense for me to transfer my returns from a Stashaway low-risk portfolio to a higher risk portfolio?
janedoe
janedoe
Level 4. Prodigy
Answered on 24 Feb 2020
I recently did that, no fees if I'm not wrong. I had the same thinking as you, i am willing to risk the small amount i put into the general investing portfolio for a higher risk. I say if you would like to do it and can afford to stomach the potential loss of capital, go for it. For me, the amont was only 1.5k so i was ready to do that. I also set up another lower risk portfolio (20%) where i would pump in money on a regular basis so my risk appetite for this profile is lower.
ūüĎć 0
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