My advise: 1. Pay back your CPF OA amounts used for property purchase. You can't go wrong with this step. Putting back your OA is being responsible for your future self. It also grows at a risk-free interest rate. It also parks money where suddenly close friends and relatives cannot touch. 2. Then look at your debts. If you have no instrument that can outdo the bank loan interest, then clear the pty loans first, car loans, study loans... 3. Then invest.

Correct me if I am wrong. SA you can only top up to $200K? No?

Cash. but actually, use the cash to pay back your CPF amount used. paying cash to the bank loan doesn't put you at a better position than paying back your own CPF.

Yes, you can put cash back into CPF and specifically to return (in full or in part) the amount used for property. This is also my recommendation to you because: -every dollar you take out of CPF misses out on the 2.5% risk free interest that "government" gives your CPF. -every dollar you take out of CPF later comes back to bite you as "accrued interest". In street talk, you will lugi at 2.5% a year. - put the above 2 points together, it's 5%pa improvement for every dollar you do so. - compound it actually. Putting back your CPF used for property should be done as soon as you comfortably can because it's a solution that keeps giving back to you. Putting cash to SA is the next better solution because it's a 4%pa improvement for every dollar, and a one time tax reduction.

There's no straight answer for this. but here's are some things to consider: - on the books, Gov backed is always safer than a Company backed bond. but returns will be less. - Company backed with good rating doesn't mean wont default. just Google Hyflux. - let's not forget government backed but risk free 4% SA-CPF. The trade off is cannot withdraw. I may not be you, but I share my mode of operation. I will max out my SA 7k contribution before I consider the SSB bonds. Then TB.

Their course introductory talk is usually free. but I'm thinking they are going along the line of shared ownership, or foreign property ownership. buy a few REITS. you'll overtake her 34 property in no time ;)

Actually, you probably can split bill and max benefit from 3 to 4 cards. paying all into 1 card may max the benefit and dilute your actual returns

No. generally. too much of the premium would already be sunk. you would only be taking back less that a fraction of what you paid up. so might as well enjoy what protection your past self has purchased.

Always look at things that are monthly recurring. Here are some suggestions: -monthly insurance premium. (MC can pair w AXS on phone to pay) -SP bill -telco bill -APP wallets

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