Hi! There is really no correct time to start investing as there are continous market cycles. A bear market will never remain bear permanantly nor will a bull remail bull. There is bound to be a cycle going through both of these circles. So a better strategy to adopt while investing in the market is the Dollar Cost Averaging. This basically refers to investing small amounts at regular intervals. This will ensure that you invest in both bear and bull markets, so in the long run, you will have a lower average cost of purchasing the securities. In this case, you don't really have to bother about the correct time of investing. You can use the SIP model to apply this in your investments. I work at Kristal.AI, and it's my passion to evaluate various upcoming investment opportunities.

Hi! Liquidity ratios are those which help you to assess the ability of a firm to repay its debts. This is important for investors in both debt and equity instruments. For the debt owner, if the company is unable to repay their claims, they will lose their capital. Equity owners will receive income through dividends only after the debt obligations are clear. Hence, having a good liquidity ratio shows that the company will be able to repay its obligations. Liquidity ratios can be as follows: 1. Current Ratio 2. Quick Ratio 3. Operating Cash Flow Ratio However, agreeing with the others, these ratios are only helpful when used in comparison to other firms. Then we can take a call upon which company has a better liquidity position than the other. These numbers in isolation will not make much sense. I work at Kristal.AI, and it's my passion to evaluate various upcoming investment opportunities.

Hi! Since you need the capital in 7 years, you should opt for a capital protection investment strategy. This means that you should put in a major portion of your capital into a safe fixed deposit avenue, wherein the capital is sure to reach 50K by the end of the investment horizon. There will be low return on this investment, but your capital will be protected. You can use the excess cash left after this investment to gain a higher return from the market by taking on some additional risk. This will just be additional income which you can use at your disposal. However, it is not advisable to enter the market without having some knowledge about it. You can read about investing or take up a course and then start investing, however the excess amount will be idle till then. You can try a robo-advisor, which will assess your financial goals and risk appetite and provide optimal portfolios. A robo-advisor will also have a low fee to avoid too much erosion of capital. I work at Kristal.AI, and it's my passion to evaluate various upcoming investment opportunities. Hope you find this helpful.

Hi! The first option that you have is to take up a paid internship, but this will consume a significant amount of your time and you may not have too much spare time while pursuing your course. The other option is to make some investments and earn a good return. You can make use of a robo-advisor, which will develop an optimal portfolio for you based on your financial goals and risk appetite. I work at Kristal.AI, and it's my passion to evaluate various upcoming investment opportunities.

Hi! Looking at your portfolio, I see that there is an average return of about 2%, which is pretty low. You can take on some additional risk and get a higher return on the same investment amount. After having a liquid fund kept aside as an emergency fund, you can use the rest to investment in ETFs, REITs etc. which may provide better return. You can also make use of a robo-advisor, which will generate an optimal portfolio for you based on your financial objectives and risk appetite. I work at Kristal.AI, and it's my passion to evaluate various upcoming investment opportunities.

Hi! You can definitely open an investment account with Kristal.AI. It's actually free of charge up to an investment amount of USD 50,000. The only fee you will incur is a transfer charge of 0.05% over the FX rate. Our Private Wealth account is only for accredited investors and here you need to fulfil any one of the following conditions : 1. Earnings of over SGD 300,000 per year 2. SGD 1 million in liquid assets. Hope you find this helpful!

Hi! Property is a good investment but a very illiquid one. So, my suggestion would be look at other investment options such as ETFs, REITS etc. where you can earn a decent return as well as have the capital available at your disposal. You can explore robo-advisors, which charge a very low fee and provide optimal investment solutions based on your financial goals and risk appetite. I work at Kristal.AI, and it's my passion to evaluate various upcoming investment opportunities.

Hi! Kristal.AI is a robo-advisory platform, which allows you to invest in global ETFs. As an added advantage, investments up to USD 50,000 are completely free of charge. You can also make use of our algorithm to get an optimal portfolio based on your financial objectives and risk profile. Hope you find this helpful.

Hi! Congratulations on starting you full time job. It looks like you have covered your insurance needs already. The next priority is to have an emergency fund which covers 4-6 months of expenses. I would suggest looking at invstments and have retirement and savings planning as financial goals while creating your investment strategy. If you are new to investing, you can start by reading about it so that you can take an informed call. Also, you can try using a robo-advisor, which can help you in getting an asset aloocation based on your risk profile for a lower fee than a financial planner. I work at Kristal.AI, and it's my passion to evaluate various upcoming investment opportunities.

Hi! Since you have 10k spare, I assume that you have already accounted for your insurance and liquidity needs. If not, I suggest you first plan those and then decide a figure that is available for the purpose of investments. After this, you can arrive at an asset allocation that takes your financial goals, investment horizon and risk profile into account. This maybe a lot considering you are new to investing, so reading about investments can be helpful. You may also try using a robo advisor, which can guide you on your asset allocation and provide an optimal investment solution. I work at Kristal.AI, and it's my passion to evaluate various upcoming investment opportunities.