Just curious, let's say an individual (or group of individuals) were willing to lend the money to clear off the loan immediately to avoid further interest (at let's say half the interest rate & a longer repayment term), is there any way to 'safeguard' the lenders other than holding collateral or out of 'trust'.

Updated Apr 2019 Stashaway: Started in Oct 2017 with 60/40 portfolio on monthly contributions. Switched to 80+ equity during the trade war & SGD returns shot up to 11% (from 3 - 4% previously) Question: Hypothetically if i knew a market crash would come in a month or so, would it be wise to lower my risk profile OR maintain risk profile and continue (or even pump) DCA-ing. Is it possible for the portfolio to get wiped permanently (due to some weird rebalancing) ?

Would also be interested in key threats to the S-REIT market, and how fast approaching & how significant these threats are. :)

Thinking back to my primary school days, my saving habits have been consistent. I used to spend 30 cents of my 60 cents on food, and save the rest in my metal coin box (to buy the occasional flag eraser cough ) . Soon enough, I had to ask for more coin boxes - total of 4 or 5 - all differing designs based on what was hip or cheap then. This went on until my dad opened a Kids Saving account & I unwillingly entrusted my literal life savings to the bank (but but.. what if they short change me!!). Fast forward 20+ years, I'm still delaying gratification on atas food, bubble tea & Starbucks, and no longer collect erasers. What am I saving for? I don't know, but I have a feeling settling down, purchasing a house & LIFE will cost a lot more than the 107 erasers I have biodegrading in my closet.

It's a good 'problem' to have when you feel you have capacity or the desire to learn more / take on more responsibility than you're currently having. If that's the case, you may want to ask for it and only then are you able to know for sure if the opportunity is available to you.

"Capital gains taxed as income" - please don't tax my dividends tooooo