I think taking up an internship is certainly a good choice as it allows you the chance to explore different careers while you are still young and some even offer reimbursements, though it pays less than a full time job. It would be great if you could take the opportunity to brush up your skills too so that you can appear more capable and employable to employees!

While I am glad that we are progressing, amid taking little steps, I am still a little impatient tbh of the long recovery time. When all of this began, I honestly thought it was something short term and of a smaller scale, not an international crisis. It is tough times not being able to dine outside and just enjoy the freedom of being able to hang around anywhere with your friends, as even stopping for a quick chat now can be something illegal haha. But I'm sure we will make it there :)

It would be trying to cut down on my expenses and having to make the difficult decision to reject social gatherings with friends or not dine at expensive restuarants due to the price. It made me feel really bad all the time as my friends would not understand it sometimes or they will be nice and offer to eat at less expensive places instead of places they frequent.

The reason you decide on a career switch must be quite important to you, considering how you are looking to change despite the situation you are in. I don't think it is advisable to use cash to top up your CPF. Plus, you should really think about whether your emergency funds and savings are currently enough to support your everyday lives, which goes to say your living expenses and bills, beyond just mortgage payment.

It is interesting how you say it won't work in SG! I think its more dependent on the industry we work in rather than country. For example, some industry that requires constant group projects and client interaction would certainly fare better with working f2f. There is this human touch that the digital platform just cannot replicate, as I have felt from my personal experience. Likewise, I would like to hear from you!

I think the US S&P500 is a better choice for two main reasons. Firstly, it has historical higher returns of 10% per annum over the last 80 years, proving its amazing track record compared to STI. Secondly, the US market is so big that it basically represents the global market, and it is quite impossible for the global market to collapse completely. While Singapore is honestly just quite small in economy size and its ETFs has lower returns.

I would recommend you looking into investing in ETFs as they are diversified already, which means they carry lower unsystematic risks. In particular, I think the S&P500 is a good choice for two main reasons. Firstly, it has historical returns of 10% per annum over the last 80 years, proving its amazing track record. Secondly, the US market is so big that it basically represents the global market, and it is quite impossible for the global market to collapse completely. Hope this helps

I would recommend you looking into investing in ETFs as they are diversified already, which means they carry lower unsystematic risks. In particular, I think the S&P500 is a good choice for two main reasons. Firstly, it has historical returns of 10% per annum over the last 80 years, proving its amazing track record. Secondly, the US market is so big that it basically represents the global market, and it is quite impossible for the global market to collapse completely. Hope this helps

Good job for embarking on this journey! Unfortunately idk much about that but lemme give some general advice! First, think about what kind of investment goal you want. Do you aim to receive passive income monthly in dividend payment or you wish for value appreciation over time? Are you looking at a ST or LT horizon. After your emergency fund is settled, as for beginners, I encourage you to look into investing in ETFs as they are lower risk investments as you are investing in the market as a whole, compared to individual stocks, mutual funds and other securities. One recommendation I always give is the S&P500 ETF which has historical returns around 10%.

It is important that you first figure out your finances! Think about how much you would need for your emergency funds, which should be 6-12 months of living expenses that you cannot go without. Put that amount into a high savings account like Jumpstart. After that is settled, as for beginners, you may look into investing in ETFs as they are lower risk investments as you are investing in the market as a whole, compared to individual stocks, mutual funds and other securities. One recommendation I always give is the S&P500 ETF which has historical returns around 10%. The amount of capital you have does not need to be a lot as you can buy in smaller divisions. It just needs to be the excess amount you have!