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Yen Peng

Here to absorb all the investment/financial advices from all the laojiaos in Seedly community!

Yen Peng

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Here to absorb all the investment/financial advices from all the laojiaos in Seedly community!

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Yen Peng

  • Answers (20)
  • Questions (2)
  • Reviews (0)

COVID-19

Travel

Travel Insurance

Cancellations

COVID-19 Refunds

Yen Peng
Yen Peng
Level 4. Prodigy
Answered 2w ago
I managed to get a full refund for my bookings in Osaka, Japan - calling them via their hotline @ 66227306 is much faster than in-app chat!
šŸ‘ 0

Career

Education

Undergraduate

Yen Peng
Yen Peng
Level 4. Prodigy
Answered on 26 Feb 2020
I think internships/work experience are good to have, to showcase your capability beyond academic achievements and also build some connections that you can ask to be your character references. This will set you apart from your peers/competitors when it comes to job applications. Is there a reason why you are rushing to graduate asap? You can always find internship during summer breaks if you are currently in uni, and i believe most tertiary institutions have structured programmes for you to explore internship opportunities!
šŸ‘ 0

Career

COVID-19

Yen Peng
Yen Peng
Level 4. Prodigy
Answered on 26 Feb 2020
If you are looking to jump to govt sector i dont think the economy will have a huge impact on their hiring, because they are looking to fill the headcount :) most of the salary freezes, no-pay leaves etc are happening in private companies that are profit-driven so it makes sense for them to cut costs. in any case, better start now than never!
šŸ‘ 0

Investments

Undergraduate

Stocks Discussion

Robo-Advisors

ETF

REITs

Yen Peng
Yen Peng
Level 4. Prodigy
Answered on 26 Feb 2020
For young adults, i think it makes more sense to build on the capital first, and at the same time read up more on the investment options on market before you enter. start with low/moderate risk investments first i.e. SSB, STI ETF etc.
šŸ‘ 0

Insurance

Yen Peng
Yen Peng
Level 4. Prodigy
Answered on 26 Feb 2020
My insurance agent is actually my mum's friend (who also happens to be my neighbour)'s daughter! Sounds complicated but it actually works in my favour, because she really can't "run away" if I need to check on my plans. I actively avoid friends who want to meet me for a "catch-up/coffee/meals" with the objective of helping me achieve my finanicial goals as I have heard enough horror stories from my peers!
šŸ‘ 0

Investments

Blue Chips

OCBC FRANK Credit Card

Stocks Discussion

Yen Peng
Yen Peng
Level 4. Prodigy
Answered on 26 Feb 2020
Was just reading up on this topic and found a useful comparison article by one from our Seedly Community: https://blog.seedly.sg/which-regular-savings-plan-is-the-cheapest/ Hope this helps! :)
šŸ‘ 0

Lifestyle

Education

Yen Peng
Yen Peng
Level 4. Prodigy
Answered on 26 Feb 2020
Just because you guys have different aspirations/priorities right now, doesn't mean you can't stay as friends. If you only surround yourself with certain type/group of friends, you will end up with a very very narrow world view imo. If they are your close friends, i am sure they will understand if you explain your absence to them nicely. Who knows? Maybe you will be the #influencer within the clique, and all of you will go for seminars/talks together eventually :)
šŸ‘ 1

Grab

Yen Peng
Yen Peng
Level 4. Prodigy
Answered on 26 Feb 2020
I always redeem Grab ride vouchers with GrabPoints, still feel that it is most value for money. For krisflyer miles i can always just redeem with my CC rewards points anw, and the increment arising from Grab redemption is minimal imo. For F&B wise, i don't frequent the merchants that they feature so doesn't make sense for me to redeem those too. Grab is pushing out point revaluation wef 2 Mar, which is next week , so be sure to redeem your points before that for the most bang for your buck! Seedly review for your reference: https://blog.seedly.sg/grabrewards-revaluation-better-worse/
šŸ‘ 0

Career

Salary

Yen Peng
Yen Peng
Level 4. Prodigy
Answered on 26 Feb 2020
Folding and gluing the paper bags together, can't rmb how much i was paid back then but can work from home and watch drama at the same time :P
šŸ‘ 1

Savings

Investments

Yen Peng
Yen Peng
Level 4. Prodigy
Answered on 26 Feb 2020
Hi Anon, While you explore investment options, suggest you can open a Standard Chartered Jumpstart Account if you are under 26 yo, the interest rate is 2% pa capped at 20k (what you currently have) with no hoops, much favourable than CIMB FastSaver's 1% at this point:)
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