Hello! One of the more famous and well-known etfs outside of Singapore would be the S&P 500 index. The S&P 500 index is a market-capitalization-weighted index of the 500 largest U.S. publicly traded companies.

Hello! Instead of asking how much to save before investing, maybe you can look at it from another perspective in terms of ensuring that your high-interest debts are paid off before investing. The recommended amount of savings would be about 6-9 months of your emergency funds in order to ensure that you will have enough savings should anything happen to your job. It is important to pay off all your high interest debt first so that you would not inccur too much interest. I personally feel that once you have done these few things it would be the best time to start investing. You should try to do this as soon as possible as investing early as possible would be the ideal situation due to compounding.

Hi David! I started out investing in ETFs through regular savings plan offered by DBS without much knowledge of investing. Another investment that I tried out is roboadvisors since i do not need to know much as the roboadvisors are the ones doing most of the investment. If you are looking for a safer investment , SSB would be a good option since it is backed by the government. It is good to read up about the investment that you plan to do before deciding whether to invest. Hope this helps and all the best in your invesment journey!

Hello! You can look at; 1) Alpha It is the measure of an invesment's performace on a risk-adjusted basis. the higher the alpha the better. 2) Beta It is a measure of volatility of a security or portfolio compared to the market as a whole. Conservative investors who wish to preserve capital should focus on securities and fund portfolios with low betas while investors willing to take on more risk in search of higher returns should look for high beta investments. 3) R-squared It is a statistical measure that represents the percentage of a fund portfolio. Mutual fund investors should avoid actively managed funds with high R-squared ratios, which are generally criticized by analysts as being "closet" index funds.

Hello! You can try looking at savings accounts offered in banks. Bonds also offer compound interest. CPF is also another area! Hope this helps!

Firstly, you can look at the fees charged by both. Traditional investment advisors typically charge anywhere from 1% to 3% of the value of your portfolio, while robo advisors charge less than 1%. You are essentially paying more for more personalised services. Next, if you are someone that likes personal contact with your investment, financial advisors would be a better choice. If you are contended with not having personal contact, Robo Advisors would be a better choice. If you are willing to let someone else do your investment, then a robo advisor would work . When you invest in a robo investing platform, the site will handle all of your investment activities for you.

Hello! Some of the available places to invest are SSB, STI ETF and Robo Advisors SSB involves the invesment in the future of Singapore by loaning the government some money. The minimum sum to start is $500. The risk level of this is rather low. STI ETF would be recommended to those with low commitment investing and for those taking a passive way for long term investment. It involves the betting on an index fund which tracks the top 30 companies in Singapore. The minimum sum to start is $100. This carries a rather moderate risk. Robo Advisors is similar to the purchase of the STI ETF but it is for those who wish to diversify globally. There are currently 3 players offering this service, StashAway,Autowealth and Smartly. The minimum investment can go as low as $1. This carries a moderate risk. It would be good to research more and see which type of investment that you are most comfortable in.

Hello! Dollar Cost Averaging is when you invest the same amount of money at standard intevals, regardless of share price. By doing so, it is likely that you will buy more shares when the prices are lower and fewer shares when the prices are high. Thus, in the long run, it is likely that it will help you to smoothen out the average purchase price of your shares. Value Averaging On the other hand, value avergaing invloes changing how much you invest periodically. For value avergaing, you start with the end goal in mind and work toward your target number. In conclusion, for DCA, you are always contributing the same amount of money so you buy shares regardless of the price. While for value investing, you will buy when the shares are lower.

Hello! Here are some of the financial ratios that you may want to look at when deciding which stock to buy! 1) Price/earnings ratio The P/E ratio would be able to tell you the dollar amount that an investor can expect to invest in a company in order to receive one dollar of the company's earnings. It will also be able to tell if a company's stock is overvalued or undervalued. 2) Beta The beta is used to measure the volatility of a company's stock. A beta value of more than 1 is considered high which means that it is likely to be of high risk. While any value lower than 1 would be considered low, meaning that it is likely to be a low risk. 3) Dividend Looking at the dividend rate may also be a good idea if you are looking for a stock that will enable you to make money without constantly watching the stock market. Hope this helps!

Hello! I personally feel that both are equally important and if you can you should engage in both. Investments may be able to give you an alternative source of income. Should you happen to lose your job, you would not need to worry as much since you have an alternative source of income if you have engaged in investing. On the other hand, insurance is a form of safety net where we may be able to fall back onto should any unfortunate event happen. It would be best to be able to have both investment and insurance to ensure that you will be 'covered' regardless of your situation.