Asked by Anonymous

25 y/o, graduated from NUS about a year plus, currently have savings of 20k. Looking to invest in stocks, perhaps china and SG, any advice?

Looking to grow my wealth, and looking at China's jump in stock prices seem quite keen in investing something there. Is it a good idea to invest now, or am I too late alr? If not what should I invest in SG?

Share this
Answer this question
Write your answer

Answers (6)

Sort by:
Most Upvote
  • Most Recent
  • Most Upvote
    • Richard Woon Tian Jun
      Richard Woon Tian Jun

      Top Contributor (Feb)

      93 Answers, 148 Upvotes
      Answered 3w ago

      Hi anon!

      A savings of 20k is a good base for investments - of course this must be after you have properly covered yourself with insurance such as whole life plans, a&h and your salary protection. Protection is just as important as investments, since a bad event can wipe out all your assets in a few months, so i'm assuming you're covered in that respect.

      With the rest of the 20k, if you're looking to invest but are still a beginner at investments, i suggest not jumping the gun into china although china's growth in the stock market is currently in a bull run - this is all in my opinion speculative trading according to the news about the trade war talks. Firms in china are increasingly borrowing huge amounts of money from banks in order to chase this profitable period and the debt levels in china is very high now. For all you know it could be the same situation as 2015-2016 stock market crash due to risky debt funded trading, which china has a bad history of.

      If you're looking to accumulate wealth at a steady pace, a good place to start is SG. SG has multiple REITs such as Capitaland mall trust and Ascendas investment REIT that pay out 6~10% dividend rate, and even the banks like DBS pay out 3.4% approx. our market, although not large in market cap, is a very good wealth accumulation market filled with stable blue chip high dividend stocks. you won't see much capital gain, but the regular income payouts are very attractive and consistent which is hard to find elsewhere.

      If not, perhaps a tried and tested vanguard s&p 500 index mutual fund is a good place to park the money as well - it tracks the s&p 500 and that index has thus far shown a steady up trend, even after downturns. If America and the USD remains the main currency of the market (which it most likely will) and the global economy grows, your investments will grow too steadily. This website link ( shows the year on year s&p growth - since 2010 it has only been negative once, which was last year due to trade war disputes, oil supply glut and other troubles that wiped out the gains of the entire year. If not, you should earn respectable returns, as seen in the table in the website.

      these are my recommendations because i'm somewhat a risk adverse investor and i like more certain returns. if you want to go get capital gains, you can look into us stocks which are more credible and if i dare to almost say "predictable" but don't quote me on this. if not, best of luck, and always be sure what you are putting your money into! you don't want to spend money on something you don't even understand, and risk losing it all. there is no reward for unneccessary risk!

      Comments (0)
      Share this
    • Npm Adele
      Npm Adele
      20 Answers, 32 Upvotes
      Answered 3w ago

      I'd ask, why china specifically?

      How's your investing experience/knowledge? I'd recommended just parking 10k to get started locally first. Find something you are familair with, or just buy a stock to get used to the market, decision making, following up on news and the 'feel' of investing.

      More importantly, only invest money you are willing and able to lose. If 20k is your total savings and not savings for investments, perhaps you should save 6 months to 1 year of pure emergency savings first. Only then start, and with 10k, a decent amount for stocks.

      Comments (0)
      Share this
    Wilson Yeoh
    Wilson Yeoh
    2 Answers, 4 Upvotes
    12 Mar 2019


    I would suggest you have at least 10k as emergency fund.

    The rest of the money can be used to select a few dividend stock and purchase slowly.

    Roughly around 5 stock will do, and 10% into each as you do not want to put all eggs in 1 basket!

    Hope this helps!

    Sign Up or Log In here
    Sign in now to unlock 4 more answers to this question!
    Sign In with Facebook

Download Seedly’s free

Expense Tracking App
Download on the App StoreGet it on Google Play
  • Sync all your banks in one place
    Sync all your banks in one place
  • Quickly add transactions and view reports
    Quickly add transactions and view reports
  • Community Q&A and blog integration
    Community Q&A and blog integration