Anonymous

20 Jan 2020

∙

How do I allocate my funds when investing?

Hello. I am a 24-year-old expat in Singapore and I have been living here for the past three years. I have saved up to 95k SGD and invested around 16k in SA. What else should I be investing in?

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Lim Boon Tat

20 Jan 2020

Mathematics at Cambridge University

Wow. way ahead of many many 24 year olds. Depending on your risk appetite and financial goals, there's a variety of higher-risk instruments that you can consider, as you have a much longer financial horizon.

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Bjorn Ng

19 Jan 2020

Business Analyst at 10x Capital

Hey there,

Great job saving up that amount! Before you look at what to invest, I would suggest you to build up your investing knowledge by reading books, forums, and understanding what kind of products are out there for you to invest. Also, take note to set aside your emergency funds (roughly 6 months of your salary) and expenses before embarking on your journey.

For a start, you can look into investing in STI ETF or robo-advisors which automatically creates a diversified portfolio for you.

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Choon Yuan Chan

14 Jan 2020

Besides understanding your risk profile and future financial needs, i feel at least a small portion ...

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How should my funds allocation be for ETF Long term investment? I'm a commission based earner. I hv 15k which is 6 months of emergency funds saved. i'm thinking of investing the rest, about 10k.?

Could you touch on how you allocate funds to meet different investment goals?

For the 50-30-20 Allocation Rule where 20% is for savings, what if we have reached the max of our emergency fund? Do we still continue to keep 20% as savings or it moves into investment portion?

I'm going to enlist and have $28K in savings. How much should I allocate for emergency funds and investments? No short-term goals but I really want to grow this amount further while I'm in serving NS. Any advice?

How would you allocate a $15K portfolio in you were a beginner? And why? Emergency funds and all already set aside so $15K solely for investments. Any advice?