facebookI am currently an undergraduate and will be graduating in 2022. I recently came into a sum of $50,000 and would like to know what you'd do to invest if you were in my position? - Seedly

Anonymous

08 Jun 2021

General Investing

I am currently an undergraduate and will be graduating in 2022. I recently came into a sum of $50,000 and would like to know what you'd do to invest if you were in my position?

I currently have private shares in a local run crypto-company and am able to purchase more at the preferential rate. I also have a Securities account that I can make use of.

I am considering to invest in a robo-advisory (StashAway). Have been told to consider purchasing a property together with my parents, purchase ETFs etc.

Do not have much savings.

Am open to all suggestions and investments. I have a medium to high-risk appetite personally.

Discussion (25)

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Victor

25 May 2021

Financial Service Consultant at AIA

ETF investing via DCA method.

Alson Chia

06 Sep 2020

Head of Operations & Trading at Tokenize Xchange

Ok since you have stated a medium to high-risk appetite, maybe you can apoortion your portfolio to the following: crypto, stocks, interest rates, cash

  1. For crypto if you don't know much, can just go for BTC and ETH, they are considered as "blue chips of crypto"

More explanation here: https://medium.com/tokenize-xchange/the-blue-ch...

  1. As for stocks, if you are not comfortable picking your own, you can go for ETFs/indexes. I would suggest US stocks as compared to SG stocks.

  2. So for interest rates, this portion is the less risky type of "investments". You can opt for Singlife, which is giving 2.5% APY for 1st 10k, and 1% APY for next 90k. You can also get into crypto earn for USDT using the crypto.com APP, they provide 10% APY on your crypto. However, do bear in mind if forex risk between SGD and USD.

  3. Lastly hold cash for your emergency funds! ​​​

ETFs buy&hold:

60% VOO

15% VGT

15% CQQQ

10% physical gold

(don't rebalance, let run)

more important: invest more regularly when you are young​​​

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$50,000 is not a small sum of money. First you should split it up into your expenses, savings as well and investment. As i believe you are still at a young age, you could buy more individual stocks to grow your portfolio.

As mentioned, go invest into the robo-advisors to grow your liquid capital....

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