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
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Posted on 24 Oct 2019

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.


20 answers

Discussion (20)

Hi anon,

First thing would be to beef up your savings a little. Although you will only start graduate and start work in 3 years, it would be prudent to have a small emergency fund of at least 6 months expenses. Also, ensure you have at least a hospitalization policy in place, in the event of any unforeseen health issues. You may consider critical illness coverage after you start work unless you wish to get one now due to lower premiums at your age.

If you have a medium to high-risk profile, then I would recommend that you can consider going 60%-75% into equities, equity funds, or ETFs, depending on the sector and risks that you prefer. This assumes that you do not have any defined timeframe with which that you need the money. The remaining allocation can be placed in fixed income or kept as a warchest for further opportunities.

Property as an investment can be done as well, but capital outlay will be bigger and I do not think $50000 is quite enough to split between all the asset classes I have mentioned.

However, with due consideration to the big picture, also remember to balance your risk, as well as how you will continue to add on to your investments in time to come.

Some question which I will pose to you to think about include:

  • What do I want my money to do for me?

  • What is the level of risk that I will want at different stages of my life?

  • Will the asset class I choose give me the return I want, and with what risk?

It will be advisable for you to understand all the options on the table before selecting the one(s) that you are comfortable with. If you have more specific questions, you can reply to this post and I'll weigh in with my own thoughts.


1 more comments

Emmelia Elyxis Lim

Emmelia Elyxis Lim

06 Feb 2020

This is so helpful πŸ‘


14 Aug 2020

Excellent points. Additionally, you can think about how much would I want and by when? This will help you narrow down your investment options based on your appetite. You will go through many life stages, each incurring a lot of resources. Do not think of money as something to be deployed immediately or strictly for long term, but through a planned and curated approach to help you achieve each life milestone you go through. We have built a free calculator to help people better plan their finances for retirement. Feel free to try it out to see if your plans are realistic to achieve your goal. https://retirementcalculator.wixsite.com/2020


Daryl Liao, Fti

Daryl Liao, Fti

Level 12. Master

Posted on 05 Dec 2019

Hey there, my take would be as follow:

  1. Set aside up an emergency fund of $12,000 (You're a student so i think 6 months of $2000 should be fine). You can park your monies in Singapore Savings bond to get some yield on it.

  2. Get your Hospitalisation insurance plan to make sure these mishaps don't cost you an arm and a leg.

  3. Build up your knowledge on investment knowledge and expand your horizons to know what you really like. Be it growth investing, dividend investing or you prefer relatively passive investing like ETFS or robo-advisory.

I dont think $50,000 is enough to invest into properties so that option will probably be out. Even if you can, avoid such a high commitment.




Hi Anon,

There are plenty of safe ways to invest your money. You can go for REITs, other ETFs and ...

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