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Anonymous

Asked on 09 Jun 2020

I have about 200k savings in total. How should I invest?

For example, if i break them into 3 categories, High risk, medium risk, low risk..

how would you proportionate the money?

What are the specific investments you will put in these categories?

Thanks

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Hey there!

There are many platform for you to invest. For starters, dollar-cost-averaging is good for people who are embarking on their investment journey. You can try setting up a RSP account and track an ETF. It is not risk-free, however due to the risks associated with market volatility but you are banking on the general long term upward trend of the stock market.

Alternatives will be to use a roboadvisor whereby your RSP is invested into a portfolio based on your risk appetite.

If you decide to do it on your own, you might want to understand asset classes according to its risk/reward ratio to craft out your investment portfolio eg. Higher risk assets like equities for capital appreciation, safer assets like gold, bonds etc for risk hedging.

You can also opt for an ILP with a trusted agent and craft out a portfolio with ILP funds based on your risk appetite. Make sure you have an understanding of the nature of the funds and its past performance and your agent is able to review your portfolio regularly. All the best!

Financial planning is an integral part of life. You can reach me here to find out more.

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Charles
Level 2. Rookie
Answered on 09 Jun 2020

Thanks all.

If my % as below:

20% - High risk

50% - med risk

30% - low risk

what are the specific investments you will place them into?

Today, i am already running 3 different robo-advisor (2 for my SRS and 1 for my cash deposits).. believed they are Low Low, Med risk category..

i also buy into sti etf occasionally.. not making money now.. bought high...

i will need more ideas to diversify my funds..

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Charles

10 Jun 2020

100k investment club? Don't think bank will offer with such low fund. For the gold part. U mean hold gold contract or buy physical bullion at UOB?
Jefremy

10 Jun 2020

Buy bullion. Private investment club with other investors, not banks
J
Jefremy
Level 4. Prodigy
Updated on 09 Jun 2020

Don't go into stocks, ETFs or mutual funds. Those are for DCA and normal people.

With 200k, go find a private investor club.

You will learn more about investing from seasoned individuals and open yourself to higher returns with lower risks.

That said, reserve some for long term returns and emergencies in gold and silver.

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Jefremy

09 Jun 2020

Yes. Unless you have a hedge fund working for you or have extensive experience in stocks. It's not for the masses. Marketed so cause they want your money. Why? Rule number 1 - don't incur losses
Frankie Rappaport
Frankie Rappaport

4w ago

ETFs are the best superior stock investing concept ever, I do that for over 20 years and it worked/works super (f.ex. today and yesterday, but mostly over 20 years). All these high risk approaches lead to underperformance or frank losses.
S
SkyFP.com
Level 4. Prodigy
Answered on 09 Jun 2020

Most importantly, you need the ask yourself the risk you want to expose yourself to.

If talking about instruments,

Low risk investments, like singapore savings bonds, are of lower yield but capital guaranteed.

Medium risk, are probably like some funds/etfs. This is a very wide spectrum, as funds/etf have different risk levels, depending on their invesments objectives too. For example, more advanced leveraged etfs would have a much higher risk.

Higher risk are stocks.

Of course, there are more but these are some examples.

How I will proportion my money, I will see how much I will need to keep safe, how much money do I not need in the short term, etc.

Me being in my early 30s, I also believe I got a longer tiome horizon on my side, I will tend to be a little more aggressive, and take on higher risk to get a higher returns. Risks can be managed by understanding more on what you are getting.

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SkyFP.com

09 Jun 2020

I'm not a fan of SSB, and will not be considering it. This is of course a personal opinion. There are still people open to SSB and FDs. Stocks ownership for me is to build another stream of passive income through dividends. I balance this risk by preparing for guaranteed annuities.
Jefremy

09 Jun 2020

Old school strategies may not survive the new economy. May I suggest you research on crypto staking and fintech for your dividends. Good pointers sky
Royalchem
Royalchem
Level 5. Genius
Answered on 09 Jun 2020

If you are the type who don’t want to do homework on your own.

Try the following:

1) Find a fund manager from bank to manage your money

2) ownself buy etf (sti etf or reit etf) are good

If you willing to research

1) stock market

2) p2p lending

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