I'm 31/M/single, and liquid networth of 500k (excl CPF). I have a goal of starting a business by 35. Seeking investment advice in preparation of leaving full-time employment in the future? - Seedly
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Anonymous

Asked 3w ago

I'm 31/M/single, and liquid networth of 500k (excl CPF). I have a goal of starting a business by 35. Seeking investment advice in preparation of leaving full-time employment in the future?

How should I structure my portfolio to allow some liquidity? I expect myself not being able to further contribute to investment with my salary (9k/mth) if I leave my job. I am using Endowus, Syfe and have a portion in cryptocurrencies.

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    Wow! Congrats on building up a half-mil net worth at such a young age!

    One option you can consider would be Syfe's REIT+ portfolio for passive income. The regular dividends you receive may provide some cashflow stability when you leave your job.

    Why not ask Syfe's wealth advisors for a FREE plan on how to structure your investments? I previously had a wealth planning session with Ritesh and he was pretty good in helping me do up an allocation plan. The one thing I like is that there's no hard selling and he was not pushy at all.

    Could be worth a try!

    Wishing you all the best in your entrepreneurship journey :)

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    Hi there,

    I'm assuming that you are looking for liquidity for your business so that you can liquidate it in the event you need it. For starters, all your investments with Endowus and Syfe should have liquidity in it. You can consider branching out into other more managed portfolios that allow for liquidity as well.

    Maybe for you, you may want to consider diversifying your portfolios in terms of the geographical regions, industries that you're investing in with the roboadvisors. And also because your business need is guaranteed in the next 4 years, you may want to choose to reassess your risk appetite depending since investment returns arent necessarily guaranteed. 4 years is a relatively mid time horizon.

    Typically your roboadvisors will have a rather high concentration in US equities and do note that with roboadvisors, you don't have a full say in how you want your portfolio to be fully tailored too. You can consider then opting for a financial advisor to manage a portion of your portfolio too.

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

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    I think u should work out your budget 1st for ur buisness. Have you draft out your buisness plan yet?

    I doing photography freelancing, but even that i draft out a very simple plan, include budget, marketing, how to look for customer.....etc. i believe u doing a big buisness? Is more important to have a plan.

    After u draft out the plan. You need to protect that capital at all cost. Eg put in the risk-free SSB, is less sexy than stock but capital preservation is your goal. The rest of the extra money u can continue to invest in your crypto & robo.

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    Thank You!
    Can you clarify
    I wonder if
    This is so helpful 👍
    What about
    Post