facebookWhat are some recommendations for investments for different time frames? - Seedly

Anonymous

16 Nov 2019

General Investing

What are some recommendations for investments for different time frames?

Looking at 5/10/20 yrs?

Discussion (3)

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Josh Tan Jian Liang

16 Nov 2019

Co-founder https://theastuteparent.com at Promiseland Independent Pte Ltd

Hi Anon,

When it comes to property investing, investment timeframes are long.

Amount is also bigger. I'd suggest the first thing to consider is knowing exactly how much in cash and cpf you have first. If amounts are not sufficient, consider investing into financial assets to build your wealth.

When it comes to financial assets (equities and bonds), investment should be long term also. This quick chart shows you that when it comes to equities, to minimize losses, a 10year time frame is needed at least.

*A 20y timeframe is almost a sure win.

Check out this video on Why Most Prefer To Put Cash Into Properties Than Stocks! even though equities in general have a better long term track record.

It will answer many of your questions.

Look for a qualified financial adviser to talk through investment strategies if you are new to investing.

Pang Zhe Liang

16 Nov 2019

Fee-Based Financial Advisory Manager at Financial Alliance Pte Ltd (IFA Firm)

There are many instruments where you can invest your money. However, before you start investing, it will be best to understand your objective
Here are some questions to help you:

  1. What is your capital?

  2. How will you want to invest your capital? E.g. lump sum or an amount on a regular basis

  3. How long will you want to stay invested? E.g. 10 years

  4. What is your risk appetite? E.g. How do you feel about short-term volatility?

  5. What is your objective for investing?

From there, we can start to understand the options available to meet your needs. At the end of the day, the worst thing to do is to provide recommendations without due consideration for your needs.

Kelly Trinh

16 Nov 2019

Backoffice technical at financial services firm

Hi Anon,

You've given quite a high level question without further specifics on situation so hard t...

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