Just a curious question of the day :P
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Kenneth Lou
26 Jun 2019
Co-founder at Seedly
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Endowment and ILP policies. I thought it would be a good savings instrument, then I realized the insurance cost was very high for coverage I didnt want.
I subsequently found it more financially attractive to just do minimum sum top-up, and SRS for tax reliefs and better returns.
Last year I found that my own rate of return was a lot better than the fund in ILP, and I stopped the monthly premiums. On average, I found that my transaction costs were lower than the fund, I was sgd denominated whereas they changed the fund from SGD to GBP, and I still continue to beat the fund manager on YTD, 1 yr, 3 yr returns measures.
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Maplestory prepaid cards. Literally starved myself during secondary school and bought thousands of d...
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Geez there’s probably so many things that will be in my list:
Probably want to flip it around and answer it from another perspective, what do you feel you should spend money on: