What percentage of my savings should I start investing with? - Seedly
 

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Asked by Anonymous

Asked on 10 Mar 2019

What percentage of my savings should I start investing with?

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You can usually invest everything after setting aside 6 months if your income as an emergency expense.

The key here is to make sure that you're investing in something that's globally diversified and matches your risk appetite.

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Yong Kah Hwee
Yong Kah Hwee
Level 6. Master
Answered on 11 Mar 2019

It depends on you! Make sure you have some emergency funds set aside first (about 6 months of expenses) before investing.

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Junus Eu
Junus Eu
Top Contributor

Top Contributor (Sep)

Level 8. Wizard
Answered on 16 May 2019

First of all, set aside a portion that you would seem as emergency funds. I am also assuming that you have no other big ticket items coming up, since that is a significant expense.

With the remaining funds, I would then look to invest in it. You could do it the hands-on way with robo-advisors, or try your own hand at equity investments, which also require a relatively lower capital size.

Later on when you have amassed a larger sum, you might want to look at other things such as property etc.

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Ernest Yeam Wee Leong
Ernest Yeam Wee Leong
Level 5. Genius
Answered on 23 Mar 2019

A better way to look at it is what percentage of your income should you be keeping aside for investing.

For me when i get paid my salary every month, i set it to automatically transfer the money to my investment account, savings account, insurance account and business account.

For investment account, i will transfer about 25% of my monthly salary.

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Zann Chua
Zann Chua
Level 6. Master
Answered on 10 Mar 2019

Hello!

I personally think that you should invest as much as posstible except your emergency fund of three to six months’ living expenses. You should also set aside some savings for your retirement fund.

Hope this helps!

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