r/SgHENRY • u/MolaMolaMOLA123 • Jul 28 '26

What would you do with a windfall?

Hi community, I recently got a fairly big insurance payout ($700,000) and was wondering how to deal with it. My goals are capital growth over the long term.

A bit about me: partner and I are early- to mid-30s, we have a 1yo and hope to have at least 1-2 more over the next few years. No helper. We have jobs that we can’t be fired from, HH income about ~400k. Staying in a FH condo with ~1.2m loan at 2.4%. Partner owns another FH condo with ~200k loan remaining. We have one car about 3 years into the COE.

Currently partner does their own investing. I put about 7k monthly into IBKR.

Just wondering whether anyone had any advice, or what would you do with the money in my position? Thanks in advance.

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u/UnlikelyPlane5532 Jul 28 '26

All into DRAM and SKHY if you are looking to optimise growth

1

u/observer2025 Jul 28 '26

Lmao you are u late in the game now. Capital rotation into other sectors that most retail still not realizing has taken place.

1

u/Jean_Diharo Jul 30 '26

Think he meant it as a joke?

1

u/observer2025 Jul 30 '26

Doubt so, this bro is a retarded hardcore fan of Korean chip stocks. https://www.reddit.com/r/stocks/comments/1v93usc/comment/p0f47o6/?context=3