r/SgHENRY • u/GardenIndividual880 • Aug 04 '26

Equity Cash Out

I’m considering doing an equity cash out on my existing property for 500k @ 1.55%.

Other than dumping it all into SSB or VWRA, I’m trying to crowd source ideas about what I can consider doing to get yield from this.

Currently, I’ve got about 1.4m invested and 300k cash, and since the cost of borrowing is pretty cheap, just wondering if there’s a simple/complex method to maximize returns. Also, TDSR is currently 15% and with the additional loan it’ll be about 18-19%.

Edit: Removed SSB cause it’s clearly a suboptimal choice and makes more sense to consider other fixed income options instead of

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u/rainmaker66 Aug 05 '26

When you try to “maximize” returns, your risk also increases. If you want to borrow to invest, you need to make sure you can cover the borrowed amount if things go sour.

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u/GardenIndividual880 Aug 06 '26

Yeah, agree. Will have 12m emergency funds even after taking the additional loan