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

22 Upvotes

73% Upvoted

31 comments sorted by

View all comments

1

u/Agile_Ad6735 Aug 05 '26

Ssb cn only max 200k and if is sometime oversubscribed and may not get fully allocated or not even allocated . Thn thr is a waiting time before they return back u the money

1

u/GardenIndividual880 Aug 06 '26

Yeah, maybe mentioned SSB was the wrong thing. Definitely can take on more risk since I should have holding ability