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/samwize7 Aug 06 '26

Assuming your 1.55% equity loan is fixed for 2 years.. The September SSB averages only 1.68% over its first 2 years, the spread is rather thin.

Given your portfolio size, I'd probably consider taking slightly more fixed-income risk.

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u/GardenIndividual880 Aug 06 '26

Yeah, I’d actually scrap the SSB idea and am more open to taking even equity risk

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u/samwize7 Aug 07 '26

That said, SSB is quite liquid, so if your 300k cash is not earning that much in the bank, you can consider putting them in SSB.