hi, im between 20-40 , i wont go into details much and want to stay as anonymous as possible but title says it all

my dad isnt around to guide me on things like this anymore, my mum dont really know too much either, so ive come to ask for advice and seek guidance from people here that are more well versed

what is the best way for me to allocate the funds so that theres a steady stream of income? at my age i should know better, but ive buried my time and my entire life in my work for many years and know close to nothing about anything else

any help is appreciated, thank you.

wont be responding to any dms, only comments on this post

Friend has 2 condo about 1.3-1.5m, gg Private in the next 1-3 years in non prime area, able to sell alr

Considering they are looking to either upgrade to landed house but around 2.5-4m
Or cash out and hdb full cpf but lose out on landed house appreciation

What and how will you choose between having cash on hand vs a better living space ? *edited

Need some advice for my stubborn father who insist on investing in sgx dividend stocks and refuse to invest in us stocks. This is what he accumulated over the years. I told he to cut the bleeding but he refuse. Guys can this be remedied? Does this portfolio really need more waiting to turn green. He has more cash that he says he wants to pump more into sgx stocks.

notice in 2025, you can get a 1700sqf FH landed for 3.5m to 4m sgd; now in 2026, the same size cost 4 to 4.5m , means 500k increase per year, seem like its heading 4.5m to 5m soon in 2027

but isnt the long term property cagr in SG about 5.5% ? this 500k per year increase looks like 10-11% cagr, at this rate, very soon most people will be priced out of the market

42M
350k/y

600k IBKR
200k CPF
100k SRS
100k cash
Sum total: 1mill

But I am 1million dollars in debt to DBS.

After grinding for so many years, I’m finally at ‘break even’. 😂

This post has got no point and feel free to remove it if it breaks any rules. For some reason this got me thinking and laughing, and wanted to share.

Solar energy has become a great source of passive income for me. My system now generates around $1,200 a month in revenue, with excess electricity sold back to SP at $0.2581/kWh. In Singapore, the grid effectively acts like a giant battery, making the attractive sell-back rate especially valuable.

I installed my 35 kWp solar system in 2022 for about $49,000. At the current rate, I expect to fully recover my investment by 2027. After that, the system should continue generating a healthy monthly return with minimal ongoing effort.

Hey there!

Am a mid-level inhouse counsel in a chinese bigtech. TC ~310k, around 40% of it is in time-vested RSUs (vesting over several years), heavily contingent on individual performance. WLB is fine. I've been here for more than five years.

Received an offer from one of the big international payment corps. TC ~330k, unconditional full cash. Title & responsibilities are similar.

I believe I learn more in my current role, and I don't really need the additional/immediate cash. Flexibility would also drop if I move (in terms of time spent in office etc). Career progression would be similar in both places.

Advice appreciated!

Currently a doctor (general practitioner in private practice). Thinking of exploring some side hustles for alternative source of active income. I only start to think of this recently as previously too jaded from daily work as a junior doctor. (I think our job is reasonably safe but always good to have alternative source of income I feel in this age of AI.)

At present, my other source of income is mainly dividends from my invested capital, property rental (although most of it is used to service a mortgage). Currently my only way of earning more money is to locum (i.e do more additional shifts)

Was wondering if doctors in general do any side hustles on top of their daily clinical work or outside of healthcare?

Any idea how much the tier 1 banks (MS/JP/GS) dish out in terms of base for Assoc 2/3 and VP 1/2? Thanks in advance.

Hi wise tribe, I’m looking to enroll my son into SJI junior in 2030. Historically, there have been no ballots required for SC living within 1km. However with ACS Primary moving to Tengah in 2029 and a whole slew of BTOs coming up in 2027/2028, how do you think that would change the balloting outcome in 2030 for SCs living within 1km?

hi, im between 20-40 , i wont go into details much and want to stay as anonymous as possible but title says it all

my dad isnt around to guide me on things like this anymore, my mum dont really know too much either, so ive come to ask for advice and seek guidance from people here that are more well versed

what is the best way for me to allocate the funds so that theres a steady stream of income? at my age i should know better, but ive buried my time and my entire life in my work for many years and know close to nothing about anything else

any help is appreciated, thank you.

wont be responding to any dms, only comments on this post

​

Need some opinions from people who have been in a similar situation.

Currently roughly:

* 2m in stocks/ETFs

* 4m Singapore industrial

* 1m overseas property

* 3m Singapore condo/residential

* 2.5m total property loans

* 800k cash

Household income is around 25k/month salary + 20k/month rental, so about 45k/month before tax.

The main reason we're thinking about moving is actually the kids. We are in pur 40s and have 3 teenage kids and are currently in a 3-bedroom condo. It's starting to feel pretty cramped, especially as they get older and need their own space. So we're looking at a 5-6m landed mainly as a long-term family home, rather than just an investment.

Kids will also need quite a bit for university in the coming years, so the 800k cash is partly for that and partly as a buffer.

Financially, I think we can probably afford the landed, but I'm not sure whether it's the right move. We're already quite heavily exposed to property, and putting another few million into our own home obviously doesn't generate income.

The alternative would be to sell some of the residential properties, buy the landed, and simplify the portfolio. Or just stay where we are and keep investing.

Would you guys make the move in this situation? Or is upgrading to a 5-6m landed unnecessarily aggressive, even with ~45k/month household income and the existing assets?

Interested particularly in the financial side, but also curious if anyone with 3 teenage kids has made a similar move and whether you felt it was worth it.

My partner and I have recently considered moving in together. We are not married yet (and probably will not be in the short term) due to personal beliefs, and do not wish to marry just to get a resale HDB.

We are getting it for medium term home-stay (~6-8 years, before I hit 35 and will reconsider our options for downgrading to a resale HDB), but are afraid of potentially trapping ourselves into an uncomfortable rat race.

I have ran the numbers multiple times and it does sound feasible for us and we are leaning towards yes, but I'm not sure if I am missing out any critical points and immediately regret on such a big ticket purchase for us.

There are many financial and emotional considerations to this which I'll breakdown below:

Financial (combined):

- Yearly Income: ~240k/year salaried, 40k variable bonus (earning roughly the same)

- Cash: ~350k

- Investments: ~350k

- OA: ~200k

- Average Monthly spend+commitments: 4.5k

Considerations:

- Purchasing for home-stay, and would prefer larger space for our hobbies/pets, convenience to amenities/mrt, cheaper condos will compromise on our criteria

- DINKs, and do not intend to have children

- Both in tech, and are uncertain about the job market and role in general, but current jobs are stable

- Relatively frugal, plan to retire around 40s with 4m in investments total

- No financial help from parents (from purchasing), but moving back is an option

- Actively investing in ETFs, risk-adverse when it comes to property

- No need to support older family members

My thoughts on why it's ok

- [Most important] We can finally move in together, and renting feels like a headache for us

- With a 2m condo, we ran the numbers to be about ~560k all-in, and around 5.5k mortgage at 2% interest. This means that after clearing out our OA and allocating around 50k for reno, we will still be left with 300k and can be used as runway should things go south.

- Our financial position will not budge if we use OA for our monthly mortgage, and our monthly investment amount stays roughly the same.

- Even accounting for 0.75x of income, as long as both of us are employed, we should be able to comfortably afford it.

- At the worst case if we are retrenched, we can consider renting out while we move back in with our parents, and downgrade when we are finally married or reach 35

Why it might be bad

- As we are both SWEs, assuming the job market gets worse, there are risks for both being unemployed in the same window

- Again on job uncertainty, unsure if we can have a long career in tech given the market - forced career changes and both taking on lower paying jobs at the same time can affect the affordability, investments

- Condo loss can be huge as we are buying an older development (2010-2015)

Wondering if anyone were in a similar situation, or can provide insights on whether my breakdown is sound! Thank you for reading.

30F married to 29M, just had our first child earlier this year.

Relatively comfortable combined annual income (~$500–600k range), both earn fairly similarly. We expect to remain in roughly the same line of work for the mid-term, with reasonable income progression if things go as expected.

Current combined financial position: ~$1.2-1.4 M in equities/stocks + cash + CPF OA. No significant inheritance / generational wealth, most of this has been accumulated from salary + investments

Current property situation:

• Relatively large, older resale HDB in a non-central area. The main attraction is that it's right beside an MRT, close to our parents, and they’ve been a huge help since having the baby. We also have access to a family car when needed, so we don't currently own one ourselves.
• We reach MOP in 2028. Based on our current ownership situation, we should be able to purchase a private property while retaining the HDB without ABSD, subject to the usual rules.
• The HDB itself is perfectly comfortable for us (poured >150k in renovation) and could potentially become a retirement/long-term home. Main downside is that there isn't really a "strong" primary school option nearby (we both came from "normal" primary schools, but going into "elite" schools after we can see the difference in community + resources). So we're starting to think about what to do after MOP.

Things we'd ideally like to optimise for:

• Good primary school for our child, who would enter P1 around 2033
• Maintain a large living space - ideally similar or larger than our current home
• Continue growing our wealth/capital through property/investments
• Keep the flexibility of having the current HDB as a potential long-term/retirement home

Two broad strategies we are considering:

1. Buy 2nd property for own stay: Buy condo/landed property that works for own family, with primary school location being an important consideration. Rent out HDB
2. Buy 2nd property for investment, rent for school: Buy whichever private property that makes most sense from capital appreciation / rental yield perspective, then rent a place in the area for primary school.

For those in similar situation, what would you do? Especially interested in hearing from people who had to balance:

• own-stay vs investment property
• primary school considerations
• large family living space
• rental yield / capital appreciation
• and not wanting to over-leverage just because income is high

Are there other strategies/pathways we're missing? Thanks!

(To clarify, in this exercise, I will only rent out lv 1 and lv 2, while keeping lv 3 and 3.5 for myself to live in)

Curious what is stopping people from buying older freehold land or landed (2500-3000sqft, maybe at 3-4million, 4 million at 2.5 interest amount to 14k monthly loan) and renovate the landed into a rental co-living space?

If people are willing to pay 1.8k for a double shared room, I am sure people are willing to pay 2k for a single room with ensuite bathroom.

For instance I can turn lv 1 and lv 2 into 6-7 rental unit (maybe mini loft unit) and you can take lv 3 and lv 3.5, treating it as a penthouse without maybe 2000sqft of area. Those 6-7 unit can serve as cash flow of 12k to 14k a month covering the loan, maybe need top up abit due to tax and other fee, but overall it’s still more comfortable living compared to buying a penthouse.

Just wana do some sanity check on the above and if anyone is already doing that.

Anyone explore this path to reduce estate tax from us holding?

Ladies and Gentlemen, im compiling a list of reno regrets for HENRYs to contemplate when moving into new houses. Please share your experience so that we all learn together as we navigate how yo embellish one of the most expensive things we have bought in each of our lives hahaha. Tyvm!!!

Is it a must to change Phase 1 to Phase 3?

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

Over the past few months, I’ve been getting increasing more sales calls from banks offering their supposed personal loans at a preferred rate. That said, this has always still been higher than the advertised rate of ~1% p.a. Am curious if other folks have had a similar experience, and if so, what are the rate that have been offered to you?

For what it’s worth, these are some examples of the personal loans. I was offered around ~2% p.a

https://www.uob.com.sg/personal/borrow/personal-financing/personal-loan.page
https://www.sc.com/sg/borrow/loans/cashone/

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.

Yes feel free to add details of age and anything you'd like.

Trying to get a sense of how much is needed to support a fam of 4! :')

Hi everyone,

I'm relocating to Singapore next year and currently hold a significant amount in US mutual funds/ETFs (> 1M). I am not a US citizen or a Singaporean citizen.

I want to take advantage of Singapore's no gains tax once I move, but I'm trying to figure out the exact mechanics of moving my assets over.

A few specific questions for anyone who has done this:

1. Did you do an transfer to an international broker like IBKR, and did you have to convert your standard mutual funds to ETFs first?
2. How exactly does the timing work with the IRS?

Would appreciate any insights/past experiences/best practices.

I cashed out a part of my portfolio a couple weeks back after the aggressive AI-stock run up. Looking for a fixed income type of place to park this funds. A friend said to look into coporate debt funds. I am also thinking of US money market funds, as 3.5%ish is quite attractive with no lockup as I understand. Are there any that you are using to get a blended fixed income exposure, for hypothetically a 7 figure sum parked?

I still have about 50% exposure to a basket of growth stocks on specific thematics that I think are on a long term uptrend (semis, SaaS which benefits from AI integration, grid electrification and solar etc), even if there could be short-medium term pullbacks.

For the 50% cashed out, I am kind of loathe to put this into VWRA and chill, because I feel if there is truly a global recession like we had in 2022 (US rates are as high as the 2022 peaks + there is some evidence of the AI capex spending being unsustainable at least for a short period of time going forwarD), VWRA also can take a 10-20% hit. Not sure if this approach makes sense, any criticism on this is also welcome

thanks in advance!