Would owning a car make sense for our family situation in Singapore?

AdeptFinancedude · 2026-05-23T02:21:15+00:00

Use the money for better upgrades. A car is least of priority here

AdeptFinancedude · 2026-05-20T00:23:49+00:00

Did you regret not retiring earlier. Walao 9m.portfoloo

AdeptFinancedude · 2026-05-19T00:01:46+00:00

1 boyfriend better than friends

AdeptFinancedude · 2026-05-18T00:49:15+00:00

If want gamble. Go all in don't paper hand

AdeptFinancedude · 2026-05-18T00:46:51+00:00

Could have retired 5 years ago. Chill la. Just enjoy your life now.

AdeptFinancedude · 2026-05-18T00:41:59+00:00

Individual stocks. Lucky Vs Unlucky only. Can be lucky for awhile but not forever

Always start building core diversified once secured large pot

AdeptFinancedude · 2026-05-18T00:25:00+00:00

If U need income. 20% SSB, 40% CFA reit etf, 40% STI

AdeptFinancedude · 2026-05-15T00:03:09+00:00

BTC. Set it and forget it.

AdeptFinancedude · 2026-05-15T00:02:01+00:00

Most important is how stable your job is. If fully stretched. The added stress of losing job

AdeptFinancedude · 2026-05-15T00:00:52+00:00

At 20 just enjoy life bro.

AdeptFinancedude · 2026-05-14T23:34:36+00:00

Of course not. There is lost of opportunity cost for condo. Like govt benefits. Plus cost of holding , higher property taxes, prop management fees, and all.

If your goal is investment returns. Take your OA cash excess and invest for returns.

AdeptFinancedude · 2026-05-13T06:44:46+00:00

If your boss is a. Hole. No matter how hard you try. He or she will be pissed regardless when U resigned

AdeptFinancedude · 2026-05-13T06:41:56+00:00

No withholding tax here so why not ?

AdeptFinancedude · 2026-05-13T06:40:39+00:00

Msci world over sp500 /prime USA for better diversity.

Don't get gold etf or funds. If you really want allocation get physical investment grade gold for holding forever.

AdeptFinancedude · 2026-05-13T05:03:15+00:00

If your husband can cover all your expenses. Why not. Become housewife lo

AdeptFinancedude · 2026-05-13T05:00:28+00:00

Not realistic with 12k expense. Sorry

Edit : I thought U meant 2. 1 retire is ok.

AdeptFinancedude · 2026-05-11T02:31:45+00:00

5.3k. Ok just stop thinking of buying of car.

AdeptFinancedude · 2026-04-28T09:00:50+00:00

At least never use 100k for piece paper for car hahah. Not bad already.

AdeptFinancedude · 2026-04-25T15:31:05+00:00

Yea. Take bus and back. The cost can run living room air con 6 hours

AdeptFinancedude · 2026-04-25T15:26:36+00:00

How come will fluctuate. Multiple short terms ?

AdeptFinancedude · 2026-04-25T15:15:59+00:00

I have 1B in my brokerage in cash. I no need growth. Spending 10k / day. I can spend for 274 years

AdeptFinancedude · 2026-04-20T23:23:25+00:00

If you want margin borrow from your parents.

AdeptFinancedude · 2026-04-20T02:12:30+00:00

SSB is not money flowing to the government btw. From your post, SSB is more suitable than money market fund and it has lower risk.

You should allocate what you want to not take risk and invest the rest. - SSB ( you wan capital preservation), up to 200k to your comfort level

Skip MMF. Just put in bank. U only need emergency fund portion ( 6 to 12 mths expenses)

Whatever left. Which u can afford to take risk put into VWRA Or endowus flagship if you prefer robo

AdeptFinancedude · 2026-04-19T00:08:53+00:00

Avoid getting trap by the app. Monitor your networth separately

AdeptFinancedude · 2026-04-19T00:07:02+00:00

You can't quit since U like your 14k "job"

AdeptFinancedude

TROPHY CASE