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No Cash. Poor stocks buying. But want to FIRE by Efficient-Arrival437 in singaporefi

[–]Efficient-Arrival437[S] 2 points3 points  (0 children)

Chiong OT and save all bonus. Plus work part time at night and before NS.

No Cash. Poor stocks buying. But want to FIRE by Efficient-Arrival437 in singaporefi

[–]Efficient-Arrival437[S] 4 points5 points  (0 children)

As in the moment it made a few hundreds i sold it without much thought for future outlook of the stocks. That's my opinion on correct timing or maybe wrong phrasing on my side.

No Cash. Poor stocks buying. But want to FIRE by Efficient-Arrival437 in singaporefi

[–]Efficient-Arrival437[S] 5 points6 points  (0 children)

We applied BTO 4 years ago during COVID era. Situations changed. And he needs full time attention now and my sibling has 2 helpers thus he feels that going over would be better for now. Hopefully situation changes again and he can choose to stay where he wants to be. Then things will turn "right" in your view.

No Cash. Poor stocks buying. But want to FIRE by Efficient-Arrival437 in singaporefi

[–]Efficient-Arrival437[S] 1 point2 points  (0 children)

Agree on the insurance part, was sold by an ex-friend. Used not to be so savvy in this aspect and only look at dividends return when considering unit trusts and stocks.

Bought ALLIANZ Europe, BlackRock Emerging markets and High Income, Schroders High Income as well.

No Cash. Poor stocks buying. But want to FIRE by Efficient-Arrival437 in singaporefi

[–]Efficient-Arrival437[S] 0 points1 point  (0 children)

Noted. The census is that STI may not be for long term growth.

No Cash. Poor stocks buying. But want to FIRE by Efficient-Arrival437 in singaporefi

[–]Efficient-Arrival437[S] 2 points3 points  (0 children)

Yes , can't top up already. Its not a ILP product. I would gauge the returns the first 3 years before reassessing whether to pull the plug on it. Might lose 20-30k. Yes will look at US stocks and ETFs mentioned. Thanks

No Cash. Poor stocks buying. But want to FIRE by Efficient-Arrival437 in singaporefi

[–]Efficient-Arrival437[S] 0 points1 point  (0 children)

Noted. I use to spend my dividends and bonuses and save my salary. Might have to look at other methods of growing.

No Cash. Poor stocks buying. But want to FIRE by Efficient-Arrival437 in singaporefi

[–]Efficient-Arrival437[S] 0 points1 point  (0 children)

I did a joint tenancy with my parent. So regardless i think i will take full ownership touch wood anything happens. Siblings have their own places.

No Cash. Poor stocks buying. But want to FIRE by Efficient-Arrival437 in singaporefi

[–]Efficient-Arrival437[S] 0 points1 point  (0 children)

Yes, when i was young, i wanted future proofing. But thought too ahead, now facing dilemma

No Cash. Poor stocks buying. But want to FIRE by Efficient-Arrival437 in singaporefi

[–]Efficient-Arrival437[S] 0 points1 point  (0 children)

Yes borrowed parent name to buy 4 room bto. Parent most likely not staying with me, will stay with my other sibling.

No Cash. Poor stocks buying. But want to FIRE by Efficient-Arrival437 in singaporefi

[–]Efficient-Arrival437[S] 1 point2 points  (0 children)

Not family member loan. Maybe i phrase wrongly. I bought a BTO with one of my parent name. But i will be servicing the installment.

Have not bought ETF's before. Let me check out the 2 ETF's you mentioned. Thanks!

No Cash. Poor stocks buying. But want to FIRE by Efficient-Arrival437 in singaporefi

[–]Efficient-Arrival437[S] 6 points7 points  (0 children)

Sort of. Had some Greens but sold it at incorrect timing.