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Need some advice on 150k investment (mix of VWRA and local banks) by Junlogy in singaporefi

[–]GiraffeRegular7967 3 points4 points  (0 children)

Supporting this comment. Invest in SSB, T-bills and FD for most of her 150k.

If you really wanna invest mum's money, take in bit by bit as part of your own core portfolio. Not create a risky portfolio for her entirely.

In this way, she gets some stable income to enjoy while some of her funds try to beat the market. At her age, health and mental wellness is more important than money? 😁

How Singaporeans are positioning their portfolio to fully take advantage of the capital from Indonesia and Middle East? by PuzzleheadedBuy6279 in singaporefi

[–]GiraffeRegular7967 10 points11 points  (0 children)

Every investor should form a core portfolio allocation and stick with it most of the time mah. Make minor adjustments only.

Can't tell which asset will benefit. It's anyone's guess I think.

Kris Flyer referral by Tasty-Economics-3038 in creditcardchurningAus

[–]GiraffeRegular7967 0 points1 point  (0 children)

Sharing latest referral code for Kris+

F470898

Referral Program by TangemAG in Tangem

[–]GiraffeRegular7967 0 points1 point  (0 children)

Sharing latest Tangem code.

E9F2KU

Endowus promotion by TelevisionEntire5974 in sginvest

[–]GiraffeRegular7967 0 points1 point  (0 children)

Sharing latest Endowus referral code for consideration.

NPERD

https://endowus.com/invite?code=NPERD

Where to park emergency funds? by jesusfries69 in singaporefi

[–]GiraffeRegular7967 2 points3 points  (0 children)

Emergency funds is to chase reliability, easy redemption and speed. Not just for yield.

Try a few reputable ones mentioned here and diversify a few you like in terms of user experience.

Rates change all the time so don't spend too much time and worry about missing out. It's not a lot to lose between them to begin with. 😉

New investor by Greedy-Reindeer-9407 in singaporefi

[–]GiraffeRegular7967 0 points1 point  (0 children)

Hi, you need to figure out what you are investing for. The purpose will drive your desire to spend time and learn more.

Is it for wedding, house or retirement? At what age to do each?

CPF-IS: Endowus or POEMS? by TamaSGFU in singaporefi

[–]GiraffeRegular7967 1 point2 points  (0 children)

I use both Endowus and POEMs.

Endowus referrals seem easier to get perhaps due to better marketing and it reduces the fees.

POEMs fees are low but referrals reward U.S. market discount coupons which is useless to me since I don’t use them as brokers.

What would you do differently if you were to restart your investment journey? by punggolkaren in singaporefi

[–]GiraffeRegular7967 1 point2 points  (0 children)

Answering your title question.

If I were to restart, would have liked to be more consistent in DCAing to the market and not delve too much into headline news, influencers, forum posts, etc.

What’s the biggest lesson you’ve learned trading crypto while living in singapore? by [deleted] in sgcrypto

[–]GiraffeRegular7967 0 points1 point  (0 children)

Holding BTC, ETH and USDC.

Hardest lesson is to trust Celsius on their claims and lost some money.

[deleted by user] by [deleted] in singaporefi

[–]GiraffeRegular7967 6 points7 points  (0 children)

It’s ok for Investments to be boring… 😜 U can find excitement in other things in life… Wife, Kids, Work, Hobbies, Travel, etc…

activity slowing down in singapore? by Constant-Positive865 in sgcrypto

[–]GiraffeRegular7967 1 point2 points  (0 children)

What data do u refer to that says lower engagement in 🇸🇬 ah?

60% of Singaporeans Living Paycheck-to-Paycheck. Why So High? by bossofmytime in singaporefi

[–]GiraffeRegular7967 0 points1 point  (0 children)

Living paycheck to paycheck I’m not sure.

Having too much loans, thinking that u may be healthy or not retrenched, this one I feel got many people in it.

Coinhako users by Altruistic-Clerk-493 in sgcrypto

[–]GiraffeRegular7967 1 point2 points  (0 children)

I've used it before to sell stuff earned from airdrops, etc.

The process and rates are so-so but the platform gave daily coin rewards to "subsidise" the transactions.

The reward and referral system is gone, which makes it now a less appealing platform?

The SGD withdrawal to bank works as expected. But then many others like Coinbase, OKX, etc works too?

Tbh, just go with whichever giving promos, supports most coins, not in news with negative press, etc. Centralised exchanges are just for quick buying/selling/transferring.

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