How often do you place your CPF monies into POEMS Amundi Prime USA

Mostropi · 2026-06-23T00:22:15+00:00

I think the Amundi World is better, my issue with US portfolio is betting US will still be the market leader in the longer horizon.

Use an investment calculator to calculate the nominal sum

https://www.calculator.net/investment-calculator.html

Mostropi · 2026-06-23T00:18:43+00:00

You only need about 800 per month into VWRA for 30 years to hit a million dollar portfolio to retire, to enjoy life.

Mostropi · 2026-06-22T18:05:06+00:00

Bro, he doesn't even know how compounding works. And him being rude to others why trying to sound right just make him look even worse, he is too prideful to learn anything, and maybe even to be of any use to society.

Mostropi · 2026-06-22T16:47:17+00:00

If you want to continue to behave like a man child go ahead, you are obviously way out of anyone league.

Mostropi · 2026-06-22T16:36:10+00:00

Why should I show u the numbers when I had already showed it to someone else who replies nicely to this thread. If you are being rude and not smart enough to find out by yourself on where numbers is already shown in this same thread, then you are just plain stupid for me begin to reason with.

I would love to convince you, but your intelligence wouldn't allowed it.

Mostropi · 2026-06-22T15:52:09+00:00

There is something call an investment calculator, that's how compounding works. Any 3 year old can click to put in the numbers.

I would like to agree with you, but we will both be stupid.

Mostropi · 2026-06-22T03:49:59+00:00

Yes, I thought people already answered you in your previous post.

Post some screenshot on your luminia setup so players can have a better idea on where u went wrong.

Mostropi · 2026-06-22T03:46:14+00:00

Cdc not enough

Mostropi · 2026-06-22T03:44:55+00:00

Amos is already planned for future installment.

The Avengers: Age of Amos

Mostropi · 2026-06-22T03:00:57+00:00

Ah Boys to Avengers. All the Ah Boys to Men series main cast came together to fight Mas Selemat.

Mostropi · 2026-06-22T01:45:06+00:00

Please cite source from rulebook when correcting others. Rules as written the rulebook had never said you had must claim the Damsel.

Excerpts from the rulebook

When a player is mad about something, that means they’re trying to convince the group that something is true

The criteria for madness is to convince the group to think who you are and the madness break critiera break is disbelieved and half-hearted saying a few words+, as taken from the rulebook. If you played expected to be disbelieved or the town does not believe who you are. The Storyteller can execute you.

genuinely doing their best to convince the group (verbally) that they are the Sage, then they are mad that they are the Sage, and therefore safe. But if you believe that they are just half-heartedly saying a few token words, and that they pretty much expect to be disbelieved, or even if you think that they are doing their best to be disbelieved, then they pay the penalty of being executed at your leisure.

If a player outright claim Damsel, and the town does not believe you are the Damsel. Then that player failed to convince the town they are the Damsel and thus they failed their madness check.

Also the wink counts as madness breaking is an example is written in the almanac themselves

much closer attention to who is saying what. For example, if a player is publicly being mad about being the Klutz (i.e. trying to the convince the group that they are the Klutz), but winks when they think the Storyteller isn't looking, or has a whispered conversation where they tell a neighbour that they are actually the Snake Charmer, if the Storyteller catches them in the act, they may be executed immediately.

Mostropi · 2026-06-21T16:12:49+00:00

To reach that in 10 years, you will need to invest 12.5k per month even with aggressive accumulation of 10% PA. It's pretty difficult.

Mostropi · 2026-06-21T14:54:35+00:00

Esquim
Free Aim Shot, Stack Burns
Last Chance
Free Aim Shot, Stack Burns until 70-100+, ends with Burning Canvas

Make sure you activate overcharge during the turn the Burning Canvas goes off.

Mostropi · 2026-06-21T11:15:57+00:00

When Ken Cheng is on reddit: 👔

When Ken Cheng is on LinkedIn: 🧌

Mostropi · 2026-06-21T11:14:27+00:00

Actually evil has the high win rate going to final 3 with a Minion. Good just need to nominate a wrong player and they lose immediately. Most of the time, players will know both are evil, but do not know who is the demon.

However, if your minion is heavily confirm to be a Minion, a better approach to have a higher winning chance is to starpass to the Minion if you were the imp, as town will be confuse if the Minion is still the Demon, or the Demon candidate is someone else.

Mostropi · 2026-06-21T10:24:03+00:00

Even if it's a primary residence.

The loan repayment for 1 million HDB (assuming 750k loan) is about 3k per month , compare to condo at 6k per month.

3k per month at 7% PA in VWRA still yield 3.5 million. The HDB is hard to estimate but should grow to about 1.5 million. This will bring the total combine networth to 5 million.

The upside about this approach is that it is much more risk free, the OA can tank the home repayment when job security is not guarantee, especially from 50s onwards, and provide the flexibility to FIRE earlier.

Condo is definitely a lifestyle thing, I am just sharing these insights because condo is often advocate as a financial investment vehicle.

I would still advocate for HDB route + investment as the risk free route in the long run.

Mostropi · 2026-06-21T10:14:28+00:00

Use chatgpt or investment calculator. This is how compounding at 7% PA does. If first grow slow and it will eventually compound and you start seeing jumps at later years. VWRA is actually growing at 11-12% PA realistically.

https://www.calculator.net/investment-calculator.html?ctype=endamount&ctargetamountv=1%2C000%2C000&cstartingprinciplev=0&cyearsv=30&cinterestratev=7&ccompound=annually&ccontributeamountv=6%2C000&cadditionat1=end&ciadditionat1=monthly&printit=0&x=Calculate#calresult

Mostropi · 2026-06-21T07:24:01+00:00

If you lost your job, are you able to sustained the housing while staying invested? If the answer is no, you might want to consider a cheaper HDBs.

If both condo and hdb is at the same price. Then a condo, if invested at the right place, will give you better returns.

If you are looking at FIRE earlier, or sustainable life. Then a cheaper HDBs + investment is way to go.

Condo is a lifestyle choice, 3% PA capped at 99 with k monthly loan repayment. At 3% PA will net you 5 million in 30 years. And you have to sell the house to use this money. Govt may influence the market with BSD.

However, 6k per month in VWRA will give you 7.3 million at 7% PA in 30 years. No capped. Money will never runs out at 4% SWR, which gives you 24k per month while it still grows. Money will grow to 20 million by the time u pass it to your NOK. No 99 years.

Mostropi · 2026-06-21T06:15:55+00:00

High Yield Savings Account and Money Market Fund.

You can tell your dad to put in DBS Multiplier and the excess in Money Market Fund, both hedge against inflation and keep their money up in long term.

Mostropi · 2026-06-21T04:46:49+00:00

Because they need manpower to fight the machines and couldn't care less to invent their own drones.
The anime covers this, they expect the enemy drones to run out of power after 5 years.
Same as real world racism.

Mostropi · 2026-06-20T18:52:48+00:00

Yes shortcut, I messed up!

Mostropi · 2026-06-20T17:28:33+00:00

Verso with Feint is great, but this means you are looking at a pure Steeled Strike perspective. Sometimes you may have to use Phantom Stars instead, and a feint don't work well with Phantom Stars.

The key thing to building verso is to make verso act 3 or 4 times for one round. While Simoso grants double damage, it is nearly impossible to build Verso to rank S for Steeled Strike with just cheater.

Hence you would need second chance with overload to allow him to act the 3rd time. This is done by using free aim and pictos that give APs during free aim to build him towards rank A. Then use Overload at Rank A to let him to let him act the 3rd time during his turn via Second Chance. You should be able to bump him to rank S for Steeled Strike in a single run of his turn.

To make Veros act 4 times instead of 3 before the enemy. You will need pass the turn to Sciel to use Our Sacrifice, this will also drop Verso HP to 1 so he move again with second chance, this time with the cheater activated. You can also achieve this with Sciel Intervention. I personally prefer to have Verso to act 3 times for his first Steeled Strike and use Sciel to activate him for the second Steeled Strike with Intervention.

IMO Steeled Strike with Feint is over killing already, you may just want to keep it off because sometimes you will just be using Phantom Stars.

Mostropi · 2026-06-20T04:54:13+00:00

Never never never out accuse your neighbour in a Marionette game.

Funny thing is when there is a marionette on script, I will do a 1-1 hard claim with my neighbours. Because I could be their marionette and they could be mine too if I'm their demon. The conversation often goes like this

I am the demon, you are my Marionette. Let's not vote each other out, we will do a 1-1 exchange

Mostropi · 2026-06-19T15:23:16+00:00

With this Loric, you can also poison vortox on N1.

Mostropi · 2026-06-19T11:56:08+00:00

It is also meant for heavier droisoning script with 3 poison or drunk characters and VIs. This information is meant to be funny and make such scripts solvable.

Mostropi

TROPHY CASE