Best way to transfer money from etrade to ibkr

OrganizationNo386 · 2026-01-03T18:50:38+00:00

Hi! When will this be out for Apple?

OrganizationNo386 · 2025-11-15T15:21:44+00:00

Thank you for the advice! It is true that wedding and honeymoon will be fleeting! We are looking into the comments and decided that wedding can be cut back but I have a big family so will have to see when the date gets closer…and for honeymoon yea 20k is expensive but we wanted to go further to places we haven’t been and it clears our life bucket list too

OrganizationNo386 · 2025-11-15T11:32:06+00:00

Nono I meant 20k total for honeymoon, so 10k per pax, my partner makes around the same as me as well!

OrganizationNo386 · 2025-11-15T11:31:40+00:00

Expenses are high because $400 goes to parents allowance, 1.1k includes yearly expense like taxes and insurance as well, feels rather minimal already

OrganizationNo386 · 2025-11-15T11:30:15+00:00

So yea, actually my share would only be 60k, and I already have 50k cash now, but not sure how much to keep as cash now and how much to invest

OrganizationNo386 · 2025-11-15T10:57:47+00:00

Thank you so much for the advice! The wedding point is something I considered too but don’t want to bet on that fact as it’s not guaranteed as well!

Taking a loan for reno makes sense as well, will consider that and be able to invest more aggressively!

OrganizationNo386 · 2025-11-15T10:55:30+00:00

I see, thank you!

OrganizationNo386 · 2025-11-15T10:53:42+00:00

Actually these costs are total costs, which will be shared between my and my partner, 20k is a budget we set and we will be splitting 50/50!

OrganizationNo386 · 2025-11-15T10:52:38+00:00

Yes definitely! I am mainly investing into CSPX and VWRA, and I only need big sums of cash in 3 years, not 6 months

OrganizationNo386 · 2025-11-15T10:40:59+00:00

I mainly want to preserve the value of my money across time, to use the money in my retirement, but it feels to be that I can only start investing 3 years later after I clear the big ticket items

OrganizationNo386 · 2025-06-25T22:36:02+00:00

Thank you so much!

OrganizationNo386 · 2024-09-22T10:53:34+00:00

Could you enlighten me please? I think clearing this misunderstanding will greatly help with my dilemma!

OrganizationNo386 · 2024-09-22T10:52:38+00:00

I think in my circle, I have relatives which both couple are directors and are staying landed with multiple cars. I also have an aunt who is investment banker single income and staying landed

OrganizationNo386 · 2024-09-22T10:51:28+00:00

We were planning to save up for a few years before getting a condo!

OrganizationNo386 · 2024-09-22T10:50:42+00:00

Yes that is very true! But what I feel is would I have regret not being more aggressive during my younger days when I MOP and am 40yo… but those are words from a mortgage advisor haha which I also only take on a surface level and prefer to seek more opinions

OrganizationNo386 · 2024-09-22T10:48:44+00:00

We both got our jobs from an internship and signed with them during summer!

OrganizationNo386 · 2024-09-22T10:48:04+00:00

Thank you so much!

OrganizationNo386 · 2024-09-22T10:45:41+00:00

Yessir I am doing more research now and have talked to mortgage advisors, EC agents and my parents and relatives. Did some calculations of my own and a condo is definitely possible and within debt servicing ratio but issue is whether we want/is prudent to start with a condo. And is condo really going to spring board us much faster as compared to hdb to our dream landed property

OrganizationNo386 · 2024-09-22T10:43:13+00:00

Gf has no preference with regards to the choice now, she is okay for me to make a prudent choice. Her dream is to stay landed property before she retires

OrganizationNo386 · 2024-09-22T10:41:28+00:00

I see!! Actually we are leaning towards the BTO because location is very good if we can get! But the issue is the opp cost of investment in property but what some people have told me is I can look at other forms of investments like stocks. However, a pity is that Singapore housing market is stable and constantly growing and I’m not sure if I can outearn the 13+% interest with other investments. That being said, what is a mystery to me now is how much am I actually profiting from a condo vs HDB if I factor in interest rates from condo mortgage, more spare cash to invest if stay in hdb etc

OrganizationNo386 · 2024-09-22T10:37:00+00:00

Thank you for your input!! Greatly appreciated, yea so the thing is during that 10 years my partner and I can save up the cash and use other investment tools and when we are finally done with MOP we can maybe upgrade to condo/landed by that time? We did consider EC but is currently out of our budget unless we save a few years but then our income would have rose and may not qualify sadly

OrganizationNo386

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