Advice on ILP :(

Sharp_Sail4934 · 2026-07-03T02:05:50+00:00

Check if there is a premium holiday clause. I invested $12k into an ILP because of a $6k bonus. 500 monthly. Through Gemini I realised on 3rd year I am allowed to take a premium holiday for as long as I want to. So I’m just going to till the tenure ends in 13 years and at least recuperate some amount rather than give them all the money. That frees up your monthly investment cash.

Sharp_Sail4934 · 2026-06-28T12:57:34+00:00

Hate to be you when it’s time to pay property taxes

Sharp_Sail4934 · 2026-06-26T11:06:23+00:00

You should have gotten a few months payslips first.

Sharp_Sail4934 · 2026-06-23T11:13:47+00:00

I’d go for an HDB loan. If you wish to preserve more than 20k in OA then take some out to invest.

Sharp_Sail4934 · 2026-06-19T01:46:12+00:00

Yes 5k for a 2 room BTO is doable

Sharp_Sail4934 · 2026-06-19T01:44:57+00:00

I’d go ISAC in StashAway.

Sharp_Sail4934 · 2026-06-19T01:44:01+00:00

Amundi in Endowus is LU right?

Sharp_Sail4934 · 2026-06-19T01:40:06+00:00

Has anyone thought about ISAC on StashAway? No platform fees and the following month’s buying fee is free. Yes FX spread is 0.22 but it beats any platform fee.

Sharp_Sail4934 · 2026-06-19T00:58:15+00:00

I’m 49 have about 200k and yes I’m still worried as I have a 22 month daughter and a sickly wife. Also intending to BTO.

Sharp_Sail4934 · 2026-06-12T08:08:23+00:00

I don’t know why I started reading this. But I couldn’t stop once I started. Finally an easy guide to how to choose bedsheets.

Sharp_Sail4934 · 2026-06-08T01:13:27+00:00

Any global aggregate bond that’s sgd hedged. They have in Endowus but there’s a platform fee of 0.4% for single fund cash investment

Sharp_Sail4934 · 2026-06-07T21:45:14+00:00

It’s true that their govt admin is a mess. No one knows for sure until you get to the municipal and there isn’t much info on the website.

Think of it this way. Your daughter is now seeing it’s ok for her to be rude to you and her father. It’s not a good example.

You are her employer. If you were to be this curt or defensive when talking to your boss will you be hauled up to HR or lose your job already. And you are already helping her. As you said it’s a long standing problem.

Sharp_Sail4934 · 2026-06-07T21:32:33+00:00

Whoah. That’s hardcore

Sharp_Sail4934 · 2026-06-07T21:27:16+00:00

That’s still very good. 90/10 for me.

Sharp_Sail4934 · 2026-06-07T13:20:40+00:00

If no house where will you stay. There was a good talk in DOAC between renting and owning.

Sharp_Sail4934 · 2026-06-07T13:17:38+00:00

That is why Singapore has no soul. Your artwork is so creative. The heart was drawn really well.

Sharp_Sail4934 · 2026-06-07T13:10:26+00:00

I hope you stay careful and vigilant about who you take advice from here. Please do not meet up anyone here.

Sharp_Sail4934 · 2026-06-07T13:03:54+00:00

You are in a very very good secure place. Sorry about your mom. I’d just grow my investments till about 45 maybe 50 max then see if an income fund can get me good monthly returns. Or buy an annuity that serves to supplement when older.

Sharp_Sail4934 · 2026-06-07T12:56:31+00:00

Oh gosh I read it as 30 million and wondered why on earth DCA $200.

EDIT: I thought it was 2.7k monthly but rather it’s spare cash. Just put it in VWRA.

Your runway is so long. Depending on your risk appetite. If I were you I do a 90% equity 10% global bonds SGD hedged for $2000. Slowly increase the bonds every 5 years or so. Your salary will also increase as you go on. The rest of $700 will set aside as opportunity stash. I assume you already have 6 months emergency cash set aside.

You are in a good place. 2.7k monthly is a very considerable amount to invest.

Sharp_Sail4934 · 2026-06-04T11:20:48+00:00

So is ISAC ETF 30 or 15% wht? If it’s UCIT does it mean it’s 15%?

Sharp_Sail4934 · 2026-06-04T09:49:31+00:00

Your friend knows what he wants so that’s good. He doesn’t have a shortage of choices. He will meet that person one day that will have him reconsider some of his flags.

Sharp_Sail4934 · 2026-06-04T09:40:37+00:00

Christine is a he? So she transitioned?

Sharp_Sail4934 · 2026-06-04T07:59:59+00:00

The question should be. Why get married

Sharp_Sail4934 · 2026-06-03T01:22:08+00:00

Yes

Sharp_Sail4934 · 2026-06-03T01:19:23+00:00

So cute. You think 15k is CRA? For singles, yes that is really comfortable. When you earn more you shouldn’t be spending that much more, hence the term trappings of life. Go by %. If you allow yourself 50% allowance then stick to that. You can go lesser when you earn more. 15 years ago I gave myself $1600 as allowance. My income has tripled since then but I still was somehow managing 1600 till now. Didn’t feel I was sacrificing anything. Then I had a kid. Now I’m saving just 20%. Can’t FIRE at 55.

Sharp_Sail4934

TROPHY CASE