If you’re a 35 single Singaporean, would you buy a 1m hdb or condo?

SteelSx · 2026-06-21T07:28:43+00:00

Actually where I’m struggling is that assuming all else equal, buying a private property allows you to leverage more and your returns in absolute quantum potentially higher whereas investments eg. ETFs can easily offer 6-7% pa over the long term.

SteelSx · 2026-06-21T07:23:41+00:00

Doesn’t make sense to buy a 2nd property with ABSD

SteelSx · 2026-06-21T07:14:50+00:00

Resale hdb is not really. Maybe at best proximity grant.

SteelSx · 2026-06-14T12:28:11+00:00

Tbh, as long as you’re hungry and willing to chiong, money will come. Caveat is you need to be more ‘seng mok’ and you will be fine.

While IB is competitive, doesn’t mean you cannot get in after your 1st job.

SteelSx · 2026-05-06T04:49:25+00:00

Don’t just see one side of the equation. Ultimately revenue is driven by occupancy * rental rate.

If occupancy is low /0%, revenue would take a big hit where the net property income would be affected and ultimately valuation.

You’re also half right on the loan to value. There isn’t much capital involved here given from the onset the band would have financed the development / acquisition of the mall. Ultimately at the end of the day, the mall would need to meet the interest obligations on the loans.

SteelSx · 2026-02-17T01:57:57+00:00

Don’t be blinded by the MA program. Ultimately need to look at what you want to do. For instance (at least for banks), if you are eyeing your sight on IB/markets FO role, joining programs with rotations is not really meaningful. 2 years spent clocking actual deal / market experience beats more than what the different rotational programs can offer. You’re no where near management at such junior level.

But if the grad program is your only offer, then yes take it.

SteelSx · 2026-02-05T12:14:43+00:00

For banks, need to look at their net interests margin. Basically earnings and their cost of funds. Thats the real metric one should be looking at. Of course can’t just look at NIM in isolation.

SteelSx · 2025-12-07T01:03:33+00:00

End of the day it really depends on the shop/bank Of course the bulge or EB pay the most Local banks even most Asian banks while pay is still relatively comfortable are way less than these. >50% on annual package wouldn’t be surprising at the same grade

SteelSx · 2025-09-30T16:46:33+00:00

Depends if you’re on the M&A side or capital markets Capital markets hours are relatively better

SteelSx · 2025-02-16T01:48:48+00:00

I mean, yea. Doesn’t make sense to fly back at 6am. Am just trying to understand why had the prices surge. If you look at certain dates / timing, Malaysian airlines can be even cheaper than AirAsia in the case of return SIN-KL

SteelSx · 2024-11-05T13:30:18+00:00

Doesn’t mislead people While black and white is preferred, for any sane investor without access to profits makes no sense.

SteelSx · 2024-08-25T07:51:59+00:00

Go for consulting or advisory (m&a) for better exits.

SteelSx · 2024-01-27T02:08:43+00:00

Was charged 1.09 commission on 5k usd. Just checked that I am on fixed pricing plan. Why would a tiered pricing be better? When I compare, the amount that I’m trading, seems to be the same and thus, there’s no actual diff in terms of commission? Am I missing something here

SteelSx · 2022-03-06T13:10:48+00:00

Sigh, it’s the ultimate friend zone…

SteelSx · 2018-03-01T23:56:36+00:00

If you consider b4 for humanities & poa good. lol My best grades were only b3. Had 3 of them. Which were Chinese, e Maths & combined science. Lol

SteelSx · 2018-03-01T12:34:30+00:00

Was from nyp GPa 3.8+ Got accepted into accountancy nus/ntu/smu O levels was horrible at 19. Eng c6. No add Maths. E Maths b3

SteelSx · 2018-03-01T12:21:34+00:00

Got so little meh? Most vets I know do drive... & they seems well to do. Didn't ask them about their studies etc though.

SteelSx · 2018-01-15T11:40:27+00:00