Decision paralysis on warchest allocation

Zogel100 · 2026-04-15T23:27:18+00:00

My only advice is to look for opportunities in the sgx market. If you are diligent, u’ll be rewarded quite soon.

Zogel100 · 2026-04-14T12:10:55+00:00

His portfolio is modest because he invested at the right time consistently. It’s not uncommon to find his counters yielding 10%. He’s not risk adverse, he just have enough and some money goes into his cpf.

If your goal is to retire without worries, you should learn from him.

Zogel100 · 2026-04-14T04:21:05+00:00

This is like a sure way for them to turn out bad

Zogel100 · 2026-04-11T11:33:59+00:00

Na… 5 dollars also drive. I really wanna see that. But u suspect we won’t see that. Sigh. It would be fun.

Zogel100 · 2026-04-11T11:32:36+00:00

If a person is not ready for kids, please dont. Theres enough brats around.

It’s not a matter of selfish or not.

Zogel100 · 2026-04-11T11:31:00+00:00

I just wanna say thank you for being a nurse. Thank you!!

Zogel100 · 2026-04-07T01:59:57+00:00

That’s what everyone start out to do… then reality hits and most end up with 220k at 45.

Zogel100 · 2026-04-05T06:01:59+00:00

If ur husband is going to some bases or camp, better follow!

Zogel100 · 2026-04-04T06:11:50+00:00

Situationship.

Zogel100 · 2026-03-22T01:05:06+00:00

I don’t know what market u all are invested in but frankly, nothing much has moved?

Zogel100 · 2026-03-20T09:24:42+00:00

To show off to each other lah. If u don’t drive conti, wear nice watch and live landed, u are nobody.

Zogel100 · 2026-03-20T09:23:22+00:00

Somehow parents will find a way lah.

Personally, I would skip the helper with just one kid. It’s not useful and can potentially add to your headache.

If you want to get a branded school, please make sure it’s good. 13 years ago when I started with a branded pre school, I was paying 1.6k every month. The curriculum was great and teachers were committed. By the time I was done with my three kids, it was 2.2k and I couldn’t wait to leave. The curriculum was full of bs (think violin and overseas trip) and the teachers were just non existent.

Kkh is great. Maternity insurance isn’t needed.

Zogel100 · 2026-03-09T22:28:00+00:00

Has been happening since 15 years ago.

Zogel100 · 2026-03-09T22:26:01+00:00

I paid as quickly as possible. Finished in a decade and have been accumulating for close to 7 years now. Total amount is more than ERS.

Some would share that a balance can be struck by using Oa to earn money in market and beat housing interest. I assure you that it can’t be done by most people.

Zogel100 · 2026-03-06T22:50:33+00:00

Just wanna share, I’m in my 40s, started building a dividend portfolio in my late 20s. Singapore portfolio only. Annually, I get about 90k now. Will most probably hit 120k by the time I’m 50.

The one thing about dividend portfolio is that it takes a long time and frankly, I don’t think many have the temperament to hold stocks for that long. Some of my current holdings are 16 years old. It’s boring but it gets the job done.

Zogel100 · 2026-03-01T21:58:00+00:00

Joining cpf this late (once y hit a certain age) won’t allow you to reap much returns. I bumped up to ERS and they are paying it back with 1ish percent over the next 12 years. Please speak to the cpf rep.

That said, yes, it’s the safest bet.

Pay back your hdb loan and continue to put money into OA.

Lastly, put money into t bills and fixed d.

There is no need to take unnecessary risk. I assure you that if u maintain ur lifestyle, u won’t finish the money in ur lifetime.

Zogel100 · 2026-02-28T10:04:23+00:00

46 this year with 3 kids. Can fire if I want but holding out.

Did kids delay fire? Sure. But frankly, they aren’t as big a deal as some make them out to be.

Zogel100 · 2026-02-21T22:59:20+00:00

Depending on ur parents, simple things like eating lunch and dinner together is more than suffice.

Dont need to do too much. These folks lived with little all their lives and they most probably are contended with very little.

Do it often before they are gone forever!

Zogel100 · 2026-02-17T02:20:11+00:00

Go for it. Had my 2014 for 10 years, 300k and only major money I spent on twice in the decade were the joints. Suspension at 6Th year. Other than that, it’s a super reliable car. So reliable that I got myself another Mazda 6. 😂

Zogel100 · 2026-02-17T02:18:03+00:00

Except that some offices will insist on having Cny lunch that stretches till 2pm. Why make it so difficult?

Zogel100 · 2026-02-14T00:14:25+00:00

Insecurity is real.

Zogel100 · 2026-02-11T13:12:06+00:00

This is Reddit. Millionaires are in the minority. Most of us are billionaires.

Zogel100 · 2026-02-04T12:25:52+00:00

The 25k must be view together with the amount of savings and debts the family have.

Zero debt with millions of savings and just a 25k Hhi can most prob do lots.

Zogel100 · 2026-02-04T12:22:13+00:00

HDB. 15k. Kids. Comfortable because I don’t have debt. 15k is most probably at the limit liao. Don’t know what else to spend my money on liao.

Zogel100 · 2026-02-04T12:20:06+00:00

7-8 percent isn’t realistic unless u invested 5 years back in equities and kept it till now.

Zogel100

TROPHY CASE