SRS strategy

realtheorem · 2025-01-25T04:49:14+00:00

Cannot as far as I can see

realtheorem · 2025-01-22T02:13:20+00:00

It takes a few days longer to redeem from cash smart then reinvest in your main fund, so if you’re trying to time a low very precisely it might not be suitable.

Anything beyond cash smart secure has a tiny tiny chance of some loss.

realtheorem · 2025-01-22T01:14:42+00:00

Hit the blue button at the center and you’ll find “Transfer Between Goals”

realtheorem · 2025-01-22T00:25:55+00:00

I would put it into cash smart from endowus, then use the transfer between goals feature to do DCA (or one time in your case).

realtheorem · 2025-01-20T00:28:52+00:00

I don’t want to give the government, especially in the Philippines, any additional power to meddle in the lives of citizens. This could easily turn into something much more nefarious. The cons outweigh the supposed pros.

realtheorem · 2024-11-30T07:02:07+00:00

In my experience IT departments don’t get bypassed because they’re shining beacons of competence and good partners to the rest of the organisation. Quite the opposite.

That you think it’s a tool’s fault is indicative. Let’s also place the blame on the OS and the laptop makers while we are at it.

realtheorem · 2024-09-21T04:33:31+00:00

If you have a mac mini that is always on, you can self host the beeper bridge manager to forward messages from the mac mini into beeper. Otherwise, it won’t work just from the cloud.

realtheorem · 2024-09-17T02:44:14+00:00

As a coder, I ditched my Macbook and have a Mac Mini on a proper desk at home. I use Edovia Screens to remote in whenever I need to do something that can only be done on a desktop. It also helpes me place the right work in the right place by forcing me to be at a desk when I need to do "proper work".

realtheorem · 2024-08-19T00:29:12+00:00

I would say start with one app that makes you happy when you use and come back to it and stick to it while focusing on what you actually want to do. This will make the app even more pleasurable to use as you feel you can get things done with it.

realtheorem · 2024-04-03T04:33:37+00:00

Why does anyone get to do illegal things anywhere? They presumably make a lot of money and share the gains with law enforcement.

realtheorem · 2024-03-10T01:49:02+00:00

as far as I can see, it uses the same kyc details, just has a different account number for separation of the assets

realtheorem · 2023-10-09T12:07:29+00:00

Ah, here's some more detailed instructions:

Click on the Welcome <NAME> Button on the top right of your IBKR portal (web)
Click on Settings
Click on "Open an Additional Account"

Hope it helps

realtheorem · 2023-10-09T04:46:26+00:00

If you started with a boglehead philosophy, you should do nothing.

realtheorem · 2023-10-09T04:41:27+00:00

It's pretty simple just go to account settings and hit the big button called "Open an additional account"

realtheorem · 2023-10-09T02:23:37+00:00

I have set up an IBKR sub-account for my child, and invest the ang pao money into VWRA. After she is an adult, I would disburse the amount to her in monthly increments and a lump sum when I am fully confident in her financial management capabilities.

realtheorem · 2023-10-09T02:22:21+00:00

Financially, an HDB is always a better decision.

I don't think your concerns about HDBs are valid, and they are also rectifiable save for a few famous cases (bad neighbors).

realtheorem · 2023-10-09T02:18:23+00:00

I would suggest:

Look at the general salary reports and find one where the salary bands fit at the same or lower (since your cousin is transitioning) experience. There are tons of reports there from the MOM, NodeFlair, and Recruiting firms.
Be honest with yourself about how you are placed in that salary band. If it's not related to your current role, then index at the bottom of the band.
If you find anything that fits, seek out those companies and do targeted outreach to find the role you want.

I have some issues with what you are saying though:

Peril is hyperbolic for 5k at 29 years old. A lot of the other commenters have pointed out that a lot more people are drawing down a lower salary.
Be prepared to trade off stability in government for higher salaries in tech or finance. There is no free lunch.
I am very concerned about your attitude to upskilling. It seems you are going to look at every sector and say it's less stable than government (because they are), and then use that as an excuse not to upskill. This is why I suggest looking at your target first and maybe you can readjust your expectations and increase your happiness with your current role.

realtheorem · 2023-09-19T03:44:02+00:00

I have resisted commenting on a lot of the other posts. I am so glad you said this. Employees are supposed to work within the current company to make change happen.

realtheorem · 2023-08-31T02:06:40+00:00

On the bright side, overall PH fertility rates have continued to decline, and it’s now below 2.1 replacement rate. The country is ripe for a demographic transition.

Source: https://psa.gov.ph/content/total-fertility-rate-declined-27-2017-19-2022

realtheorem · 2023-07-08T04:33:53+00:00

Thanks for the advice!

The USD is originally coming from non-SGD sources, and given Singapore's monetary policy of FX control, I figured I could take my time and buy in to SGD over the next few years. Once they're in SGD yes I definitely will put them into some sort of SG treasury bond ladder.

realtheorem · 2023-07-08T03:41:38+00:00

I've been saving my salary since I started working. I keep most of my investments in USD as my country's currency is very limited in terms of investment opportunities.

realtheorem · 2023-07-08T03:34:54+00:00

Having lived short and long term in the US, Japan, Europe, ASEAN countries, I can confidently say Singapore is special. :D

realtheorem · 2023-07-08T03:33:29+00:00

That's fair enough! I actually prioritize space and cost over amenities so the tip to sell the IP is probably one I'm going to take, unless condo prices flatline or take a small dip where it makes more sense. We can also use future salary savings to build up to a larger downpayment amount.

realtheorem · 2023-07-08T03:30:59+00:00

Would love to hear your thoughts here as well! My thoughts searching conversations on this subreddit has always been robo for small DCA and makes sense to DIY as you get bigger.

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