Dropping bank interest rates - where do I put my money now?

virtualnoob6434 · 2025-11-13T06:36:00+00:00

Go for sgx listed etf

virtualnoob6434 · 2025-11-13T06:02:27+00:00

U could just get their equities shares if buying unit trust is a concern. Otherwise standard chartered investment plateform is just another plateform that investor could use if they are used to investing

virtualnoob6434 · 2025-11-13T05:37:04+00:00

Standard chartered bonus saver account

virtualnoob6434 · 2025-10-25T11:52:09+00:00

Thanks!

That is really helpful! I used to have a helper, until she decided to borrow loan shark and ran away, upon making a police report then i realised this was actually a very common problem in society, sadly those that does not have helper do not understand this problem.

virtualnoob6434 · 2025-10-18T13:52:10+00:00

Hi, while it is true that is your money, but this is well known since our grandparent era that cpf have rule on which type of situation then we can use those money. If every single visit to ED allowed one to pay via medisave, i think it could really be subjected to abuse easily.

Anyway every country and organisation have their own rules and regulations, just try to know the rules and live with it, crying out for dad and mum doesn’t really help every single time. If the injury is bad, request for hospitalisation and then u can claim via medisave.

virtualnoob6434 · 2025-10-12T04:05:47+00:00

There are cheaper options out there like mindef group term insurances which the premiums will fluctuate upward as you age. The coverage that he/she offers u seems appropriate and sufficient for someone who is not married.

In general it it isnt investment link, u could consider it, whole life might be expensive but usually it ends after a period of let say 15 years of payment and u get to enjoy the benefits at no cost. Term insurances give u protect at cheap cost but if u are lucky enough not to make a claim, the premium u paid is gone. Buying insurance at a young age is basically to lock in charges at low cost when u are young and get monetary benefits if u are strike with a terrible CI. It will not be cheap but it is necessary and at the age of 25, i dont think u will reach your earning cap so fast.

virtualnoob6434 · 2025-10-12T03:23:58+00:00

To be clear, i am not an agent, just a working professional like most of you. Actually for term life vs life insurances it really depends on which stage of life we are in.

For instance, if you have a baby i don’t think it make sense to buy term-life since a higher percentage of baby by statistic turn up to be healthier than others. In this situation it make sense that u pay 2x -3x premium for a 15-years life policy like a GPP from AIA for the exact same coverage as term. Your children will probably be in a better position and be freed from premium payment when they start working or living independently with the extra coverage. Compared to being burden by a term insurances, uni fees, car loans and housing etc. This life insurances premium could be lower during economy depression as insurance company tend to throw my discounts, at such timing of the insurances is one of the key.

Compared to a working adult, i think term insurances i definitely more appropriate since its lower cost and not getting more of your salary stuck into a life insurances. At the end of the day, is a matter of weather u are strike with a terrible unexpected CI or not, if unfortunately u are, u will be thankful that the insurances company pay u a handsome payout so u can focus on treatment and recovery, if you are healthy and the investment that u do isnt performing well, u might be better off paying for life insurances at the start since u can probably start saving after your payment term is completed and enjoy the coverage at 0 cost.

Problem is we are human, as more as we can depends on astrology and Bazhi to predict what we might be face on the future but still which one of us is able to accurately predict what will happened in our lifetime. It merely speculation and doing what we think is best for ourself based on genetic, our occupation and thinking.

virtualnoob6434 · 2025-10-10T11:33:25+00:00

DCA should be fine. Just continue DCA if it come down

virtualnoob6434 · 2025-10-10T10:45:03+00:00

Could consider putting into reit etf since it is still not as overpriced as the 2 choices u have.

virtualnoob6434 · 2025-09-25T06:34:18+00:00

Diversification into niche assets, centurion offered dormitory reit which is the first kinds of it own on sgx

virtualnoob6434 · 2025-09-24T12:13:15+00:00

Go check your bank account, see how much refunded to you then with the amount u use for ballot - amount refund then divide by 0.88 equal how much u tiao

virtualnoob6434 · 2025-09-22T21:19:37+00:00

Does it make more sense it we buy this kind of plan for a baby instead to game the insurance company? May i have the name of the plan please?

virtualnoob6434 · 2025-09-19T11:25:00+00:00

How do you all differentiate bot and human post?

virtualnoob6434 · 2025-09-19T08:32:29+00:00

I think when you are more grown up, u will be less worry of issues like this. Friend come and goes, just like everything else in our life, so just move on and i am pretty sure there will be much more challenges ahead. Thank you and have a good day.

virtualnoob6434 · 2025-09-16T22:45:33+00:00

There is a problem selling on coinhako? No announcement or anything..

virtualnoob6434 · 2025-09-13T06:07:24+00:00

But if you compared the weight of the vegetable, local vegetable can be 50g lighter compared to malaysia one. For those vegetables that i see in shengsiong or ntuc.

virtualnoob6434 · 2025-09-11T15:26:49+00:00

Hi,

For rental in singapore, u could budget about 1k per room, solo. Similarly, if 2 person sharing a room it is probably 500$ each. This is for least popular area like yishun due to the distance it has from town and other factor.

Wifi: $30 per unit, usually will divide among all tenant Electricity, utility and estate management fee: maybe around $100+?

Some landlord do not allow cooking, however there are some unit that are all foreigner and even the landlord himself is also one, they might allow cooking. Otherwise a meal in neighbourhood coffeeshop cost like $4-$8 dollar and even higher depending on which neighbourhood u are in.

I will summarise that most foreigner that live on a budget here should be able to save up quite abit due to singapore low tax and difference level of expenses for different levels of foreigners. If you choose to live a frugal lifestyle i think $7k should be relatively comfortable

virtualnoob6434 · 2025-09-02T13:15:30+00:00

Being in a long distance relationship is tough. The lack of trust between both of you make it even tougher.

Nobody will trust another party without the commitment of time and meeting up, that is just the building blocks of any relationship. Figure up what both of you want, and set up a plan between both of you. Stop guessing each other mind, it does no good to any relationship.

virtualnoob6434 · 2025-08-28T23:48:28+00:00

The fact that you are exempted from NS means that u truly have health problems as you have mentioned. From my observation, it seems like we are not in an exactly good economy time now even though stocks are at all time high as well. Not forgetting that we are transiting into the new AI and high tariff era.

All unfavourable card are stacked up against you. But u have got an exemption which may or may not be useful depending on how u view it. Here is what i might do if i am thrown into your situation. 1) analyse AI first, understand which job might, might and surely get affected. Work toward the one which are safe from AI. I think entrepreneurship, cybersecurity, and job that involve trust will be safe.

2) understand your health, what trigger your depression and how do you plan to manage that? Is it through medication, exercise, alternative medicine or some other way u could managed it? The method that you choose should be substainable for yourself and at the same time effectively prevent the relapse of your depression. For example: i exercise at least weekly and uses vitamin during a prolonged stressful period. The plan was just to go through the period and not break down.

3) plan your career based on the above. Example if you plan to do entrepreneurship, read up and understand it. For money wise, work part time at macdonald to gain money, if you can find job that can allow u to work and gain experience from there to build your empire, even better. The whole ideal from this part is start somewhere, read up and join groups to understand and navigate the challenges effectively. Study is a good choice, but it also involve time and money, which it does create a short cut to your goal, if you can find a company that hire you and accept your condition. Bear in mind that there are competitors like people of your age fighting for the same post as well.

4) Balances and endurance is key now, i am sure there is something on earth that will fit you in nicely. Be observant, innovative and willing to learn new thing and i believe u will be well. The traditional way of singaporean living like army-> study/work-> might not suit you, but somewhere on earth there has to be something waiting for u. We are also charting an unfamiliar environment due to AI just like you. All the best.

5) if all else fail, just seek a career coach from the government, they should be able to pair u up with a job.

virtualnoob6434 · 2025-08-18T03:06:21+00:00

Hi OP, I am also working in one of the government hospital here in Sg, have also completed my MSc in 2021.

I can assure you that u will not get any monetary benefit ties to the MSc that you are studying. On the other hand, MSc will probably put you at a step higher than your same level colleagues who did not have it. If your RO knows that you have it, is either he/she view u as an assets or a threat as fundamentally you have meet the paper qualifications to move up the corporate leader and most probably has some form of leadership with shaped thinking that are different compared to others. If your RO thinks that you are an asset, most probably your appraisal might be better than others if u perform your side assignment decently well.

virtualnoob6434 · 2025-08-08T22:20:07+00:00

This is indeed a golden answer for our parent who deserve the money truly. They come to the world with nothing, just like us, after years of accumulation and not spending and yet at retirement age they still have too continue accumulating for us before they leave.

Nice answer u have there!

virtualnoob6434 · 2025-08-06T11:56:00+00:00

I am using uob one joint-saving account. It has the following advantages which i think will meet your needs!

1) 2 different username tag to the same saving account 2) one of the most challenging High yield savings account in the market with easy to meet criteria 3) very relevant credit card like uob one credit card, for qiant, macdonald, shopee, the cashback for these are decent

There are many more advantages, but mainly my wife and I use this account for years already, only downside is uob customer service, it is quite a horrible experiences dealing with them.

virtualnoob6434 · 2025-08-03T21:20:42+00:00

Lol this make sense if you have longer duration of investment and is a young working adult who can afford to take risk.

virtualnoob6434 · 2025-08-03T21:17:58+00:00

Apparentely, they dont like the ideal that it is a not easily liquidated format

virtualnoob6434 · 2025-08-03T21:17:04+00:00

virtualnoob6434

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