<![CDATA[Savings Vs Investment]]>FD is not bad when promotion. Less risk also. thank mr lee

]]>https://forum.kiasuparents.com/topic/85567/savings-vs-investmentRSS for NodeMon, 11 May 2026 09:26:46 GMTMon, 05 Nov 2018 13:29:59 GMT60<![CDATA[Reply to Savings Vs Investment on Thu, 01 Nov 2018 15:30:28 GMT]]>from my personal exp, i would say keep investment to 20% to 30% max if we are not knowledgable. 8yrs ago did a investment plan with aviva, principle 50k, now get back 54k only…damm sad. buy blue chips also lost almost 40%…really cry no tear…

]]>https://forum.kiasuparents.com/post/1881825https://forum.kiasuparents.com/post/1881825Thu, 01 Nov 2018 15:30:28 GMT<![CDATA[Reply to Savings Vs Investment on Mon, 15 Oct 2018 13:20:21 GMT]]>Buying some blue chip shares like singtel, signpost can be a way to safely invest the yearly 5k-7k

]]>https://forum.kiasuparents.com/post/1878913https://forum.kiasuparents.com/post/1878913Mon, 15 Oct 2018 13:20:21 GMT<![CDATA[Reply to Savings Vs Investment on Fri, 27 Jul 2018 04:59:18 GMT]]>good one

]]>https://forum.kiasuparents.com/post/1861346https://forum.kiasuparents.com/post/1861346Fri, 27 Jul 2018 04:59:18 GMT<![CDATA[Reply to Savings Vs Investment on Thu, 12 Jul 2018 19:29:11 GMT]]>Do consider the Singapore Savings Bonds. The interest rate has been increasing.

]]>https://forum.kiasuparents.com/post/1857217https://forum.kiasuparents.com/post/1857217Thu, 12 Jul 2018 19:29:11 GMT<![CDATA[Reply to Savings Vs Investment on Wed, 11 Jul 2018 21:07:26 GMT]]>If you are looking at 5-7k, its better to just put in savings. The returns on fixed deposit may be low, but the returns from investment with just 5-7k is not much higher too and its not worth the risk. I would recommend the Singapore Savings Bond.

]]>https://forum.kiasuparents.com/post/1856950https://forum.kiasuparents.com/post/1856950Wed, 11 Jul 2018 21:07:26 GMT<![CDATA[Reply to Savings Vs Investment on Tue, 29 May 2018 05:54:13 GMT]]>Savings give low return; investments are likely to give higher return though come with the associated risk

]]>https://forum.kiasuparents.com/post/1850151https://forum.kiasuparents.com/post/1850151Tue, 29 May 2018 05:54:13 GMT<![CDATA[Reply to Savings Vs Investment on Tue, 29 May 2018 03:00:18 GMT]]>One of the biggest questions at the back of my head. Savings or Investment? Concentrating on SAVING rather than minute details of investing, you are stacking the odds in your favor while also freeing up time for the real deal – maximizing your fun in a cash-efficient way.

]]>https://forum.kiasuparents.com/post/1850124https://forum.kiasuparents.com/post/1850124Tue, 29 May 2018 03:00:18 GMT<![CDATA[Reply to Savings Vs Investment on Tue, 14 Mar 2017 06:30:53 GMT]]>

zakashi:
starlight1968sg:

For SSB, pls see

http://www.sgs.gov.sg/savingsbonds.aspx

Read. SSB is similar to FD. Will consider SSB.

strictly speaking, SSB is not the same as FD. The former is backed by govt and the interest rate is step up, payable twice a year.

]]>https://forum.kiasuparents.com/post/1760989https://forum.kiasuparents.com/post/1760989Tue, 14 Mar 2017 06:30:53 GMT<![CDATA[Reply to Savings Vs Investment on Tue, 14 Mar 2017 06:23:09 GMT]]>

starlight1968sg:
For SSB, pls see

http://www.sgs.gov.sg/savingsbonds.aspx
Read. SSB is similar to FD. Will consider SSB.

]]>https://forum.kiasuparents.com/post/1760988https://forum.kiasuparents.com/post/1760988Tue, 14 Mar 2017 06:23:09 GMT<![CDATA[Reply to Savings Vs Investment on Tue, 14 Mar 2017 05:55:35 GMT]]>For SSB, pls see

http://www.sgs.gov.sg/savingsbonds.aspx

]]>https://forum.kiasuparents.com/post/1760981https://forum.kiasuparents.com/post/1760981Tue, 14 Mar 2017 05:55:35 GMT<![CDATA[Reply to Savings Vs Investment on Tue, 14 Mar 2017 05:49:39 GMT]]>

starlight1968sg:
zakashi:

[quote=\"starlight1968sg\"]The safest is SSB


What is SSB?

I prefer balance of savings and investment.

Spore Saving Bonds[/quote]How does it works?

]]>https://forum.kiasuparents.com/post/1760979https://forum.kiasuparents.com/post/1760979Tue, 14 Mar 2017 05:49:39 GMT<![CDATA[Reply to Savings Vs Investment on Mon, 13 Mar 2017 09:46:05 GMT]]>

zakashi:
starlight1968sg:

The safest is SSB


What is SSB?

I prefer balance of savings and investment.

Spore Saving Bonds

]]>https://forum.kiasuparents.com/post/1760749https://forum.kiasuparents.com/post/1760749Mon, 13 Mar 2017 09:46:05 GMT<![CDATA[Reply to Savings Vs Investment on Mon, 13 Mar 2017 06:58:08 GMT]]>

starlight1968sg:
The safest is SSB

What is SSB?

I prefer balance of savings and investment.

]]>https://forum.kiasuparents.com/post/1760723https://forum.kiasuparents.com/post/1760723Mon, 13 Mar 2017 06:58:08 GMT<![CDATA[Reply to Savings Vs Investment on Sun, 12 Mar 2017 01:40:38 GMT]]>The safest is SSB

]]>https://forum.kiasuparents.com/post/1760375https://forum.kiasuparents.com/post/1760375Sun, 12 Mar 2017 01:40:38 GMT<![CDATA[Reply to Savings Vs Investment on Thu, 23 Feb 2017 01:38:47 GMT]]>Anybody bought products from diyinsurance?

https://www.diyinsurance.com.sg/portal/home/

]]>https://forum.kiasuparents.com/post/1756289https://forum.kiasuparents.com/post/1756289Thu, 23 Feb 2017 01:38:47 GMT<![CDATA[Reply to Savings Vs Investment on Tue, 14 Feb 2017 04:59:17 GMT]]>

starlight1968sg:
slmkhoo:

[quote=\"kitty2\"]Is retirement insurance worth investing? I am not sure how is the return or whether it has a higher interest rate. Anyone has any idea?


Do you mean like an annuity? I think it depends on your age and whether you have the cash to spare. If you have other pressing needs, then this type of insurance is probably lower priority. As you get older, it may be something to consider. My husband is going to get the CPF annuity for me as he expects that I will outlive him and I am not investment-savvy. So he reckons that some steady amount, however modest, it better than just earning bank interest. Of course, if interests rates go high as they did when we were young, that may not be a good idea, but who knows? We can only make the best decision based on what we know now.

slmkhoo
Now that you have started working, perhaps the top up amount to your CPF in order to buy the basic CPF annuity is not that huge anymore.[/quote]I have no idea, really. I am only working PT, and starting low down since I took so many years to be a SAHM. I think my CPF contribution is still considered low. But my husband has been topping up cash for me over the last couple of years. Given my family's history of longevity, my husband is expecting me to need an annuity for a long time.

]]>https://forum.kiasuparents.com/post/1754186https://forum.kiasuparents.com/post/1754186Tue, 14 Feb 2017 04:59:17 GMT<![CDATA[Reply to Savings Vs Investment on Tue, 14 Feb 2017 01:13:06 GMT]]>

slmkhoo:
kitty2:

Is retirement insurance worth investing? I am not sure how is the return or whether it has a higher interest rate. Anyone has any idea?


Do you mean like an annuity? I think it depends on your age and whether you have the cash to spare. If you have other pressing needs, then this type of insurance is probably lower priority. As you get older, it may be something to consider. My husband is going to get the CPF annuity for me as he expects that I will outlive him and I am not investment-savvy. So he reckons that some steady amount, however modest, it better than just earning bank interest. Of course, if interests rates go high as they did when we were young, that may not be a good idea, but who knows? We can only make the best decision based on what we know now.

Thumbs up to Mr slmkhoo!

]]>https://forum.kiasuparents.com/post/1754079https://forum.kiasuparents.com/post/1754079Tue, 14 Feb 2017 01:13:06 GMT<![CDATA[Reply to Savings Vs Investment on Tue, 14 Feb 2017 01:12:43 GMT]]>

slmkhoo:
kitty2:

Is retirement insurance worth investing? I am not sure how is the return or whether it has a higher interest rate. Anyone has any idea?


Do you mean like an annuity? I think it depends on your age and whether you have the cash to spare. If you have other pressing needs, then this type of insurance is probably lower priority. As you get older, it may be something to consider. My husband is going to get the CPF annuity for me as he expects that I will outlive him and I am not investment-savvy. So he reckons that some steady amount, however modest, it better than just earning bank interest. Of course, if interests rates go high as they did when we were young, that may not be a good idea, but who knows? We can only make the best decision based on what we know now.

slmkhoo
Now that you have started working, perhaps the top up amount to your CPF in order to buy the basic CPF annuity is not that huge anymore.

]]>https://forum.kiasuparents.com/post/1754078https://forum.kiasuparents.com/post/1754078Tue, 14 Feb 2017 01:12:43 GMT<![CDATA[Reply to Savings Vs Investment on Tue, 14 Feb 2017 01:11:06 GMT]]>

slmkhoo:
starlight1968sg:

Who is not risk adverse? Nobody wants to lose any of his money


But some are willing to take more risk (in the hopes of higher returns) than others. Not just in investments, but in jobs, spouses etc etc!

True, knowing that high return usually accompanied with high risk.
Depending on the age, if one is young, it is fine to take on more risk as there is still time to recover from any setback etc.

]]>https://forum.kiasuparents.com/post/1754077https://forum.kiasuparents.com/post/1754077Tue, 14 Feb 2017 01:11:06 GMT<![CDATA[Reply to Savings Vs Investment on Tue, 14 Feb 2017 00:38:15 GMT]]>

kitty2:
Is retirement insurance worth investing? I am not sure how is the return or whether it has a higher interest rate. Anyone has any idea?

Do you mean like an annuity? I think it depends on your age and whether you have the cash to spare. If you have other pressing needs, then this type of insurance is probably lower priority. As you get older, it may be something to consider. My husband is going to get the CPF annuity for me as he expects that I will outlive him and I am not investment-savvy. So he reckons that some steady amount, however modest, it better than just earning bank interest. Of course, if interests rates go high as they did when we were young, that may not be a good idea, but who knows? We can only make the best decision based on what we know now.

]]>https://forum.kiasuparents.com/post/1754066https://forum.kiasuparents.com/post/1754066Tue, 14 Feb 2017 00:38:15 GMT<![CDATA[Reply to Savings Vs Investment on Tue, 14 Feb 2017 00:33:45 GMT]]>

starlight1968sg:
Who is not risk adverse? Nobody wants to lose any of his money

But some are willing to take more risk (in the hopes of higher returns) than others. Not just in investments, but in jobs, spouses etc etc!

]]>https://forum.kiasuparents.com/post/1754064https://forum.kiasuparents.com/post/1754064Tue, 14 Feb 2017 00:33:45 GMT<![CDATA[Reply to Savings Vs Investment on Mon, 13 Feb 2017 14:42:46 GMT]]>Who is not risk adverse? Nobody wants to lose any of his money

]]>https://forum.kiasuparents.com/post/1754018https://forum.kiasuparents.com/post/1754018Mon, 13 Feb 2017 14:42:46 GMT<![CDATA[Reply to Savings Vs Investment on Mon, 13 Feb 2017 13:03:48 GMT]]>

moomoolee:
Anyone is familiar with investment or savings plan that are good?

For investment, it really depends on your risk appetite and time horizon.
If you are risk adverse, then retirement income plans / endowment plan are not too bad.

Regardless, I've done my research on the various retirement income plans and endowment plans available so I'm privy of which company has the best yield 🙂 I can share with you more in person if you'd like!

]]>https://forum.kiasuparents.com/post/1753993https://forum.kiasuparents.com/post/1753993Mon, 13 Feb 2017 13:03:48 GMT