<![CDATA[Investment]]>Before you buy the S&P index fund, please make sure you have the stomach for it. Look how much is has dropped in the recent week! If you are not prepared to ride out the rough times, you may end up selling at a loss.

]]>https://forum.kiasuparents.com/topic/86148/investmentRSS for NodeTue, 21 Apr 2026 08:33:00 GMTTue, 31 Oct 2023 05:13:49 GMT60<![CDATA[Reply to Investment on Tue, 31 Oct 2023 05:04:27 GMT]]>

manorway\" post_id=\"2121759\" time=\"1698719677\" user_id=\"9303:

Hi! Noob here. Is this suitable for young people just starting out to work?

Where do you suggest we go to buy the fund? Thanks.
It's best to talk to someone who is more in the know before rather than get advice here. Do you have a friend or relative who is a financial advisor or has experience in personal investments? It's a good idea to get young people started early so that they get in the habit of putting aside money for saving and investing. I can't give any specific advice as my husband takes care of all that, but he started both our girls when they were still in JC/university - just something relatively safe and unexciting, but also lower risk. They still continue to invest now that they are both working, though the specific investments have changed over the years.

]]>https://forum.kiasuparents.com/post/2121762https://forum.kiasuparents.com/post/2121762Tue, 31 Oct 2023 05:04:27 GMT<![CDATA[Reply to Investment on Tue, 31 Oct 2023 02:34:37 GMT]]>

oregene\" post_id=\"2108525\" time=\"1683980049\" user_id=\"105875:

Actually, a simple way to invest - if you have a long term horizon (as in 20 years+), is to buy a low cost index fund - E.g. S&P 500.

It is passive, and has a track record of providing returns of average 8% a year.
Hi! Noob here. Is this suitable for young people just starting out to work?

Where do you suggest we go to buy the fund? Thanks.

]]>https://forum.kiasuparents.com/post/2121759https://forum.kiasuparents.com/post/2121759Tue, 31 Oct 2023 02:34:37 GMT<![CDATA[Reply to Investment on Sat, 28 Oct 2023 12:03:00 GMT]]>

oregene\" post_id=\"2108525\" time=\"1683980049\" user_id=\"105875:

Actually, a simple way to invest - if you have a long term horizon (as in 20 years+), is to buy a low cost index fund - E.g. S&P 500.

It is passive, and has a track record of providing returns of average 8% a year.
This is also a suggestion from Warren Buffett :rahrah:

]]>https://forum.kiasuparents.com/post/2121663https://forum.kiasuparents.com/post/2121663Sat, 28 Oct 2023 12:03:00 GMT<![CDATA[Reply to Investment on Mon, 23 Oct 2023 23:31:44 GMT]]>Change in approach and attitude towards money/savings/investments:


Say goodbye to retirement? A 'soft saving' trend is emerging among young people

https://www.google.com/amp/s/www.cnbc.com/amp/2023/10/23/soft-saving-trends-reshape-gen-z-millennials-personal-finance-goals.html

]]>https://forum.kiasuparents.com/post/2121346https://forum.kiasuparents.com/post/2121346Mon, 23 Oct 2023 23:31:44 GMT<![CDATA[Reply to Investment on Sun, 22 Oct 2023 03:54:35 GMT]]>New guide outlines steps Singaporeans can take to create a holistic financial plan

https://www.straitstimes.com/business/invest/new-guide-outlines-steps-singaporeans-can-take-to-create-a-holistic-financial-plan

]]>https://forum.kiasuparents.com/post/2121244https://forum.kiasuparents.com/post/2121244Sun, 22 Oct 2023 03:54:35 GMT<![CDATA[Reply to Investment on Sat, 13 May 2023 12:14:09 GMT]]>Actually, a simple way to invest - if you have a long term horizon (as in 20 years+), is to buy a low cost index fund - E.g. S&P 500.


It is passive, and has a track record of providing returns of average 8% a year.

]]>https://forum.kiasuparents.com/post/2108525https://forum.kiasuparents.com/post/2108525Sat, 13 May 2023 12:14:09 GMT<![CDATA[Reply to Investment on Fri, 12 May 2023 11:15:23 GMT]]>

MrsKiasu\" post_id=\"2108374\" time=\"1683859563\" user_id=\"43981:

Read the article on banks performance results this morning. My dunno whether correct or not understanding..FD int rate may be kept 'low/lower'? to manage their bottom line ??
Our bank interest has to follow the trend of the Federal Reserve rate in the U.S. and the Federal Reserve rate is affected by US inflation rate and their economy performance.

]]>https://forum.kiasuparents.com/post/2108459https://forum.kiasuparents.com/post/2108459Fri, 12 May 2023 11:15:23 GMT<![CDATA[Reply to Investment on Fri, 12 May 2023 07:14:51 GMT]]>

starlight1968sg\" post_id=\"2108368\" time=\"1683857430\" user_id=\"14025:

By right, we shld separate investment from insurance and practise Buy Term and Invest the Rest.

I dont really need the insurance portion. I just want something less risky with my principal intact. Some short term eg 1yr or 2yr single premium plans suit me.
same here , i also buy such premiums as FD alternatives. latest one was income for 2 yrs, 3.95%
now i think Fin institute forsee interest dropping, din see single premium product

]]>https://forum.kiasuparents.com/post/2108433https://forum.kiasuparents.com/post/2108433Fri, 12 May 2023 07:14:51 GMT<![CDATA[Reply to Investment on Fri, 12 May 2023 03:06:52 GMT]]>

MyPillow\" post_id=\"2108379\" time=\"1683860561\" user_id=\"70594:

I din read it, where is it stated uob one interest of 5 to 7% til end Jul, I just open uob one and chg my salary
credit to this uob lei :roll:
Is the the up to 7.8% ie EIR 5% for 100k? Oh no..i hope not till Jul.

]]>https://forum.kiasuparents.com/post/2108383https://forum.kiasuparents.com/post/2108383Fri, 12 May 2023 03:06:52 GMT<![CDATA[Reply to Investment on Fri, 12 May 2023 03:02:41 GMT]]>

MrsKiasu\" post_id=\"2108293\" time=\"1683796179\" user_id=\"43981:

3.8% is for 1 year? After 1 yr follow new rate ?

Those uob one and ega lor...flexi de mah now at 5% % 4.5%(only till end Jul). Actually got worries also. When rate go down maybe worth to redeem some loan.
I din read it, where is it stated uob one interest of 5 to 7% til end Jul, I just open uob one and chg my salary
credit to this uob lei :roll:

]]>https://forum.kiasuparents.com/post/2108379https://forum.kiasuparents.com/post/2108379Fri, 12 May 2023 03:02:41 GMT<![CDATA[Reply to Investment on Fri, 12 May 2023 02:51:09 GMT]]>SSBs to me, should be the 1st port of call, even before FDs. They are so flexible - you can liquidate them any time (as in you will get it within a month of redeeming it) and the interest rate prorated! FDs on the other hand, if you break them, you lose all interest. If you lock in SSBs at a low rate, just sell and re-buy when the interest is higher.

]]>https://forum.kiasuparents.com/post/2108377https://forum.kiasuparents.com/post/2108377Fri, 12 May 2023 02:51:09 GMT<![CDATA[Reply to Investment on Fri, 12 May 2023 02:47:50 GMT]]>My insurance negligible. All sunk costs like hospitalization only have 2 for the kids education that I think not that enough one.

]]>https://forum.kiasuparents.com/post/2108375https://forum.kiasuparents.com/post/2108375Fri, 12 May 2023 02:47:50 GMT<![CDATA[Reply to Investment on Fri, 12 May 2023 02:46:03 GMT]]>Read the article on banks performance results this morning. My dunno whether correct or not understanding…FD int rate may be kept ‘low/lower’? to manage their bottom line ??

]]>https://forum.kiasuparents.com/post/2108374https://forum.kiasuparents.com/post/2108374Fri, 12 May 2023 02:46:03 GMT<![CDATA[Reply to Investment on Fri, 12 May 2023 02:35:16 GMT]]>

doodbug\" post_id=\"2108371\" time=\"1683858383\" user_id=\"13281:

I agree with separating insurance from investment.

Have you already maxed out your S'pore Savings Bond for each adult in your family? 200k each.
I hv not but I dont really fancy SSBs.

]]>https://forum.kiasuparents.com/post/2108372https://forum.kiasuparents.com/post/2108372Fri, 12 May 2023 02:35:16 GMT<![CDATA[Reply to Investment on Fri, 12 May 2023 02:26:23 GMT]]>

starlight1968sg\" post_id=\"2108368\" time=\"1683857430\" user_id=\"14025:

By right, we shld separate investment from insurance and practise Buy Term and Invest the Rest.

I dont really need the insurance portion. I just want something less risky with my principal intact. Some short term eg 1yr or 2yr single premium plans suit me.
I agree with separating insurance from investment.

Have you already maxed out your S'pore Savings Bond for each adult in your family? 200k each.

]]>https://forum.kiasuparents.com/post/2108371https://forum.kiasuparents.com/post/2108371Fri, 12 May 2023 02:26:23 GMT<![CDATA[Reply to Investment on Fri, 12 May 2023 02:16:02 GMT]]>

starlight1968sg\" post_id=\"2108368\" time=\"1683857430\" user_id=\"14025:

By right, we shld separate investment from insurance and practise Buy Term and Invest the Rest.

I dont really need the insurance portion. I just want something less risky with my principal intact. Some short term eg 1yr or 2yr single premium plans suit me.
You can look for someone to give you financial advice (general, not just insurance-linked), or buy through CPF or a bank? But won't short-term mean that there are lot of fees in proportion to the returns?
[Sorry, just talking from general layman understanding - my husband is the one who does our investments.]

]]>https://forum.kiasuparents.com/post/2108370https://forum.kiasuparents.com/post/2108370Fri, 12 May 2023 02:16:02 GMT<![CDATA[Reply to Investment on Fri, 12 May 2023 02:10:30 GMT]]>

slmkhoo\" post_id=\"2108366\" time=\"1683856946\" user_id=\"28674:

If you're already adequately insured, then maybe you should do your investments apart from insurance? Otherwise part of your cost is paying for insurance you don't need. And if it's short-term plans, will your insurance only be short-term?
By right, we shld separate investment from insurance and practise Buy Term and Invest the Rest.

I dont really need the insurance portion. I just want something less risky with my principal intact. Some short term eg 1yr or 2yr single premium plans suit me.

]]>https://forum.kiasuparents.com/post/2108368https://forum.kiasuparents.com/post/2108368Fri, 12 May 2023 02:10:30 GMT<![CDATA[Reply to Investment on Fri, 12 May 2023 02:02:26 GMT]]>

starlight1968sg\" post_id=\"2108364\" time=\"1683856409\" user_id=\"14025:

Any INS companies launching short term endowment plans? The market is so quiet.
If you're already adequately insured, then maybe you should do your investments apart from insurance? Otherwise part of your cost is paying for insurance you don't need. And if it's short-term plans, will your insurance only be short-term?

]]>https://forum.kiasuparents.com/post/2108366https://forum.kiasuparents.com/post/2108366Fri, 12 May 2023 02:02:26 GMT<![CDATA[Reply to Investment on Fri, 12 May 2023 01:53:29 GMT]]>

MrsKiasu\" post_id=\"2108305\" time=\"1683798221\" user_id=\"43981:

Any idea if tbill going down all the way fm highest or it went down then up again?

Just chked ..if correct it went down last wk then up again.
Nobody knows if the yield will be heading N or S.

Yes, the yield of this round dropped as compared with last round/

Any INS companies launching short term endowment plans? The market is so quiet.

]]>https://forum.kiasuparents.com/post/2108364https://forum.kiasuparents.com/post/2108364Fri, 12 May 2023 01:53:29 GMT<![CDATA[Reply to Investment on Thu, 11 May 2023 09:43:41 GMT]]>

Liew Nga Wing\" post_id=\"2108302\" time=\"1683798006\" user_id=\"195250:[quote=\"Liew Nga Wing\" post_id=2108302 time=1683798006 user_id=195250]
6 months T-bill auction date : 11 May 2023 is 3.78%[/quote]
Any idea if tbill going down all the way fm highest or it went down then up again?

Just chked ..if correct it went down last wk then up again.

]]>https://forum.kiasuparents.com/post/2108305https://forum.kiasuparents.com/post/2108305Thu, 11 May 2023 09:43:41 GMT<![CDATA[Reply to Investment on Thu, 11 May 2023 09:40:06 GMT]]>

MrsKiasu\" post_id=\"2108293\" time=\"1683796179\" user_id=\"43981:

3.8% is for 1 year? After 1 yr follow new rate ?

Those uob one and ega lor...flexi de mah now at 5% % 4.5%(only till end Jul). Actually got worries also. When rate go down maybe worth to redeem some loan.
6 months T-bill auction date : 11 May 2023 is 3.78%

]]>https://forum.kiasuparents.com/post/2108302https://forum.kiasuparents.com/post/2108302Thu, 11 May 2023 09:40:06 GMT<![CDATA[Reply to Investment on Thu, 11 May 2023 09:09:39 GMT]]>

MyPillow\" post_id=\"2108286\" time=\"1683795225\" user_id=\"70594:

What is it about flexi FD scam?
T bill near 3.8%
Savings Int rate coming down in banks
Mortgage / loan rate should b dropping too, take a few months
3.8% is for 1 year? After 1 yr follow new rate ?

Those uob one and ega lor...flexi de mah now at 5% % 4.5%(only till end Jul). Actually got worries also. When rate go down maybe worth to redeem some loan.

]]>https://forum.kiasuparents.com/post/2108293https://forum.kiasuparents.com/post/2108293Thu, 11 May 2023 09:09:39 GMT<![CDATA[Reply to Investment on Thu, 11 May 2023 08:53:45 GMT]]>

MrsKiasu\" post_id=\"2108278\" time=\"1683793515\" user_id=\"43981:

What's the rate..now banks around 3.45-3.5%?

Many phishing scams stories nowadays. Quite worrying as the current ones flexi FDs can be moved easily.
What is it about flexi FD scam?
T bill near 3.8%
Savings Int rate coming down in banks
Mortgage / loan rate should b dropping too, take a few months

]]>https://forum.kiasuparents.com/post/2108286https://forum.kiasuparents.com/post/2108286Thu, 11 May 2023 08:53:45 GMT