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@ruenie88 Ok you’re studying. Means you’re young. If you don’t need the money for another 40 to 50 years, I suggest open an IBKR account and buy CSPX. Leave it there and do nothing until you retire.

@erniedavid Spouse no work you need more than 6 month emergency funds. Even if you have it, please dont spend 1.5k on a depreciating asset when you can invest 1.5k. The difference is 3k month on month.

@mattmanticus Ya. Young that time i did that. As I approach 50, my risk appetite changed . My goal was to have 30 years expenses at 60 in EPF. Now I’m 60% EPF 40% other currencies in various ETF, REITs, gold ETF. I think as I approach 70 will start to liquidate equities and move to properties...

@taylorjr94 This is more or less what I did 20 years ago while working in Singapore. Back in 2000 to 2010 was 50% MYR in properties and 2005 or started in VTI. Back in those days don’t have VWRA CSPX. I would suggest OP doing taking your advice this age and time.

@mattmanticus REITs are cyclical. Buy hold. Collect dividend. Foreign ETF are also cyclical if you track passive index funds. Same concept. Buy hold and sell when make profit but keep investing. Hold in multiple currencies. ETF in USD. REITs in SGD or myr if you prefer Malaysian. Best...

@trevorwoofer2 Ah I see. That’s young. I’m retired. Haha Just leave epf alone. As long as have a job it will grow. For that age, take risk. Put 10% of your income into globally diversified etf. DCA over 30 to 40 years. Put 10% into Singapore banks and REITs. Get yourself well insured and stay...

@trevorwoofer2 Epf if you have more than 1m

@georgiew You just described VT and chill