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@erniedavid If I were you, I'd focus on building an emergency fund of at least 3-6 months first and once that's done only then I'd consider buying a new car. Have you heard of the 50-30-20 budgeting rule? Basically: 50% is for Needs. 30% is for Wants. 20% is for Savings/invest. Based on...

@lichtoefur Honestly, I'm not familiar with ASM by ASNB. But based on my quick research, you are allowed to only redeem up to 2,000units per month? Correct me if I'm wrong. Source "The maximum limit of online redemption is set at 2,000 units per month as it is adequate for an immediate source...

@lichtoefur I'm not a financial advisor so I can't tell you what you should and should not do, but I can tell you what I'd do if I were you - speaking from experience in the world of investing/trading. Questions: The obvious result is to go for S&P 500, but is that really so simple? Which...