Risk Assessment/Management Exercise Part 1:
Do you own HDB flat? Still paying mortgage using CPF?
Starting a family, u have cash or funds set aside for this purpose?
You have term insurance, how much is the premium? Need to pay until 65, how do u plan to pay the premiums till 65? Continue to work till 65? Or use your retirement funds?
You have whole life insurance, paid up by 55, so u should be covered sufficiently for tpd/ci during retirement years, together with H&S cover, your retirement funds should be protected (until ? when your whole life matures?)
Your investments now -5%. How do u invest? Using POSB invest saver? DCA into STI ETF/Bonds?
POSB Invest saver is regular savings plan invested into STI ETF for eg. Investment into STI ETF using POSB invest saver is a long term investment savings plan, over 20-30 years before u can see results. So u should only use money u dun need over this period of time. If u have read the debate in WL vs BTIR, u would have read how such investment performed over the 20 year period, and the results/returns depends very much when u started (bull peak or bear bottom) and cashout your investment (bull peak or bear bottom).
Read 2 sample posts: someone invested 2 years ago, now -ve return (bull top at start now start of bear market )
http://forums.hardwarezone.com.sg/100556817-post1174.html
http://forums.hardwarezone.com.sg/100502353-post1157.html
U are only less than 1 year into this investment and u want to cash out a portion to invest in another capital protected fund. U will lose some money? So think carefully, once u cash out, whatever is invested into ETF/bonds should be money u dun need over 20-30 years. Do your risk assessment/management, make sure u have another sources of liquid funds to meet your life changes and insurance premiums, etc, some of which are listed above.
(Your investment into STI ETF can perform better if u know how to invest more intelligently)