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-   -   30K Investment (https://forums.hardwarezone.com.sg/money-mind-210/30k-investment-4045490.html)

missyevo 02-01-2013 07:18 PM

30K Investment
 
where would u invest 30k?

lzydata 02-01-2013 08:52 PM

There are many "how to invest $x" threads here already, do a search. It's always the same issues: objectives, time horizon, risk tolerance etc. When you give no details like this, you are inviting silly answers like:

Go to MBS or RWS and put it all on black :P

lousylah 02-01-2013 09:40 PM

Quote:

Originally Posted by lzydata (Post 72849062)
Go to MBS or RWS and put it all on black :P

:s13::s13::s13:

PruCorgi 02-01-2013 10:18 PM

I personally like "Just invest it with me."

bloodsucker 04-01-2013 06:41 PM

If you are business-savvy, put it into a biz. Best ROE of almost all investments :) Also damn risky of course.

If not, then split your 30k into many parts and put equal portions into each. Each portion can go into diff investments, like stocks, gold, currency etc. Just try see which ones work better for you lor haha. But I suppose its a crappy plan cos if you are asking this qn, chances are you will not haf sufficient knowledge of all the diff investments. So ya just choose the one u r most comfortable with lor

lousylah 05-01-2013 02:03 AM

agree w bloodsucker to keep it simple and put the money where you feel comfortable in a product you understand.

breaking it up is a good idea but you may find it difficult to monitor.

my usual advice to such questions is to put the money in a Fixed Deposit or High Interest Savings account until you figure it out. Take your time to learn and understand the different products/markets.

Buying Singapore Government Bonds and hold to maturity is a safe alternative but very low returns.
http://forums.hardwarezone.com.sg/mo...s-3870611.html

Do some research and read up about dividend investing if you are interested.

Epps_Sg 05-01-2013 04:58 PM

Quote:

Originally Posted by lousylah (Post 72915118)
Buying Singapore Government Bonds and hold to maturity is a safe alternative but very low returns.
http://forums.hardwarezone.com.sg/mo...s-3870611.html

Do some research and read up about dividend investing if you are interested.

I think putting all funds into SG govt bonds is not that ideal also, this will probably still lose out to inflation.
A more profitable idea may be using diversified passive portfolio, by splitting the investment between STI ETF and SG Govt bonds at 50/50 split, then use yearly rebalancing to try keep the ratio at 50/50.

lousylah 05-01-2013 05:23 PM

just to add.

do some reading on money market fund, bond fund and, as epps_sg said, index (STI) tracking fund.

develop your own strategy and approach according to your needs and comfort zone - its your money, you decide.

bloodsucker 05-01-2013 09:18 PM

The STI did awesome last year for 2012. Almost 20% returns. It's average over the past couple of decades is above 9%. So it is one of the best and lowest investments you can undertake if you are thinking of long-term investing.

Let's say you dollar-cost average monthly $500 over the next 40 years till u retire (assuming you are now 30 and retirement age is 70 at that time). If you get 9% returns (i dno if its still possible 40 yrs into the future), you will be getting more than $2.3 million by the time you retire. If we discount the figure to present value with inflation of 3%, you would have about $720k of current day money. Not too bad in my opinion. More than enough to live a very very comfy life after you retire :)

missyevo 07-01-2013 08:01 PM

thanks the great sugggestions guys :)

iCuteCube 07-01-2013 09:05 PM

Long time ago i created a new thread. Rather brief, and lazy to update, maybe because i already acquired the knowledge and experience i wanted, and also added with more hobbies in my life, such as photography and traveling, fighting for my free time.

You may refer to: http://forums.hardwarezone.com.sg/mo...t-3646553.html

Also refer to this: http://forums.hardwarezone.com.sg/st...t-2972824.html

GamerSg 08-01-2013 01:53 PM

Quote:

Originally Posted by bloodsucker (Post 72933514)
The STI did awesome last year for 2012. Almost 20% returns. It's average over the past couple of decades is above 9%. So it is one of the best and lowest investments you can undertake if you are thinking of long-term investing.

Let's say you dollar-cost average monthly $500 over the next 40 years till u retire (assuming you are now 30 and retirement age is 70 at that time). If you get 9% returns (i dno if its still possible 40 yrs into the future), you will be getting more than $2.3 million by the time you retire. If we discount the figure to present value with inflation of 3%, you would have about $720k of current day money. Not too bad in my opinion. More than enough to live a very very comfy life after you retire :)

Lol inflation 3%.

bloodsucker 08-01-2013 02:19 PM

Quote:

Originally Posted by GamerSg (Post 73008641)
Lol inflation 3%.

Did I say something wrong? Perhaps you should check inflation figures for the past few decades. Yes it may be between 4-5% now, but if u think that it's gonna remain like this for the next few decades without any monetary/fiscal policy intervention, then you might be mis-informed. Maybe you'd like to research more before laughing.

PruCorgi 08-01-2013 03:45 PM

To GamerSG: 3% is a reasonable figure to use.

Long-term inflation rate isn't 5%, nor is core inflation.

http://www.singstat.gov.sg/stats/the...my/prices.html

bloodsucker 08-01-2013 04:30 PM

Haha yea of course I'm aware of that bro. I'm merely discounting inflation to 2-3%, which was that of the past few decades. What I meant for 5% is that of last year's figure. It was 4.7% (around that figure) for q3 and q4. It was reported in the papers, and yes it is taking into account property inflation. I don't see anything wrong with doing a calculation based on 3% inflation. Do state your reasons if I'm wrong to use 3%.


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