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How would you invest 300k in 2019?

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Old 26-10-2019, 07:27 PM   #1
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How would you invest 300k in 2019?

Hypothetical scenario, if you have 300k cash on hand, where you put your money today? Assuming you don't have the crystal ball to time market.

The fund is not big enough for retirement but also quite sizable that it would take many years to invest assuming buying 3,000 worth of index fund monthly (100 months!)
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Old 26-10-2019, 07:49 PM   #2
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Follow ShinyThings' suggestion.....

100k into S&P500 etf, 100k into STI etf and 100k into bonds..... go down to your favourite pub, order your favourite drink and chill...

3 decades later, enjoy your retirement nest egg like a king!
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Old 26-10-2019, 08:35 PM   #3
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Paging for limster to share his compilation links.
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Old 26-10-2019, 09:11 PM   #4
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$100k in USD.
$100k in Bitcoin.
$100k in gold bars.
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Old 26-10-2019, 10:44 PM   #5
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$160k in sgx
$140k in us market using ibkr
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Old 27-10-2019, 01:28 AM   #6
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300k in SHAK
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Old 27-10-2019, 08:30 AM   #7
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$5,500 in 2000 shares of FCT
$4,800 in 3000 shares of FCOT
$5,080 in 4000 shares of FLT
$5,110 in 7000 shares of FHT

the rest $279,510 in a monthly rolling FD and wait for durians to drop before buying
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Old 27-10-2019, 01:50 PM   #8
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I'll hold the cash and wait for the next bear run to gobble up gd counters
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Old 27-10-2019, 02:16 PM   #9
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Follow ShinyThings' suggestion.....

100k into S&P500 etf, 100k into STI etf and 100k into bonds..... go down to your favourite pub, order your favourite drink and chill...

3 decades later, enjoy your retirement nest egg like a king!
I would do 3 fund portfolio too. But not s&p 500 but a global etf like vwra
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Old 27-10-2019, 04:22 PM   #10
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Follow ShinyThings' suggestion.....

100k into S&P500 etf, 100k into STI etf and 100k into bonds..... go down to your favourite pub, order your favourite drink and chill...
No, not quite. The S&P 500 leg would go into a global stock index fund, as another commenter pointed out. Then that would be STís suggestion with some important assumptions:

1. These funds will be allocated to long-term saving and investing.

2. This individual is a ~43 year old who is planning to retire in Singapore with the legal right to do so.

3. This individual already has his/her long-term savings invested in the same ways. (If not, the $300K windfall would be used to help shift the portfolio mix.)

4. This individual already has an adequate emergency reserve fund, has fully paid off high cost debt (such as credit card debt), and has genuine insurance necessities in place.

5. Plus a few other assumptions, such as standard or near standard retirement and longevity expectations.

For what itís worth, I donít like the ď110 minus ageĒ formula since itís unnecessary complexity in my view. Just hold an 80-20 ratio (stocks-bonds) until 7 to 10 years before retirement, then shift. Also, Iím not a fan of that heavy an allocation to STI stocks.

If this question is about speculation ó where I might make an exceptional bet, outside of normal long-term investment practices ó then (if available) CPF with a 4+% yield (MA/SA/RA) looks rather attractive to me at the moment.
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Old 27-10-2019, 04:50 PM   #11
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Recession leh.
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Old 27-10-2019, 09:43 PM   #12
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for me:
100k - SSB (lump)
180k - IWDA (invest 30k x 6months)
20k - ES3 or G3B (4k x 5months)


Last edited by Thoreldan; 27-10-2019 at 09:58 PM..
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Old 27-10-2019, 09:51 PM   #13
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Hypothetical scenario, if you have 300k cash on hand, where you put your money today? Assuming you don't have the crystal ball to time market.

The fund is not big enough for retirement but also quite sizable that it would take many years to invest assuming buying 3,000 worth of index fund monthly (100 months!)
care to share how old you are, no need exact age, 20s, 30s, 40s...? this is for the purpose of compiling my index of threads. 300k in 20s, 30s, maybe different advice from someone in 40, 50+ age range?
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Old 27-10-2019, 10:01 PM   #14
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Buy blue chip REITs!
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Old 27-10-2019, 10:09 PM   #15
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Buy blue chip REITs!
Which do you recommend?
Actually now prices are too high already
I think
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