$20k, $500 monthly

[jkcm129]

Hi people, I have a sum of 20k plus around $300 monthly to put into investments.

I put some into PruLink (but i don't get to monitor it, so i dont even know if i'm making any losses)
Savings accounts interest rates are pathetic.
Fixed deposits also sucks.

Was thinking of the following - opening an trading equity account with SCB and trying the following:

1. Dividend Shares (Singtel, Starhub, M1)
2. REITs
3. ThaiBev maybe?

Not knowledgable enough to delve into forex, other shares.

Also would like to find out how flexible such forms of investments are. (e.g. if i decide to buy a house in 2 years, whats the potential for loss?)

I'm new here to investing, so would be happy to obtain some advice from fellow forummers here.

Thanks in advance people!

 

[Vincent_G]

You can also consider STI ETF..

 

[Epps_Sg]

You can try call and get ID and password and log in to PruAcess to monitor your PruLink funds.
I was using it Single Premium PruLink previously, then i learnt how to build my own stock/bond portfolio and quited PruLink. Never regretted because the amount of unit trusts in PruLink is little and not fantastic. Plus the agent is officially not suppossed to advise me how to invest.

2 years is too short a timeframe to 'market time' with stocks. If you get it wrong and dont get out in time, you can lose substantially. Only 'trade' with money you can afford to lose.

 

[terence89]

Hi jkcm129, I have sent you an pm for your reference.Thank you

Hi people, I have a sum of 20k plus around $300 monthly to put into investments.

I put some into PruLink (but i don't get to monitor it, so i dont even know if i'm making any losses)
Savings accounts interest rates are pathetic.
Fixed deposits also sucks.

Was thinking of the following - opening an trading equity account with SCB and trying the following:

1. Dividend Shares (Singtel, Starhub, M1)
2. REITs
3. ThaiBev maybe?

Not knowledgable enough to delve into forex, other shares.

Also would like to find out how flexible such forms of investments are. (e.g. if i decide to buy a house in 2 years, whats the potential for loss?)

I'm new here to investing, so would be happy to obtain some advice from fellow forummers here.

Thanks in advance people!

 

[shun07]

Hi jkcm129, I have sent you an pm for your reference.Thank you

Can you send me too?

 

[terence89]

Hi Shun, I have send you the pm..take a look through..thanks

Can you send me too?

 

[gyuna49]

Generally speaking, there are a few factors to consider when looking for investment opportunities. Safety of capital, current income and capital appreciation are factors that should influence an investment decision and you will also need to factor in your age, stage/position in life and personal circumstances. If the $20k that you have is not 'essential' funds, you can be more aggressive in your investing strategies. As a general rule, the shorter your time horizon, the more conservative you should be. For instance, if you are investing primarily for retirement and you are still in your 20s, you still have plenty of time to make up for any losses you might incur along the way.

I think everyone will agree that the main thing determining what works best for an investor is his or her capacity to take on risk. For instance let's look at some of the best investments a big bank in Singapore like DBS is offering:

- Unit Trusts
- Structured Deposits
- Bonds
- Currency linked investment
- Real Estate, etc.

Investing in real estate at this point might be considered extremely risky by some investors as they feel that it's a bubble that is just waiting to burst and investing in real estate is a big chunk of funds tied up in one place and isn't easily liquidable. But others may see it as an excellent opportunity to gain huge returns by flipping the property asap. So like i said it depends on your risk appetite.

 

[initialtbk]

Hi Shun, I have send you the pm..take a look through..thanks

Hi can send me too? Thanks

 

[jkcm129]

i don't exactly need that 20k, so technically i'll be fine with investing that amount for say.... 10 years?

the fixed deposit rates in dbs is pathetic.
and insurance policies seem dodgy.

 

[antonpoh]

1. Dividend Shares (Singtel, Starhub, M1) Can skip these 3 telco

2. REITs - Frasers CT, Fraser Commercial Trust, FEHT, Cambridge Reit.. all these can buy and hold.

3. ThaiBev maybe? Can buy and hold. Could be the next APB.

Can also checkout IHH or Guoco Leisure.

 

[hhanzorion]

If you wana get involved in monitoring, its better u start off by engaged in a fund house or even the fund manager. With close interaction with him/her, you know what is she/he doing with your money.

1. Dont bother about putting into insurance policy where they eats up the returns for the insurance charges, worse, they dont guarante you the return. ( 3% p.a is just projected, insurance companies are all the same)
2. Bank? think again. if banks make people rich, why people still to invest on their on.
3. You want to throw 20k and growth, but without any effort, then what about people with 200k.

 

[hhanzorion]

Lastly, if things are too good to be true, its not true.

 

[marchbaby]

Hi terence89, can send to me as well? Thanks!

Hi Shun, I have send you the pm..take a look through..thanks

 

[wooty100]

Ts should u need quotations for investment plans i can furbish some quotes from zurich. Let me know