If you have S$300,000...

[dereth]

If you have S$300,000 capital...

How would you invest that money?

Perhaps while maintaining a regular day job, though I might be jobless soon.

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Update in 2018: Reaching 40. Was indeed jobless. HDB paid up. No outstanding loans.

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Further Milestones:
2018 - 300k when retired
2021 - 1m
Early 2024 - 2m
Mid 2024 - 3m
End 2024 - 4m
Jun 2025 - 5m

Aug 2025 - 6m
Sep 2025 - 7m (Current) Link to GPGT

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Take note that though I started this thread in 2017 when the stocks were worth $300k, I started investing a lot earlier. I committed to purchasing the shares with 10% of my salary every month.

My total cost basis over approximately 8 years was probably a little more than S$50k.

 

[doody_]

A good sum for clearing liabilities.

 

[pywr17]

Why is everybody asking the same question? If i have $300,000, if i have $1 mill. Repititive threads..

 

[shareholder]

Why is everybody asking the same question? If i have $300,000, if i have $1 mill. Repititive threads..

To keep the dream alive. Many people are not living their ideal life, so need some hope to keep it going. Someday...... going to enjoy life!

Please throw away the ideals, live a full life now! Release the full potential. It's now or never. The answer is within. Just do it!

 

[unhinged_loon]

To keep the dream alive. Many people are not living their ideal life, so need some hope to keep it going. Someday...... going to enjoy life!

Please throw away the ideals, live a full life now! Release the full potential. It's now or never. The answer is within. Just do it!

Ok, time get into record debt and bankrupt myself!

 

[dr3amgawd]

If you have S$300,000 capital...

How would you invest that money?

Perhaps while maintaining a regular day job.

stop dreaming and get back to work

Sent from Xiaomi HM NOTE 1W using GAGT

 

[dereth]

stop dreaming and get back to work

Sent from Xiaomi HM NOTE 1W using GAGT

I need real advice on how the money can be used passively.

I am almost 40 years old, have paid off my HDB and is in a stable job tor the last 10 years.

I don't wish to quit my job, just need advice on how I should invest the money.

 

[raysdad]

Just yield alone:

0-4% yield (lower risk) - local overseas savings/ fixed deposit, insurance savings plan/annuities, local property rental, CPF, SSB, SGB
4-9% - dividends from stock, overseas savings/fixed deposit, overseas property rental
9% or more - peer to peer lending, purpose built accommodation rental,stock/options trading

Seems like it's normally around these few options... higher risk higher returns... "safe" seems to means around max around 4% to me... any other places to safely park cash to generate high yield (>4%)?

 

[Mecisteus]

How is your investment knowledge and experience? Do you hold any stocks?

 

[wira]

I need real advice on how the money can be used passively.

I am almost 40 years old, have paid off my HDB and is in a stable job tor the last 10 years.

I don't wish to quit my job, just need advice on how I should invest the money.

Prepare to receive lots of PMs from 'financial advisers' !!!!

 

[treeskull]

Put inside cpf

Sent from 你是我的小啊小苹果儿怎么爱你都不嫌多红红的小脸儿温暖我的心窝点亮我生命的火火火火火火 using GAGT

 

[qhong61]

I need real advice on how the money can be used passively.

I am almost 40 years old, have paid off my HDB and is in a stable job tor the last 10 years.

I don't wish to quit my job, just need advice on how I should invest the money.

Buy another property.

 

[dr3amgawd]

I need real advice on how the money can be used passively.

I am almost 40 years old, have paid off my HDB and is in a stable job tor the last 10 years.

I don't wish to quit my job, just need advice on how I should invest the money.

Assuming u know nothing abt investing, have you identified what are your objectives with clear goals and time frames ?

do you know yourself well enough to invest ? are u easily shaken when there are price fluctuations in the market or have a plan to execute ?

there are many questions that can be asked that will raise even more questions.

asking for advice in this matter will have you inundated with advice from different perspectives.

bottomline, start askig yourself questions, challenge your assumptions, validate them. keep a journal to track your thoughts. investing is a life long journey.

Like yourself, i am also approaching 40, flat almost paid up. i started this journey 10 years ago and am still learning.

good luck

Sent from Xiaomi HM NOTE 1W using GAGT

 

[useless]

TS have $300,000 in cold hard cash first?

 

[limster]

recently got a few posts from people claiming they got lots of cash or lots of property or lots of income and asking for advice. some also say their life very hard, people look down on their humble e-class.. i think this has created momentum as other rich people in this forum also realise that there are other rich people facing hardship so they feel ok about asking for advice too. certainly there may be some trolls but lets just assume they are genuine unless they start making trollish comments.

to TS i recommend putting 200k in standard chartered n getting priority banking. thereafter u have a lot of options just spend the effort to read the scb threads to learn more

 

[Yachtmaster]

Lol. What kind of crap advise is this?
Put in scb then wat? Get calls from rm to be sold insurance, unit trusts or eln?

recently got a few posts from people claiming they got lots of cash or lots of property or lots of income and asking for advice. some also say their life very hard, people look down on their humble e-class.. i think this has created momentum as other rich people in this forum also realise that there are other rich people facing hardship so they feel ok about asking for advice too. certainly there may be some trolls but lets just assume they are genuine unless they start making trollish comments.

to TS i recommend putting 200k in standard chartered n getting priority banking. thereafter u have a lot of options just spend the effort to read the scb threads to learn more

 

[wira]

Lol. What kind of crap advise is this?
Put in scb then wat? Get calls from rm to be sold insurance, unit trusts or eln?

I think he meant put $200k to get priority banking status so you there is no min comm charge for equities trading and can start investing in equities or etf bonds.

 

[limster]

I think he meant put $200k to get priority banking status so you there is no min comm charge for equities trading and can start investing in equities or etf bonds.

exactly. no minimum comm for both sg n foreign shares is a big advantage. someone has confirmed in another thread that there are no fees for depositing usd into the usd high account. there are also other options. even if u dont like it doesnt mean others wont find it useful

 

[dereth]

recently got a few posts from people claiming they got lots of cash or lots of property or lots of income and asking for advice. some also say their life very hard, people look down on their humble e-class.. i think this has created momentum as other rich people in this forum also realise that there are other rich people facing hardship so they feel ok about asking for advice too. certainly there may be some trolls but lets just assume they are genuine unless they start making trollish comments.

to TS i recommend putting 200k in standard chartered n getting priority banking. thereafter u have a lot of options just spend the effort to read the scb threads to learn more

Thank you. I'm not a troll.

I'll be frank. I don't have the money in cash - It's in shares.

Over the past few years, like other listed MNCs, I was able to purchase company shares internally at a discount.

Things were looking up for the company in the past few years and thinking about the volatility of the market... whether I should just get rid of a significant bit, get cash and invest elsewhere.

 

[dereth]

Why is everybody asking the same question? If i have $300,000, if i have $1 mill. Repititive threads..

This is the first thread I've posted in Money Mind because I thought I could get genuine advice or opinions

I am sorry if I offended you because I don't keep up with what is covered here in this forum. If I have $1,000,000 I would ask as it is, but I don't have so much.

I am not trolling or anything. Just lost. If I am, I would be asking in EDMW. Which I did actually (faster response, though I was prepared most would be trolls).

I was not sure of the keywords to search in the forums and thought to ask it directly. Before this, I have been thoroughly confused by the many local money blogs and my mind is saturated and confused now.

Sorry if I'm ignorant of the repetitive issue here. If you wish me to shut up I shall refrain from further questions.

You have my sincerest apologies.