STI ETF

[Mr. Wood]

Amazing there are people who pay 2.6% for housing loan.

I pay 1.38% and keep CPF for 2.5% to 4% .
Pay cash for my housing loan.

some ppl cpf rich cash poor. wht to do?

 

[Seannie]

Amazing there are people who pay 2.6% for housing loan.

I pay 1.38% and keep CPF for 2.5% to 4% .
Pay cash for my housing loan.

I can have cashflow mah. Anytime need the cash i can take out. U pay cash for housing loan and keep CPF but when u need more $ u cant withdraw out from cpf anytime.

Unless u saying u vrry rich lor.

Poor low ses like me sure take 2.6% housing loan de. Keep cash for rainy days or the day STI ETF toh to $1 hurry up scoop and can retire on passive income dividends.

 

[reddevil0728]

I can have cashflow mah. Anytime need the cash i can take out. U pay cash for housing loan and keep CPF but when u need more $ u cant withdraw out from cpf anytime.

Unless u saying u vrry rich lor.

Poor low ses like me sure take 2.6% housing loan de. Keep cash for rainy days or the day STI ETF toh to $1 hurry up scoop and can retire on passive income dividends.

Why cannot take bank loan???

 

[Iyarash11]

HDB loan good.. before you know it, its over!

 

[Seannie]

Why cannot take bank loan???

No money pay loan bank will very fast knock on your door and sell yur house.

Hdb will give u at least 6mths or more leeway.

 

[reddevil0728]

No money pay loan bank will very fast knock on your door and sell yur house.

Hdb will give u at least 6mths or more leeway.

you are in that dire of a situation?

 

[IamLucy]

$1 how many ppl jump

I can have cashflow mah. Anytime need the cash i can take out. U pay cash for housing loan and keep CPF but when u need more $ u cant withdraw out from cpf anytime.

Unless u saying u vrry rich lor.

Poor low ses like me sure take 2.6% housing loan de. Keep cash for rainy days or the day STI ETF toh to $1 hurry up scoop and can retire on passive income dividends.

 

[simon_84]

HDB loan good.. before you know it, its over!

Yup, always use the extra amount in cpf to reduce the principal.

 

[reddevil0728]

Yup, always use the extra amount in cpf to reduce the principal.

There are people who will refund CPF instead and use cash to pay

 

[Iyarash11]

$1 how many ppl jump

year 1998 ....

 

[havetheveryfun]

I can have cashflow mah. Anytime need the cash i can take out. U pay cash for housing loan and keep CPF but when u need more $ u cant withdraw out from cpf anytime.

Unless u saying u vrry rich lor.

Poor low ses like me sure take 2.6% housing loan de. Keep cash for rainy days or the day STI ETF toh to $1 hurry up scoop and can retire on passive income dividends.

2.6% cpf housing loan actually also is pay back the interest to your own cpf account right ? or no ?

 

[reddevil0728]

2.6% cpf housing loan actually also is pay back the interest to your own cpf account right ? or no ?

essentially double paying interest + 0.1%

 

[Geeezz]

just curious for people who had diligently dca sti fr about 5-10 yrs liao what’s your return like per aum including dividends after all these yrs? Me see sti go up like tortoise go down like labbit

 

[churnmaster]

MBH has given better returns compared to STI ETF. Post the pandemic, the dividend yield for STI ETF should be somewhat similar to the yield for MBH.

 

[IamLucy]

$1 I cannot

year 1998 ....

 

[reddevil0728]

just curious for people who had diligently dca sti fr about 5-10 yrs liao what’s your return like per aum including dividends after all these yrs? Me see sti go up like tortoise go down like labbit

Can go do backtesting.

Yahoo finance can download historical data. Then pick the frequency and calc

 

[Seannie]

you are in that dire of a situation?

I will never know when i might lose my job.

 

[reddevil0728]

I will never know when i might lose my job.

Actually thought the ~1% saving on interest is quite substantial, then just save more for rainy day and down overstretched?

If HDB can give 6 months leeway, then just have at least 6 months of instalment worth of savings?

 

[crystalnox]

just curious for people who had diligently dca sti fr about 5-10 yrs liao what’s your return like per aum including dividends after all these yrs? Me see sti go up like tortoise go down like labbit

5+ years, even with dividends still in the red.

 

[Thoreldan]

I ditched sti etf in aug and never looked back.

Now fully in iwda and a couple of us stocks.

Sti really is meh