QinWei Posted October 7, 2025 Author Posted October 7, 2025 (edited) read widely, @redkiwi I m not a finanical advisor i cannot help you be very wary esp to ILP which promised welcome promotions/benefits or cash upfront This year, 57 complaints were lodged in the first half-year (just half yr) and last year's whole year complaints are only 55!! More to come Investment-linked insurance plans: That welcome bonus could cost more than you expect There is no reason to have ILPs in one’s portfolio, given their high fees, limited fund options and lock-in structure, says Christopher Tan, CEO of wealth advisory firm Providend. https://bt.sg/KNyq Alwys tell yourself Investmt is invesmt insur is Insurance there is NO such thing as invesmt that comes w bit of Insurance! https://www.mas.gov.sg/news/parliamentary-replies/2025/written-reply-to-parliamentary-question-on-investment-linked-policies Edited October 7, 2025 by QinWei Quote there are more than one option avail in googling me https://x.com/gnnbccb?s=21&t=WxsKRj9hm-pT2wyoEmonPQ
redkiwi Posted October 7, 2025 Posted October 7, 2025 (edited) On 10/7/2025 at 1:30 PM, QinWei said: read widely, @redkiwi I m not a finanical advisor i cannot help you be very wary esp to ILP which promised welcome promotions/benefits or cash upfront This year, 57 complaints were lodged in the first half-year (just half yr) and last year's whole year complaints are only 55!! More to come Investment-linked insurance plans: That welcome bonus could cost more than you expect There is no reason to have ILPs in one’s portfolio, given their high fees, limited fund options and lock-in structure, says Christopher Tan, CEO of wealth advisory firm Providend. https://bt.sg/KNyq Alwys tell yourself Investmt is invesmt insur is Insurance there is NO such thing as invesmt that comes w bit of Insurance! https://www.mas.gov.sg/news/parliamentary-replies/2025/written-reply-to-parliamentary-question-on-investment-linked-policies Hey thanks. Yeah, trying to read more. Not seeking any professional advice, definitely not at bw lah haha. But appreciate your inputs. I agree the fee structure is not transparent and the lock in as you mentioned is super long. Important thing i feel is to continue educate yourself and invest. Edited October 8, 2025 by redkiwi QinWei 1 Quote
QinWei Posted October 8, 2025 Author Posted October 8, 2025 investment must start before NS no1 should ignore the strategies of CPF many keep accusing that CPF is not a good tool and doesnt pay well Who said so? Quote there are more than one option avail in googling me https://x.com/gnnbccb?s=21&t=WxsKRj9hm-pT2wyoEmonPQ
bluerunner Posted October 8, 2025 Posted October 8, 2025 On 10/7/2025 at 1:30 PM, QinWei said: read widely, @redkiwi I m not a finanical advisor i cannot help you be very wary esp to ILP which promised welcome promotions/benefits or cash upfront This year, 57 complaints were lodged in the first half-year (just half yr) and last year's whole year complaints are only 55!! More to come Investment-linked insurance plans: That welcome bonus could cost more than you expect There is no reason to have ILPs in one’s portfolio, given their high fees, limited fund options and lock-in structure, says Christopher Tan, CEO of wealth advisory firm Providend. https://bt.sg/KNyq Alwys tell yourself Investmt is invesmt insur is Insurance there is NO such thing as invesmt that comes w bit of Insurance! https://www.mas.gov.sg/news/parliamentary-replies/2025/written-reply-to-parliamentary-question-on-investment-linked-policies Red hot topics now. I may have 1-2 ILPs too. Damn. Quote
QinWei Posted October 8, 2025 Author Posted October 8, 2025 har? when u made the purchase, u didnt know? 28 minutes ago, bluerunner said: may have 1-2 ILPs too. Damn. but not trying to pry U may just share how much of your invesmts are into ilp v your the other invesmts and savings?and roughly when did u purchase that 2 ILP eg before covid or way much earlier ... we been alwys sharing since day1: not cos there are news on it those content we shared are never ILP encouraging too just follow the formula: insur is insur/protect and Invesmts are invesmts, they are NOT speculations /gamble all things ie not encouraged must not be in this forum/thread ILP cant b wdrawn, hence those in the 20% composition of "Savings" must be highly liquid (of cos it include your daily savings and your salary if you are not retired) in item 3: it meant your endowment/ILP is already due eg i recently gotten back my SSB since 2015s that era it was 10yrs but dueing ie fine that made u sure that your 20% is getting liquid again applying the formula mentioned countless(above) , item 1 (10%) is the Insur/protection and it is fine to be less than 10% you may classify ILP into that if you deemed ur ILP as insurance /protection (i m not God, i dont set these definition, some of your lifestyles could be very unique and i dont know all your portfolio*) * but for sure i know and heard of many Gen X and above /boomers tend to compose it with 50% ILP and Insurance instead On 6/1/2024 at 8:29 PM, QinWei said: If you apply 10-70-20, you are in a controlled spending. 1. 10% +/- into protection, such as term,life,hospital insurance 2. 70% into spending such as car loans, house loans, and the other 11 categories I shall elaborate next time 3. 20% into savings. It can be cold cash in bank, such as high yield saving. if need be, Into endowment, into ilp. Anything that is used as 6 mths emergency cash, liquidfiable. After 6 mths cash, consider to split some into investment around 4% & above i believe there is a much older thread also on investmts here .... Quote there are more than one option avail in googling me https://x.com/gnnbccb?s=21&t=WxsKRj9hm-pT2wyoEmonPQ
QinWei Posted October 11, 2025 Author Posted October 11, 2025 will S&P hit 7K? i think so before it will slide down again now it is @ 6,552.51 https://www.spglobal.com/spdji/en/indices/equity/sp-500/#overview Quote there are more than one option avail in googling me https://x.com/gnnbccb?s=21&t=WxsKRj9hm-pT2wyoEmonPQ
QinWei Posted October 15, 2025 Author Posted October 15, 2025 who started buying back China's? Alibaba and 10cent? Quote there are more than one option avail in googling me https://x.com/gnnbccb?s=21&t=WxsKRj9hm-pT2wyoEmonPQ
milodinosaur91 Posted October 15, 2025 Posted October 15, 2025 Should I buy s&p now in StashAway? Quote
QinWei Posted October 16, 2025 Author Posted October 16, 2025 buy straight 19 hours ago, milodinosaur91 said: Should I buy s&p now in StashAway? Dont use Robo advisors Quote there are more than one option avail in googling me https://x.com/gnnbccb?s=21&t=WxsKRj9hm-pT2wyoEmonPQ
milodinosaur91 Posted October 20, 2025 Posted October 20, 2025 On 10/16/2025 at 6:53 PM, QinWei said: buy straight Dont use Robo advisors Oh why ah? But I’m quite noob hahahha thought that is easier Quote
QinWei Posted October 21, 2025 Author Posted October 21, 2025 (edited) as a noob yes @milodinosaur91 of cos I believed u have already bought by NOW since u asked last wed and it take one click to do it on a robo just wondering why didnt you pick Endowus Robo or Syfe robo (brokerage) instead? but once u r not a noob , u may use other apps S&P still have a few more years before it will crash you may only start to take note after next mid year Edited October 21, 2025 by QinWei Quote there are more than one option avail in googling me https://x.com/gnnbccb?s=21&t=WxsKRj9hm-pT2wyoEmonPQ
QinWei Posted October 21, 2025 Author Posted October 21, 2025 many been using Poems to buy (i didnt have poems) Amundi Prime USA Poems is the cheapest for now - that Amundi followed as closely as ur S&P i prefer IUIT based on the chart can u tell me which colour is the highest at all time? https://finance.yahoo.com/chart/^SPX?guccounter=1&guce_referrer=aHR0cHM6Ly9sb2dpbi55YWhvby5jb20v&guce_referrer_sig=AQAAAGosyjmTPyUDbD6pEsQokj-6_hF8PXtf26Q2XJw71di0NN9r1x2fk_S7dWjBRp7kDlWINHPyV60mX4JYOf2tEdkT0iO6nlFZO0odidVhJn7od1vnSAVV4Vyh6vlN4jRIlNXAC1Ay15LUrBRvnVdy1qKdRtRXjaPsX5NFWFDXtoOe#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 need to know how noob u r Quote there are more than one option avail in googling me https://x.com/gnnbccb?s=21&t=WxsKRj9hm-pT2wyoEmonPQ
milodinosaur91 Posted October 21, 2025 Posted October 21, 2025 Yellow. I really very noob hahaha Quote
milodinosaur91 Posted October 21, 2025 Posted October 21, 2025 I hear a lot of people using StashAway so I am just exploring Quote
QinWei Posted October 21, 2025 Author Posted October 21, 2025 38 minutes ago, milodinosaur91 said: Yellow. I really very noob hahaha not bad woh the yahoo chart allowed u to click below 5yrs comparison, 1yr, few mths etc 100 marks! ie IUIT my fav!!! but Stashawy, Syfe (brokerage) , syfe is a robo endowus wont hve IUIT to be honest , the most user friendly robo (may not be the cheapest) is Endowus and Syfe robo n yes, every of my adv provided in this thread is my personal experiene u r right to share i own and use all the other robos too and many more Quote there are more than one option avail in googling me https://x.com/gnnbccb?s=21&t=WxsKRj9hm-pT2wyoEmonPQ
milodinosaur91 Posted October 21, 2025 Posted October 21, 2025 Orh okay, so I should move to Endowus now? Hahaha Quote
QinWei Posted October 21, 2025 Author Posted October 21, 2025 be firmed at your choice you must have felt comfy w Stashaway hence u picked it 1 hour ago, milodinosaur91 said: I hear a lot of people using StashAway so I am just exploring Dont keep changing, it is like shopping for eggs in supermkt: 41 minutes ago, milodinosaur91 said: so I should move to Endowus now? Hahaha nice features usually wont come too cheaply Quote there are more than one option avail in googling me https://x.com/gnnbccb?s=21&t=WxsKRj9hm-pT2wyoEmonPQ
radiusulnar Posted October 21, 2025 Posted October 21, 2025 I think endowus allowed SRS use earlier than stashaway. That's how I ended up with endowus Quote
QinWei Posted October 22, 2025 Author Posted October 22, 2025 yup in fact i used SA before but somehow i felt disagreeable w their policy of having too much Gold at that time Quote there are more than one option avail in googling me https://x.com/gnnbccb?s=21&t=WxsKRj9hm-pT2wyoEmonPQ
QinWei Posted October 23, 2025 Author Posted October 23, 2025 some of u asked qns (which is gd) but sadly i dont know ur age range eg 50-55 40-45 cos it might differ abit if u r of a diff age grp bluerunner 1 Quote there are more than one option avail in googling me https://x.com/gnnbccb?s=21&t=WxsKRj9hm-pT2wyoEmonPQ
QinWei Posted October 28, 2025 Author Posted October 28, 2025 2 more cuts will come Quote there are more than one option avail in googling me https://x.com/gnnbccb?s=21&t=WxsKRj9hm-pT2wyoEmonPQ
QinWei Posted October 31, 2025 Author Posted October 31, 2025 (edited) Which cpf payout to take?? or shd u defer? ask him: Escalate or standard plans!?? Edited October 31, 2025 by QinWei Quote there are more than one option avail in googling me https://x.com/gnnbccb?s=21&t=WxsKRj9hm-pT2wyoEmonPQ
QinWei Posted November 2, 2025 Author Posted November 2, 2025 now i dont quite like Reits Quote there are more than one option avail in googling me https://x.com/gnnbccb?s=21&t=WxsKRj9hm-pT2wyoEmonPQ
QinWei Posted November 6, 2025 Author Posted November 6, 2025 (edited) possible! nobody can predict , i think Gustav sold his shares (DBS) and still the share price keep rising even up till now Edited November 6, 2025 by QinWei Quote there are more than one option avail in googling me https://x.com/gnnbccb?s=21&t=WxsKRj9hm-pT2wyoEmonPQ
QinWei Posted November 6, 2025 Author Posted November 6, 2025 On 10/7/2025 at 1:52 PM, redkiwi said: Yeah, trying to read more. and where is Milo and Redkiwi now? to me Managed pf, didnt seem to help much!!! but in terms of EASE Of work, of cos it is indeed much eased! Redkiwi doesnt sound too young? On 10/21/2025 at 4:59 PM, milodinosaur91 said: I hear a lot of people using StashAway so I am just exploring as you know your risk appetite is diff according to your age grp On 10/23/2025 at 10:19 AM, QinWei said: cos it might differ abit if u r of a diff age grp Quote there are more than one option avail in googling me https://x.com/gnnbccb?s=21&t=WxsKRj9hm-pT2wyoEmonPQ
QinWei Posted November 20, 2025 Author Posted November 20, 2025 digi currencies, Tokenised MAS Tbills - not a Fintech Hype https://www.xiaohongshu.com/explore/691dba4d000000001d038b69?xsec_token=ABfW8sNePRqQGFoi6bfj7U4B63TWICNhB_hRJXQLl5wYM=&xsec_source=pc_feed Quote there are more than one option avail in googling me https://x.com/gnnbccb?s=21&t=WxsKRj9hm-pT2wyoEmonPQ
QinWei Posted December 1, 2025 Author Posted December 1, 2025 incld bigfundr: passive income: SGX, ST ENgr , Netlink Trust Quote there are more than one option avail in googling me https://x.com/gnnbccb?s=21&t=WxsKRj9hm-pT2wyoEmonPQ
QinWei Posted December 2, 2025 Author Posted December 2, 2025 Although silver has up by 70%, central banks dont hold silver (but gold) Quote there are more than one option avail in googling me https://x.com/gnnbccb?s=21&t=WxsKRj9hm-pT2wyoEmonPQ
QinWei Posted December 12, 2025 Author Posted December 12, 2025 b4 the year ends ... b4 it became too late Quote there are more than one option avail in googling me https://x.com/gnnbccb?s=21&t=WxsKRj9hm-pT2wyoEmonPQ
QinWei Posted December 18, 2025 Author Posted December 18, 2025 do it soon: Quote there are more than one option avail in googling me https://x.com/gnnbccb?s=21&t=WxsKRj9hm-pT2wyoEmonPQ
QinWei Posted December 20, 2025 Author Posted December 20, 2025 (edited) Always believed in Less is MORE Edited December 20, 2025 by QinWei bluerunner 1 Quote there are more than one option avail in googling me https://x.com/gnnbccb?s=21&t=WxsKRj9hm-pT2wyoEmonPQ
bluerunner Posted December 20, 2025 Posted December 20, 2025 3 hours ago, QinWei said: Always believed in Less is MORE Very detail discussion. Unfortunately, the wait for bed at public hospital is too long. Even seeing a doctor/specialist there needs to join long queue. They even ask you to go elsewhere if you can’t wait. Quote
QinWei Posted December 21, 2025 Author Posted December 21, 2025 (edited) On 12/20/2025 at 9:44 PM, bluerunner said: Unfortunately, the wait for bed at public hospital is too long. Even seeing a doctor/specialist there needs to join long queue. They even ask you to go elsewhere if you can’t wait. Bluerunner are u ref to Emergency cases or planned for an op case? For emergency yes, the wait is long but they will still place you in a unit ie Air-conditioned, and the care is still there not too bad though it is parking for a ward situation my whose child is a doc, he said he suffered , not possible to take leave, have to plan it according to a team of doctors , yes , there is Off-in-lieus , there is leave but hard to take them .... cos doctors not enough, and Sg's public hosp has hired many foreign talents already and for my health shield (integrated shield plan) IP https://www.moneysmart.sg/health-insurance/best-integrated-shield-plans-singapore-ms i chose the b1 - in case i need pte hosp too I am sorry , the best hospital in Sg is NOT Mt E , not Gleneacles but the place i called home: Home of Lee KY's last moment Home of this case: though they didnt save the patient: - https://www.facebook.com/asiaonecom/posts/singapores-ministry-of-foreign-affairs-mfa-said-in-a-statement-on-dec-18-that-de/1285548950264254/ i need ONLY one gd hospital (less is MORE , not pay MORE to mORE it) my CEO too (Sg PR) felt that too Rem when Heng Heng and the dua liap Ministers fainted ,they are all rushed to SGH and nowhere else I willl "kill" u if u dare to send impt characters to non-world class hospital please I hope none of u r looking at some other hospital, do share w me if u are! the best are in govt hosps not just in sg: https://www.facebook.com/share/r/1BnQ6wEZ2n/?mibextid=wwXIfr mine ok leh Income: i dont need to be waste $ totally alone too IP coverage table 2025: Providers at a glance https://www.moh.gov.sg/managing-expenses/schemes-and-subsidies/integrated-shield-plans/comparision-of-integrated-shield-plans/ Criteria AIA HealthShield Gold Max (Plan A) Prudential PRUShield (Premier) Great Eastern Supreme Health (P Plus) Singlife Shield Income Enhanced IncomeShield Ward class coverage Private hospital/Class A public hospital Private hospital/Class A public hospital Private hospital/Class A public hospital Private hospital/Class B1 or A public hospital Private hospital/Class B1 or A public hospital Premiums Mid-to-high range. Get a quote from MoneySmart Mid-to-high range. Get a quote from MoneySmart Mid-to-high range. Get a quote from MoneySmart Mid range. Get a quote from MoneySmart Mid-to-low range. Get a quote from MoneySmart Panel vs non-panel hospital access Extensive Preferred Provider panel (AQHP), non-panel claims may be prorated (e.g. 85–100% reimbursement) Strong panel (PRUPanel Connect), non-panel subject to co-pay/deductible Extensive panel (Health Connect), non-panel subject to co-payment/proration with reduced benefits unless pre-authorised Priority access to Singlife’s extensive panel of 700+ private medical specialists, including mental wellness benefit, subject to co-insurance/annual deductible Panel access to over 600 healthcare providers (and Extended Panel with 200+ specialists), with treatments at Restructured Hospitals eligible for same benefits Claim limit (per policy year) Up to $2 million Up to $2 million Up to $1.5 million Up to $2 million Up to $1.5 million Inpatient psychiatric limit (per policy year) Up to $5,000 Up to $8,000 Up to $5,000 As charged, subject to co-insurance and up to specified limits in Benefits Schedule Up to $20,000 Pre- and post-hospitalisation coverage Up to 13 months before and after (with AIA Preferred Provider) / 100 days (non-preferred) Up to 180 days pre-hospitalisation / 365 days post-hospitalisation 180 days pre-hospitalisation / 365 days post-hospitalisation Up to 180 days for pre-hospitalisation/Up to 365 days for post-hospitalisation Up to 180 days for pre-hospitalisation/Up to 365 days for post-hospitalisation Optional riders* AIA Max VitalHealth PRUExtra GREAT TotalCare Singlife Health Plus Deluxe Car Rider or Classic Care Rider *Since 2019, all IP riders include a minimum 5% co-payment, capped at $3,000 Edited December 24, 2025 by QinWei gayboysgx 1 Quote there are more than one option avail in googling me https://x.com/gnnbccb?s=21&t=WxsKRj9hm-pT2wyoEmonPQ
QinWei Posted December 30, 2025 Author Posted December 30, 2025 Wealth well distributed in Sg? Quote there are more than one option avail in googling me https://x.com/gnnbccb?s=21&t=WxsKRj9hm-pT2wyoEmonPQ
radiusulnar Posted January 1 Posted January 1 CPF interest is in! If only regular bank interest is so good Quote
QinWei Posted January 2 Author Posted January 2 who place in bank now?? at least it has to be SSB 17 hours ago, radiusulnar said: CPF interest is in! If only regular bank interest is so good Quote there are more than one option avail in googling me https://x.com/gnnbccb?s=21&t=WxsKRj9hm-pT2wyoEmonPQ
QinWei Posted January 3 Author Posted January 3 (edited) closed system https://www.facebook.com/share/p/17zFzbYv4j/?mibextid=wwXIfr if one wanna it riskier, you have the equity market On 12/1/2025 at 7:51 PM, QinWei said: incld bigfundr: passive income: SGX, ST ENgr , Netlink Trust Edited January 3 by QinWei Quote there are more than one option avail in googling me https://x.com/gnnbccb?s=21&t=WxsKRj9hm-pT2wyoEmonPQ
QinWei Posted January 8 Author Posted January 8 getting the MAX insur and yet paid the least less is MORE! Quote there are more than one option avail in googling me https://x.com/gnnbccb?s=21&t=WxsKRj9hm-pT2wyoEmonPQ
QinWei Posted January 13 Author Posted January 13 (edited) of cos not as in doing nothing but u still have to... Edited January 13 by QinWei Quote there are more than one option avail in googling me https://x.com/gnnbccb?s=21&t=WxsKRj9hm-pT2wyoEmonPQ
QinWei Posted January 15 Author Posted January 15 (edited) save more or spend more ? how many of u save and spend on travelling mainly? if not a staycation in sg? payout using Standard,basic or Escalating? Edited January 15 by QinWei Quote there are more than one option avail in googling me https://x.com/gnnbccb?s=21&t=WxsKRj9hm-pT2wyoEmonPQ
QinWei Posted January 16 Author Posted January 16 Would spend less help? if u could can just own one stock? Quote there are more than one option avail in googling me https://x.com/gnnbccb?s=21&t=WxsKRj9hm-pT2wyoEmonPQ
QinWei Posted February 4 Author Posted February 4 R there any topics more crucial than investments?? Quote there are more than one option avail in googling me https://x.com/gnnbccb?s=21&t=WxsKRj9hm-pT2wyoEmonPQ
QinWei Posted February 8 Author Posted February 8 for bond(on SGX) lovers Quote there are more than one option avail in googling me https://x.com/gnnbccb?s=21&t=WxsKRj9hm-pT2wyoEmonPQ
QinWei Posted February 10 Author Posted February 10 Everyone will wish for higher interests but Minister insisted they cannot do more!! (As cpf is guaranteed) Quote there are more than one option avail in googling me https://x.com/gnnbccb?s=21&t=WxsKRj9hm-pT2wyoEmonPQ
milodinosaur91 Posted February 11 Posted February 11 Hello all my finance god-bro, is there any good lobang for investment to get started. Have tried stashaway but the payout not so good Helpppp helpppp meeeee Quote
Anon_cock Posted February 11 Posted February 11 1 hour ago, milodinosaur91 said: Hello all my finance god-bro, is there any good lobang for investment to get started. Have tried stashaway but the payout not so good Helpppp helpppp meeeee I started trying both stashaway and endowus during covid ... just contribute monthly. today it's at: Endowus: +22.42% Stashaway: +23.63% I dunno, not finance bro. I live debt free, dont go holiday. Now my CPF got 500k and between both stashaway (25k), endowus (30k), sg bond (25k).. not rich but not poor, everything stuck in investment cause i scared poor at old age, so suffer now so can relax later. raymond_lee 1 Quote
milodinosaur91 Posted February 12 Posted February 12 14 hours ago, Anon_cock said: I started trying both stashaway and endowus during covid ... just contribute monthly. today it's at: Endowus: +22.42% Stashaway: +23.63% I dunno, not finance bro. I live debt free, dont go holiday. Now my CPF got 500k and between both stashaway (25k), endowus (30k), sg bond (25k).. not rich but not poor, everything stuck in investment cause i scared poor at old age, so suffer now so can relax later. oh if u dont mind sharing what kind of "plan" did u get for like stashaway and endowus? and also dont mind me asking, how old r u? wa your investment and cpf seems very rich hehehe Quote
QinWei Posted February 12 Author Posted February 12 16 hours ago, milodinosaur91 said: Hello all my finance god-bro, is there any good lobang for investment to get started. Have tried stashaway but the payout not so good Helpppp helpppp meeeee even if it s endowus U need to decide which u r buying into most used their CPF OA to buy endowus 's U can use POEM to buy too(dont have to be endowus) why let ur CPF rest? OA is 2.5% unless u transfer them to SA U can compare and contrast what do u luv https://endowus.com/investment-funds-list after u add the "+" sign and then u can compare them(on the right) there is a compare fund https://endowus.com/investment-funds-list/fund-compare?ids=LU2420245917,LU2420246055 the MSCI world fund and Amundi prime USA is alwys top popular https://endowus.com/investment-funds-list/amundi-prime-usa-fund-LU2420246055 https://endowus.com/investment-funds-list/amundi-index-msci-world-fund-LU2420245917 Quote there are more than one option avail in googling me https://x.com/gnnbccb?s=21&t=WxsKRj9hm-pT2wyoEmonPQ
QinWei Posted February 12 Author Posted February 12 On 10/20/2025 at 8:41 PM, milodinosaur91 said: Oh why ah? But I’m quite noob hahahha thought that is easier before oct , u asked some qns and went missing till 4 mth later? I tot u already started ur invesmt journey Quote there are more than one option avail in googling me https://x.com/gnnbccb?s=21&t=WxsKRj9hm-pT2wyoEmonPQ
Unionbic Posted February 12 Posted February 12 10 minutes ago, QinWei said: before oct , u asked some qns and went missing till 4 mth later? I tot u already started ur invesmt journey Just curious, do you invest on your own or use etf to make up the investments. If you do your own are you mainly in local SG markets or overseas i.e US Quote
Recommended Posts