Savings, FDs, cpf & investments - how do u grow your money?

[oBiGeekie]

@Unionbic If you have no time to manage just go for VWRA for global exposure and STI for Singapore 😅

 

70% global, 20% Singapore 10% others (gold, cash, bitcoin)

 

Again it’s up to your age, tolerance level, and goals. This is not financial advice 😂

[Unionbic]

26 minutes ago, oBiGeekie said:

@Unionbic If you have no time to manage just go for VWRA for global exposure and STI for Singapore 😅

 

70% global, 20% Singapore 10% others (gold, cash, bitcoin)

 

Again it’s up to your age, tolerance level, and goals. This is not financial advice 😂

Thanks, that is good advise  especially on the age bit

 

I'm actually started with stock picking, am 65% in local market 10% in US, remainder are in various countries, metals & cash.

 

But thinking back if I gone down the ETF route have gotten better returns and less hassle, but too late I'm reluctant to redo the portfolio. Right now mainly aiming for income generating counters for ease of mind 

[milodinosaur91]

3 hours ago, QinWei said:

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

Oh actually i did invest but not sure if im doing it right 
wa you actually remember me, im quite touched hehe

[Anon_cock]

6 hours ago, milodinosaur91 said:

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

 

Endowus I choose to the core flagship 100% aggressive all equities cause I already have safe investment in terms of bonds and cpf and stashaway. 

 

Stash away I forgot how to see. It's core don't know the Sri 22% (balanced) equities and bonds. They keep changing the underlying funds I also don't know. 

 

44. Yeah I also do the top up cpf strategy that 1M65 basically max out your MA and SA to gain high interest. Last year alone cpf gain 15k interest. Madness!!

 

I don't know ah. I have very low cash flow I live like a student, whatever extra go into investment. But not that great compared to other finance bro. I guess my strategy is spend less than you earn so you can invest the rest. 

 

And don't spend... That's why I'm so miserable... 

[milodinosaur91]

 

3 hours ago, Anon_cock said:

 

Endowus I choose to the core flagship 100% aggressive all equities cause I already have safe investment in terms of bonds and cpf and stashaway. 

 

Stash away I forgot how to see. It's core don't know the Sri 22% (balanced) equities and bonds. They keep changing the underlying funds I also don't know. 

 

44. Yeah I also do the top up cpf strategy that 1M65 basically max out your MA and SA to gain high interest. Last year alone cpf gain 15k interest. Madness!!

 

I don't know ah. I have very low cash flow I live like a student, whatever extra go into investment. But not that great compared to other finance bro. I guess my strategy is spend less than you earn so you can invest the rest. 

 

And don't spend... That's why I'm so miserable... 

 

No leh I like the way u did it hehehe very impressive. Thanks for sharing 

[Anon_cock]

10 hours ago, milodinosaur91 said:

 

 

No leh I like the way u did it hehehe very impressive. Thanks for sharing 

 

is it? i thought its the average finance bro strategy.

[QinWei]

19 hours ago, milodinosaur91 said:

Oh actually i did invest but not sure if im doing it right 
wa you actually remember me, im quite touched hehe

of cos i rem every single souls and their multiple accounts(if any)

and i m the only one ie constantly at this threaad

[QinWei]

if u prefer something like FD 
https://portal.bigfundr.com/BigFundr/SignUp?ReferralCode=R43464T

 

where could u get 4.8% p.a , where?

 

Invest in Kew Note @ 5% net interest p.a. now b4 20Feb 

all selling and snatching like hot cakes
fully snatched:

 

Your preferred Fixed Income Investment In Singapore

now stock markets appeared bullish , so it may appeared that your current own invesmts are soaring 
 

https://bigfundr.com/statistics

 

https://eservices.mas.gov.sg/fid/institution/detail/243327-BIGFUNDR-PRIVATE-LIMITED

Edited February 13 by QinWei

[QinWei]

simple options for Cash lying around...

 

 

 

[QinWei]

 

 

 

[QinWei]

 

where are u now ? facing larger inequality in wealth in Sg
dont let ur cash equity erode away by inflation please

Average household wealth among resident households

	Overall (S$'000)	Total household wealth percentiles (S$'000)
		Bottom 20%	21st-40th	Middle 20%	61st-80th	Top 20%
Property asset value	1,121	221	500	634	861	3,388
Net CPF balances	387	114	199	328	520	771
Other financial assets	401	29	68	142	330	1,435
Total assets (A)	1,909	365	768	1,105	1,711	5,595
Mortgages	146	64	97	105	146	317
Other liabilities	8	8	5	6	7	13
Total liabilities (B)	153	71	101	111	153	331
Total wealth (A-B)	1,755	293	666	994	1,558	5,264

1. Households are ranked by total household wealth.
2. Property values were estimated using the market value of similar properties in Q2 2023. Outstanding mortgage loans on dwellings were based in a combination of (i) administrative data for loans administered by HDB, and (ii) outstanding bank loans reported by respondents. Net CPF balances refers to CPF balances net withdrawals as at end-June 2023. It includes annuity premiums in the CPF LIFE and excludes monies invested via CPF Investment Scheme or used to pay for housing.

Source: SingStat

 

Distribution of household wealth components among resident households, 2023

1. Households are ranked by total household wealth.
2. Property values were estimated using the market value of similar properties in Q2 2023. Outstanding mortgage loans on dwellings were based on a combination of (i) administrative data for loans administered by HDB, and (ii) outstanding bank loans reported by respondent

s. Net CPF balances refers to CPF balances net withdrawals as at end-June 2023. It includes annuity premiums in the CPF LIFE and excludes monies invested via CPF Investment Scheme or used to pay for housing.
3. Figures may not add up to 100% due to rounding.
 

Source: Ministry of finance

 

https://www.businesstimes.com.sg/singapore/top-20-singapore-households-hold-average-wealth-s5-3-million-mof

 

Households in the bottom 20 per cent held positive net wealth of S$293,000 on average, also driven by home equity/property eg HDB flat

This contrasts sharply with countries elsewhere. In the United Kingdom and Australia, for example, households in the bottom quintile have zero or negative home equity on average, MOF said.

[QinWei]

what to do now when facing iranian war?
 

what to invest now?

 

[QinWei]

oooh Ritchie from Media corp said he didnt have Invesmts/ or cryptos

savings : and insur saving package are just savings (indeed) 

[QinWei]

dont just blindly buy into them

see their valuations:
 

 

[QinWei]

 

 

 

 

 

london gold market is MUCH more liquid nevertheless, 
sg wanna broaden its choice of gold pdts

 

 

Do we tend to compare income?How do u know u r  investing fine?

 

Edited March 28 by QinWei

[QinWei]

both the answers to your 2 qns , both (all) 

On 2/12/2026 at 2:13 PM, Unionbic said:

1) invest on your own or use etf to make up the investments. If you do
2) your own are you mainly in local SG markets or overseas i.e US 

it dpends,
2) now as i aged overseas more

 

I think i missout replying you, so sorry



@milodinosaur91 : for beginners

 

 

[QinWei]

Best saving accounts : in case u r still pondering

but do note all will come with conditions nowadays
You just have to pick one that you are most comfortable with 

in facing uncertainty in markets?
are u scared just because of Short-term noises

is volatility your enemy?

 

Edited April 5 by QinWei

[QinWei]

where is best to park it

 but there is no need to keep chasing and changing

& Ctrip ie Trip.com 
Skyscanner etc is NOW trading 

 

Edited April 9 by QinWei

[QinWei]

On 2/11/2026 at 9:10 PM, 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

Made ez for u:

 

[QinWei]

no best strategy
u still have to decide all by YOUR own

aggressive wins , unless u stick to it when market tumbles

Edited April 17 by QinWei

[QinWei]

 

Asset rich, but cash Poor?
 

 

[QinWei]

anyone bought the Ipo for SK Hynix  ADR U.S. listing on the Nasdaq ? 

 

https://www.reuters.com/world/asia-pacific/south-koreas-sk-hynix-launch-28-billion-us-listing-ride-global-ai-wave-2026-07-06/

 

[QinWei]