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Old 06-12-2015, 05:29 PM
Unregistered-working hard
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Default Hard Working Couple

Both myself and wife are 37 years old, both are employees with combined annual income S$190k (12 mth salary).
Staying in a fully paid up 5 room HDB (now worth around $650k)
Own a condo and rent out to earn monthly rental income of $3.5k (valued at around $1.5mil, outstanding loan $1mil)
Combined CPF balance (OA) and cash savings $180k
Have two children still in pre-school - monthly expenses $2.6k
Parents monthly allowance - $2k
Monthly insurance premiums - $1.5k
Monthly combined savings - $5.6k
Any Variable bonuses will be saved for rainy days and children's university

We don't own a car and seldom eat in restaurants unless with parents and children. We both come from humble families and understand the importance of saving $$, we don't own any shares/bonds.

Are we doing fine? Appreciate any advice on safe investings tips.
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