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Pt 1 cannot really do in Singapore. Most singaporeans buy their HDB with CPF. Hence need to "top back" CPF. After topping back , most will find that there is hardly any real cash from sale to invest. Pt 2 also no more 3% yield in govt bond for a very long time already... Maybe some corporate -Temaseked linked companies bonds.. but not from govt Singapore Government Bond 10Y But sadly, i also dont have better ideas to suggest. |
Landed properties in the West near the Jurng Lake District are rising in price to catch up with condo prices there. The Jurong Lake District will be the next Marina Bay.
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age: 29
base salary: 7,500 (raise only in 2012 Q2) savings: 25,000 stocks: 10,000 fiancee age: 27 base salary: 5,600 savings: 20,000 share a used 5 year old jap sedan approx 25,950 installment left flat: 490k queenstown hdb ready in 2015 (bto in dec 09 when salary 2.5k each) holiday destinations: beach resort in thailand once a year relatively poor compared to many here. simple lifestyle and save reasonably but can do better. |
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age: 36+
annual base salary: $200K, bonus $30K wife age: 34+ annual base salary: not working now (previously $90K) house: 2-storey freehold terrace (cost $2.2M over 2 years back, current value $2.7M with $850K loan remaining) cash in bank: $570K stocks: $210K (annual dividend of $11K) SRS and insurance cash value: $100K car: bmw 5 series ($15K loan left) doing relatively well compared to my peers with an engineering degree, but still a long away from getting out of the rat race |
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When you get married plus the flat renovations, all those savings will be flushed out. Then you will start from scratch again. Been there, done that. Be patient. My position now is worse. I'm sole breadwinner, income less than your combined salary, and have a 4 yr old to feed, plus both sets of parents to support. Wife dont save and has poor spending habits, so I squeeze every month to save a little. It's hard work and future is unknown, but at least, with every dollar saved, the future is less bleak. |
age: 32
base salary: 12,500 savings: 90,000 stocks: 510,000 unit trust: 130,000 3 year old Audi A6 flat: 620k Bishan hdb resale Average compare to most of my peers, planning to retire before 40. |
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i am anticipating wedding procedures and renovation to flush out my savings. i feel the need to change my lifestyle and save much more. easier said than done. my dream to be out of the rat race seems almost uncertain now. maybe just succumb to what life 'govt' throws at me, stop trying too hard and enjoy the moment. |
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