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Nobody said hes the guru, not even Claire. Seems like you are the only one who have that impression. And being such a high earner and you are lurking here? Its pretty obvious now who is THE stupid one. Quote:
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Zzzz... Sorry to break your fragile little ego. I'm outta here. Out of boredom some days, I just find it fun to troll around and annoyed a bunch of losers :)
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****ing stupid forum n waste of time to read. discussions are not constructive at all....
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green pea NW
1st I'd like to thank those who took the time to share. I feel that most, if not all answers are actual.
Frankly, I find it inspiring and it's good to have something to look up to. as for mine, age 35 NW 835K SGD I find my NW growth rate lagging due to risk averse tendencies. ROE is consistently in the single digit range. |
Comparing myself with all of you out there, I am so embarass to declare my net worth.
But anyway, here it is; 31 year old female, married 5-rm HDB valued at S$440,000 (sharing with hubby, fully paid) 1.5L Car (fully paid) CPF - $0 (used up to clear HDB mortgage) Savings (cash and stocks) - S$50,000 No outstanding loans or debts I used to have much more savings but my savings were almost wiped out to pay for my wedding, honeymoon, car, house renovation, furnitures etc etc about 1 year ago. I also have to give parents. I am currently saving up from scratch at a rate of S$2800 per month consistently in the form of cash, insurance and unit trust/shares. I am not sure when I can achieve what you guys out there have achieved. I am feeling so sad now. Based on my current networth (if any) and savings, please advise me if I can ever dream of a retirement at all. Thanks. :o |
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However, you can always upgrade to a bigger flat or condo, and take on a mortgage. |
I was actually thinking that if I were to pay up all my HDB mortgage as soon as I can, I can then allow my CPF money to grow from then on.
Another question: 1) Is it advisable to sell off my current HDB unit and buy another HDB unit from the resale market? In this way, I will be able to get some cash from the transaction (current unit bought at $220K and now worth $440K) 2) Is it advisable to keep the current unit and instead, buy another condo for investment? In either case, I think that my CPF would be wiped out right?? |
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43, married. (Combined Nett Asset Value as follows) Cash - S$800K Stock - S$1.5m Properties (2 apartments + 1 landed) = S$8.7m ((2.5m + 7m + 7.5m)(value today) - (0.4m + 3.1m + 4.8m)(outstanding loan)) Not including CPF and insurance monies. |
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