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Search: Posts Made By: lazyplane
Forum: Investments and Net Worth 04-11-2019, 07:12 PM
Replies: 1,341
Views: 836,139
Posted By lazyplane
Portfolio concept wise - ok. U should add CPF...

Portfolio concept wise - ok. U should add CPF contribution as well then u can see that your portfolio is probably balanced. 50% savings / 50% REIT&Equity

I will also time the injection into REITs...
Forum: Investments and Net Worth 12-01-2019, 08:38 PM
Replies: 1,341
Views: 836,139
Posted By lazyplane
No .. he has a rich parents that contributed to...

No .. he has a rich parents that contributed to his wealth. He didnt say he earned it.
Forum: Investments and Net Worth 27-07-2017, 05:56 PM
Replies: 1,341
Views: 836,139
Posted By lazyplane
Ha Ha... didnt you say : Afterall emotions...

Ha Ha... didnt you say : Afterall emotions triumph facts.
Just to address a few pts
1. i dont think i mention investing above S$50k in FD under 1 individual name . Please show me where i...
Forum: Investments and Net Worth 21-07-2017, 10:01 PM
Replies: 1,341
Views: 836,139
Posted By lazyplane
Not to side anyone but i also have to disagree...

Not to side anyone but i also have to disagree with your post as well

1. FD is capital guarantee and rather short term. I get back all my capital + interest and i dont need to care about what...
Forum: Investments and Net Worth 06-02-2017, 07:18 PM
Replies: 1,341
Views: 836,139
Posted By lazyplane
I think it is good you are concerned for your...

I think it is good you are concerned for your parents retirement and want to help them out. This is a step in the right direction. I also sense you are seeing a dilemma of "investing" your money now...
Forum: Investments and Net Worth 07-06-2016, 08:52 AM
Replies: 1,341
Views: 836,139
Posted By lazyplane
Normal ? Super -ve networth (if you just consider...

Normal ? Super -ve networth (if you just consider your HDB debt) vs your free cashflow. My rationale is that HDB "value" is not an asset that can be monetise to free cash flow. Even if u sell, you...
Forum: Investments and Net Worth 06-06-2016, 10:52 AM
Replies: 1,341
Views: 836,139
Posted By lazyplane
That is rather the normal. It will be bumpy and...

That is rather the normal. It will be bumpy and your savings will be see sawing with life journeys (eg kids, car, parents etc).

But enjoying the journey is truly impt
Forum: Investments and Net Worth 20-01-2016, 02:10 PM
Replies: 1,341
Views: 836,139
Posted By lazyplane
Why are you promoting this ??

Why are you promoting this ??
Forum: Investments and Net Worth 08-07-2015, 07:35 PM
Replies: 1,341
Views: 836,139
Posted By lazyplane
I read what you are saying but i think your...

I read what you are saying but i think your assumptions applies also to your own view. So how do you know your perspective points are not true as well ?

Anyway, i also dunno why i post a reply to...
Forum: Investments and Net Worth 10-02-2015, 01:13 PM
Replies: 1,341
Views: 836,139
Posted By lazyplane
Can i check a few points on your post ? ...

Can i check a few points on your post ?

1.From what you are posting, you are living in HDB worth around 400k and renting out your condo.

2. From your passive income, you are getting $45k which...
Forum: Investments and Net Worth 24-09-2014, 11:23 AM
Replies: 1,341
Views: 836,139
Posted By lazyplane
I am not very inclined to accept his view cos as...

I am not very inclined to accept his view cos as property agent, buy or sell, i will make a commission. And I feel that the low levels of transactions in this property market has been worrying many...
Forum: Investments and Net Worth 24-08-2014, 10:26 AM
Replies: 1,341
Views: 836,139
Posted By lazyplane
I am not too keen at overseas investments at this...

I am not too keen at overseas investments at this stage of my life. I dont like the FX impact to SGD and if you see the past 5 years, u really need to get above nominal 3~5% returns just to break...
Forum: Investments and Net Worth 15-08-2014, 05:32 PM
Replies: 1,341
Views: 836,139
Posted By lazyplane
Well, it is not that scary. Dont get yourself too...

Well, it is not that scary. Dont get yourself too worried by all the stories out there. Here are some real life point stages/pointers :

1. Like any good parent, i guess you wish to bequeath your...
Forum: Investments and Net Worth 15-08-2014, 03:44 PM
Replies: 1,341
Views: 836,139
Posted By lazyplane
What is the order of priority for your plans : ie...

What is the order of priority for your plans : ie



To start you off, think about the following :
1. Based on your age profile, conceptually both you and your spouse have around 25 years of...
Forum: Investments and Net Worth 19-06-2014, 10:26 PM
Replies: 1,341
Views: 836,139
Posted By lazyplane
Yep.. And like i said, there is something missing...

Yep.. And like i said, there is something missing in your post. Ok. Lets do the maths again .

230k for flat.Not sure how much you paid with cash/cpf. but assume 100% CPF. That means 115k per...
Forum: Investments and Net Worth 19-06-2014, 06:35 PM
Replies: 1,341
Views: 836,139
Posted By lazyplane
By the way, you said u paid your house of 400k...

By the way, you said u paid your house of 400k with CPF.. Thats 200k CPF per pax with the max contribution at 5k in current CPF context... Somewhere, i think u missed stating a few key points on how...
Forum: Investments and Net Worth 19-06-2014, 06:31 PM
Replies: 1,341
Views: 836,139
Posted By lazyplane
I dont doubt your post on your net worth. But...

I dont doubt your post on your net worth.
But you are not disclosing how you arrive there completely.

You stated you & spouse 32/31. Between you and your spouse, you have average of max 8-10 yrs...
Forum: Investments and Net Worth 07-03-2014, 05:56 PM
Replies: 1,341
Views: 836,139
Posted By lazyplane
I have been reading some post of that seem to...

I have been reading some post of that seem to indicate that you can accumulate wealth of $3.5m by age 50 and it seems some younger people are questioning this.

I think the bigger question to those...
Forum: Investments and Net Worth 01-12-2013, 11:08 PM
Replies: 1,341
Views: 836,139
Posted By lazyplane
Just for fun : since you didnt state the...

Just for fun :
since you didnt state the currency, someone can choose to nominate it.
For anyone whom is keen, try Zimbabwean dollar.

The Financial Services Club's Blog: Zimbabwe's currency...
Forum: Investments and Net Worth 22-11-2012, 06:24 PM
Replies: 1,341
Views: 836,139
Posted By lazyplane
Dude... Pt 1 cannot really do in Singapore. ...

Dude...
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...
Forum: Investments and Net Worth 09-04-2011, 12:14 AM
Replies: 1,341
Views: 836,139
Posted By lazyplane
yeah but we r already dying each moment.. and it...

yeah but we r already dying each moment.. and it feels so good to be lazy.
Forum: Investments and Net Worth 09-04-2011, 12:11 AM
Replies: 1,341
Views: 836,139
Posted By lazyplane
bro my last post on this ... i just want to say u...

bro my last post on this ... i just want to say u should think a bit more and if u really believe all the stuff u said then show the proof ... saying u r trying to be mentally prepared is like saying...
Forum: Investments and Net Worth 08-04-2011, 11:05 AM
Replies: 1,341
Views: 836,139
Posted By lazyplane
One more thing, i really do love your view, cos...

One more thing, i really do love your view, cos it fits me.. i am very lazy.. and such a view give me more "encouragement" to be lazier... * YAWN.....
Forum: Investments and Net Worth 08-04-2011, 11:03 AM
Replies: 1,341
Views: 836,139
Posted By lazyplane
Actually, i dont see your point . Ha ha.. sorry,...

Actually, i dont see your point . Ha ha.. sorry, just being honest here.
Cos what you seem to be saying is the world is coming to end... and sorry guys, but there is no solution. Just accept it and...
Forum: Investments and Net Worth 07-04-2011, 11:12 AM
Replies: 1,341
Views: 836,139
Posted By lazyplane
wow. .. think better stay on island , buy fishing...

wow. .. think better stay on island , buy fishing boat and learn to feed myself if your predictions are true.

Anyway, here is some thoughts

1. U.S. Treasuries get dumped by all countries, and...
Showing results 1 to 25 of 26

 
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