Investment in a weak economy

*Investment in a weak economy

Get a regular income job first, with at least six month’s of your savings in cash before you consider the following;

1) Investment in Property (HDB or Private)
An Asset or a liability, you chose. For HDB flats, the minimum occupation is 5 years, for EC is even longer, 10 years, before you can sell your property in the Open market. As such, it becomes a liability and my advice is to hedge against the risk of unemployment during this period by buying insurance. For investment purposes, it is prudent to consider both the rental income per annum and capital appreciation of the location of the flat you intend to purchase. Affordability is an issue and properties that the mass market can easily afford will help you find a buyer faster and more liquid in times of need. For private property consider if it is freehold or leasehold with at least more than 50 years of lease left or you will not be able to use your CPF to finance it. Next, find out from the MC if the project’s sinking funds are positive or negative, where positive with a huge balance means the MC can afford to carry out maintainance/improvement works without the owners paying for it, thereafter enhancing the value of the project. For HDB, it is up to the Town Council. Plan your budget carefully and if you cannot afford it, it is better to rent.


2) Hedge against the risk of inflation for your retirement funds
Have a regular savings plan other than your CPF to invest in risker products to hedge against the risk of inflation which may eat into your retirement funds.


3) Have multiple incomes by investing in many incomes to spread your basket of risk

4) Buy games of chance eg lottery where a small bet might help you win a large amount of money


*Disclaimer : Enter at your own risk. What is suitable for me might not be suitable for you.


Contributed by Oogle.

*经济疲弱投资

获取固定收入的工作第一至少6个月现金储蓄之前要考虑到以下;

1)投资物业组屋或私人

资产或负债选择对于政府组屋,最低的职业是5年欧共体甚至更长的时间,10年,才可以在公开市场上出售您的财产因此,它成为一种责任和我的建议是买保险,以对冲在此期间失业的风险作投资用途为谨慎起见,同时考虑每年租金收入及资本增值位置你打算购买单位负担能力是一个问题,大众市场能够承受属性,将帮助您寻找买家更快,更在需要的时候液体对于私有财产的考虑如果是永久业权租赁至少超过50租赁将无法使用您的公积金融资接下来找出从MC如果该项目的沉没资金积极或消极的其中一个巨大的平衡阳性意味着管委会能够进行没有业主支付maintainance/改善工程此后提高项目价值为HDB它是由镇议会仔细规划预算如果你买不起不如

2)对冲通胀的风险退休基金

一个定期储蓄计划您的公积金以外其他risker产品进行投资,以对冲通胀风险可能吃进退休基金

3)多个收入,传播你的篮子风险投资在许多收入

4)一个小赌注可能会帮助你赢得了大量的资金购买机会,例如彩票游戏

*免责声明:进入您自己的风险什么是适合我可能不适合你

撰稿人Oogle

Author: Gilbert Tan TS

IT expert with more than 20 years experience in Multiple OS, Security, Data & Internet , Interests include AI and Big Data, Internet and multimedia. An experienced Real Estate agent, Insurance agent, and a Futures trader. I am capable of finding any answers in the world you want as long as there are reports available online for me to do my own research to bring you closest to all the unsolved mysteries in this world, because I can find all the paths to the Truth, and what the Future holds. All I need is to observe, test and probe to research on anything I want, what you need to do will take months to achieve, all I need is a few hours.​

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