melmel

Planning to invest some CPF before the 1st April CPF new rule..

Heard from my friend that investment companies diversify the amt into many different investments...

I have bought Msia unit trust from DBS n regional fixed income fund from AIA. Both seem sluggish.

Don't really have much knowledge on these..Wonder if it is better to approach Investment companies, insurance companies or banks?

Swordsman

i think its wiser not to make any investments at this uncertain times...

stagflation

Invest when the market is not so volatile

Leocravensky

If your investing for the long term, it doesn't really matter when you start, but the bottom line is get started

Leo~
Blog : leoandsong.blogspot.com

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TheShah

For all its worth..personally..I think the safest bet..for the long term is to keep our $$ in the CPF (4% interest is kind of good..to me..) but if you have a concern for the short- term..say between 5 to 10 years..and if you have $$ to spare..try approaching investment firms/institutions that deals in ETFs or REITs..so far..good performance indicators from these 2 investments platforms.

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Cash Still Rules-
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djchris

Look for banks to deposit money
Look for insurance companies to buy insurance
Look for investment companies to invest

Sounds logical right?

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djchris

That's horrible. Please do not think that way. Your money can definitely generate more income den the 4% PAP is giving you.

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melmel

hahaha...yup..

Cool79

wait for the dust to settle down then go in....

i also waiting for chance to enter... don want my cpf moeny to be locked also

boooliyooo

Don't ever invest in banks.

Why do i say that? If you've been looking carefully, the 3% given by bank is not enough to pay for the inflations!

I mean, why should we invest then if we had a small amount?

I suggest you go for shares/bonds.

In fact, gold is a good choice too.

SHIMURE

I am currently looking to purchase some blue chip shares.

"When people consult me, it's not that I'm reading the future; I am guessing at the future. Based on the omens of the present. If you pay attention to the present, you can improve upon it, what comes later will also be better."

boooliyooo

Whatever shares it may be, it'll be better then putting it in the bank.

Be it long or short terms.

Shares = 10% - 20% return
Bank? = 3%

Compare it yourself

rinoakoh

Bank is 0.3%

For CPF, aim for long term, anytime is a good time.
The most impt factor is which region u will like to invest.
The safest bet for the next 10yrs will be China, India, Hong Kong, Singapore.

Generally on the safe side, can invest in Asia funds or emerging markets funds, or if u have bigger appetite, more high risk n narrow focused, aim for a specific country.
Eg China, Singapore etc.

Unless u need to buy property with CPF, its as good as dead money after 1 Apr.
Who believe in their 4%pa when the inflation is now pegging to 7-10% ?

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TheShah

Can anyone here tell me an investment that will give you guaranteed 7%-10% p.a return on your $$?

When investing..to me..its about 2 factors..How long your investment horizon?..and what is your risk appetite?

People talk about inflation..?..but people dont talk about cashflow management..managing your $$ income and expenses..? I believe the latter is more crucial..

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Cash Still Rules-
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djchris

Indeed, cashflow management is very important. Without managing one's personal finance, how can one even start investing?

Talks on inflation is only for people to whine about with no actual action. Do not get sucked into the mentality that inflation is rising, nothing can be done.

As for guaranteed returns, you need to consider risks. I guess probably nobody can recommend you anything because they can't guarantee risks.

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boooliyooo

Shares will be the choice.

Either you made it or you burn.

However, if u play it long term, you'll definetely earn.
for say.. 50 yrs?

TheShah

Exactly my point...investment horizon..long term....Shares (especialy blue chip ones)..very good ROI..after 50 years or so..

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boooliyooo

You should make two choices,

1 is to have a long term investment,

another is to make short term investment,

make both, you will be financially more 'stable'

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