Thanks for sharing, Josh. For someone to acquire your net worth at 37, you have done very well and should be celebrating. What's more worthy to celebrate is not just the net worth but more so, your discipline and self-awareness, keep it up.
Thanks. Its a journey. Feeling sufficient is more important coz theres always someone with more. Check out this newest map - How I'm Going To Double My Wealth To $3M .... (Hopefully) | How To Invest 2023! | Build Up Net Worth th-cam.com/video/zvFQ6LkDQ2k/w-d-xo.html
A three room flat is usually less than 300k ,pioneer 2nd hand 5 rm flat can be purchased for less than 400k ,a friend of mine sold his jurong west st 42 3 room flat for 240k bought a 4 room flat for only 330k. in jurong west 42, so it is unlikely a 3 room flat can fetch 350k.
Great video! Agree US market valuation is rich... however some markets like asean and European are still Low. Do you think they are laggards and presented some opportunities ? Or their businesses are not sexy as they don’t present high growth?
Hi Ren Peng, alot of my thoughts are here. www.theastuteparent.com/2020/03/self-employed-srs-cpf-contribution/ After reading would you also choose it this way a a self employed? =)
Hi victor, hdb was first back then. This tutorial has some sharings of my journey th-cam.com/video/T0f_bjlLB-c/w-d-xo.html . Hope it helps and cya around
Hi Josh, you mentioned that paying 12%ABSD is not worth. I owned a HDB and thinking to buy a 2nd condo this year, taking 400 to 500k loan. Do think it is the right time to enter into property market? I calculated that the additional stamp duty will recover by renting my hdb unit for 6 years. Thanks and take care.
Hi Josh, thanks for sharing this data. As a young and new content creator myself I also struggle with whether to share such personal data because it puts myself out there for people to critic. Could you share your thought process on why/how you reveal such sensitive data. I think i lean more on the side of afraid people come and borrow money from me haha!
Hi christopher, whatever we put there as creators there will be people who disagree, right? =). I thought about it hard too... If you realise, I don't reveal my portfolio details because that can create pressure to me and it may become wrong advice. Net wealth wise... it's actually just a number. Doesn't change you or me if we already are a good person/family member/friend... Hope it answers
@@joshconsultancy indeed! Thanks for sharing your thoughts. Down the road I may share/present such data as well when I'm more confident and comfortable.
Greatly appreciate your sharing in this video.. On the other hand don't you feel a little uncomfortable disclosing your full financial status (your cash, investments, cpf etc.) publicly? Thanks for sharing!
I am surprised to know that you hold so much in cash. Just curious, how do you make that cash work a bit harder while maintaining the liquidity? Do you make use of high interest savings accounts such as DBS multiplier, OCBC 360. Do you buy FDs, SSBs, or Stashaway Simple? If no, why not?
i dont know why i written was erase , josh , i didn't know we can own private property and hdb at the same time? i bought a 3 room bto flat cash back 2017, and hdb ask me to declare my china property, so i am confuse
Yooo! Nice share man. And happy cny! Like you, I'm a little wary of the market highs now as well, but still mostly invested. Out of curiosity, are you watching any particular macro signals for your approach, or it's really a case by case basis for your decision to deploy cash?
Hi MT, it's behind a paid membership wall. Sharings that are best private are there. If you're keen check th-cam.com/video/mP7FcXS2Gcc/w-d-xo.html and click the JOIN!
Indeed quite private info that many may not feel comfortable to share so publicly. I see many common grounds in my approach (with liquidation of the highly extended stock to abt 20% cash, anticipating a correction to come in March and getting in for some discount). However, I chose to sell off my Hdb before getting the next unit to avoid absd. Don’t your current condo subject to absd, with the Hdb u have (despite after MOP)? Will u include your insurance value in calculating your net worth?
Hi Vincent, yes indeed. It may be less scary to take off clothes when doing a health checkup. But also the more I think about it, the more it is just a number. Doesn’t define me as a friend, Family member of father. Yes had to pay 7% absd then. Yes there are other assets that can be added to the number. Cya around more 🤚
I invest in physical gold n silver not etf. any advice if srs are above 400k in invested asset?? sell the shares n draw out?? of course minus the 5% n other admin charges, worth it???
@@john9076 check for group posting ✅ For REIT Investing and passive income discussions, JOIN Telegram group "PASSIVE INCOME 2.1k" here - t.me/pi21k or JOIN INVESTORS members channel th-cam.com/channels/QAp2EzcRv2wl09p88TBrGA.htmljoin
I've seen both your videos about your properties, it's really interesting to see that you're sitting on quite a lot of cash! I'm also quite pessimistic about the outlook so I'm sitting on about 50% cash! Wish to buy my first hdb but prices are rocketing these days hahaha.
@@joshconsultancy hahaha recently I'm looking at buying a small position in crypto and staking it, plus selling options for stocks in hopes of collecting premiums/getting the stocks at a discount. But yeah haven't done a lot of homework and found good buys atm.
@@GeraldOng "small position in crypto and staking it, plus selling options for stocks in hopes of collecting premiums/getting the stocks at a discount" these are sexy ideas only for a bull market. K la enough of old school nagging lol. Cya around man
Thanks for the content. For my personal portfolio I have around 30% bond funds (corporate and government China bond fund and sg bond fund) in my allocation. This will allow stable return of around 4-5 % return year on year. As these funds have around 5-10% deviations (worst case scenario), it may provide flexible allocation to the equity market during huge downturn. Bond funds are useful instruments for wealth preservation in my opinion for those looking for diversity in their portfolio.
Within 2 yrs, meaning up to 2023, a lot more property investors will be suffering. Over supply , low liquidity, economic uncertainty, higher job losses. 👌
Hi Josh! May i know what are the different ETFs u invested in? Bcos I'm planning to invest in quite a number of them.. ARKG, ARKK, HST.SI, QQQ, probably ARKF and ARKW as well.. Also, how do we contact u on 1 on 1? Via telegram?
Hi sneaky, youve mentioned a lot of very popular stuff. Investing is sometimes avoiding the crowd. I’ve a private video on ARK. For a different point of view. th-cam.com/video/pX0_5zcfj6w/w-d-xo.html
@@joshconsultancy Ohh ok! Also, how do we contact u 1 on 1? Cuz i've several questions to clarify.. am yet to invest anything and wanted to start now at age 20..
@@jonavan1450 I work on a fee and it fits when the investment amount is more substantial and at a different planing stage. May not be able to take the question 1-1 professionally now but still appreciate u as a fan here 👊🏻
Hi Iron man, for stock picking, im best with sg companies. I dislike US equity now based on valuation and weightage as an overall now is very little. Hope it answers =)
@@ETHironman I do. As to whether to stock pick I’m not too sure about that because of monitoring & understanding difficulty. Fund diversified approach has worked so far
Oh yes. But it wouldnt make sense to deploy all one shot in mar2020. There was no way to know how long it would drag out. What was your experience during the last crash Yak Hong?
@@john9076 Welcome in Yak Hong! Once there is a release of a members only video, youd get notified on the community tab! For you first, one new one will be up tomorrow morning, stay tuned =)
Hello Josh, good video. Have you thought about using some of the cash to pay off a portion of your mortgages loan to reduce interest cost? I've doing that in last two years. Seeing my mortgage debt number getting reduced is a great feeling, and I can't wait for the day I am debt free. But this also means I might miss out some investment opportunities (I could've invested this cash), and miss out enjoying the low interest & high inflation (which favors maintaning a loan). However I decided to clear my mortgage first (probably i'm getting influenced by Dave Ramsey' channel). What's your take on this? Thank you.
Hi Nick,I did the converse. Have a look at this sharing I did in Aug - WHY DID I BORROW $150,000? Explaining Good Debt VS Bad Debt th-cam.com/video/bZWtHRMcO0Q/w-d-xo.html
Thanks for correcting. But i believe only half of 207k millionaires are bona fide millionaires. To me a bona fide millionaire must have at least a few million not just more than a million😀
Show offs. Any financial advisor and property agents will say that they are doing well as part of their sales pitch. Nobody can verify what you are saying.
Hi there, I don't think Josh is showing off. I've been following Josh for more than a year and most of his videos were financial related and were very humble. He also got share his journey of failures like the ice cream stall which failed and he lost quite a lot of money. Now he had picked himself up, I think he is very resilient and did all these due to his own hard work. We shouldn't judge him this way, but looked at the matter with non-judgmental view and we will see that he was just trying to encourage we all to be as successful as him. I have learned quite a bit from Josh's channel and maybe if you will not to judge him, you will also find true meaning in all his videos. Just my 2 cents worth of views, please don't shoot me k, and also I have to clarify that I did not engage any of services from Josh as I am a "lonely" investor . Thanks and happy CNY! ^_^
Thanks for the kind words whis key and DG. Simon no probs if youre skeptical but please leave constructive comments instead. Check around the channel and I hope something helps u in your journey
Nice to have someone revealing honest real life numbers. 👍
Thanks for sharing, Josh. For someone to acquire your net worth at 37, you have done very well and should be celebrating. What's more worthy to celebrate is not just the net worth but more so, your discipline and self-awareness, keep it up.
Thanks Rick. I avoid celebrating because that also means to be sad when someone at 27 has 10x more. Neutral. Just a number for my family. Peace :)
Thanks Rick. I avoid celebrating because that also means to be sad when someone at 27 has 10x more. Neutral. Just a number for my family. Peace :)
Wow! When i grow up, i want to be as successful as Josh kor kor!
LOL! Josh UNCLE... this CNY has reminded I'm not that young liao hahahaha. Happy CNY kelvin
Huat ah, my two favourite personal finance/investing gurus!
Thank you for your generous sharing.
No probs hope it has useful points =)
Great sharing , think u will be very rich by the time u retire .
Thanks. Its a journey. Feeling sufficient is more important coz theres always someone with more. Check out this newest map - How I'm Going To Double My Wealth To $3M .... (Hopefully) | How To Invest 2023! | Build Up Net Worth th-cam.com/video/zvFQ6LkDQ2k/w-d-xo.html
appreciate the transparency 👍
Happy to hear that and cya around more hongping
Thanks for sharing. I started to look at things from different angles after watching your videos..
Happy to hear that Nguyen. I’ve done up a video on your prev question. Should be wed released :)
Power la...love your content. Keep it up!
Thank you Mike 🙌
appreciate and always look forward to watching your videos josh
Happy to hear that yasmin. Share with friends if any can help them in their journey too 👊🏻
Really appreciate your transparency and thanks for always inspiring me!
Glad it was useful Lucas. Smash the subs and cya around more ya!
Hi Josh, recently chanced upon your channel. Love your honesty and frankness. Keep up the good work!
Welcome aboard =)
So rich can give ang bao anot?
A three room flat is usually less than 300k ,pioneer 2nd hand 5 rm flat can be purchased for less than 400k ,a friend of mine sold his jurong west st 42 3 room flat for 240k bought a 4 room flat for only 330k. in jurong west 42, so it is unlikely a 3 room flat can fetch 350k.
Now the NAV allows u to remove the account that you don't want to include or enter the % u wnat to be included
thanks for your unselfish sharing...
Sure James ✋🏻, happy to hear that
Great video! Agree US market valuation is rich... however some markets like asean and European are still Low. Do you think they are laggards and presented some opportunities ? Or their businesses are not sexy as they don’t present high growth?
Thanks Christopher. I am with Asia and I’m Unafraid that they appear not sexy :)
Wow, you are very open with your sharing. I’m very impressed with such an honest and frank sharing. Thank you for sharing and thumbs up!
Glad it was helpful! Hope it helps you succeed in your journey =)
Thanks for sharing! I think you have a balanced portfolio between property and other investment vehicles.
Sure, cya around more Edmund
Thanks for the honest sharing. Always
So whats your networth now, Mr Tan? Its end of 2023 now. Probably closer to $2mil?
ok enough no worries
Wa, really willing to share. Thank You.
Share with someone who could learn too. Cya around more yak hong!
Nice..very inspiring.
Glad you liked it Aida, share with more
Incidentally, your condo looks nice, is it freehold or does it have any en bloc potential.
Neither haha, unfortunately =)
Why do you prefer SRS over the CPF for income tax relief?
Hi Ren Peng, alot of my thoughts are here. www.theastuteparent.com/2020/03/self-employed-srs-cpf-contribution/ After reading would you also choose it this way a a self employed? =)
Wow thanks ! That really helps!
You mentioned you have 2 properties, but why did you mention ABSD only on the third property? Isn’t there ABSD on your 2nd property? Thanks in advance
Hi Yi Jie, yes there was.
@@joshconsultancy Got it, thank you Josh!
How to own a HDB and a condo at the same time???
Hi victor, hdb was first back then. This tutorial has some sharings of my journey th-cam.com/video/T0f_bjlLB-c/w-d-xo.html . Hope it helps and cya around
Net worth for 2022 will be an eye opener .... I think !!! ...
Maybe will take stock end year =)
@@joshconsultancy Hope to see maybe some positive results in the second half ..
Thanks for sharing. How are u owning 2 properties when 1 is a hdb? Did you pay absd?
Hi Frederick yes I did, check out the property playlist, I’ve shared on the journey. Cya around more ya
I thought the property you are staying in will not be included in the computation in your net worth. I could be wrong?
It should be counted. The loan should be subtracted. Did my best to narrate it, hope it was useful food for thought 👍
How to invest in SRS? And what are the charges like platform fees and commissions fee?
Hi Gideon, SRS can be used to buy funds and sg listed stocks. Fees depends on the platform used. I've srs related videos on this channel =)
What is the taxable income amount should we then consider a SRS top-up? 80k tier or 40k tier?
I feel 40k tier net chargeable income can consider already as tax rate is at least 7%. Personal choice, hope it answers Lewis 👍
Sure. Thanks. Keep up the good videos.
Can you share the link for the opportunity in residential property market video
Hi dhiraj hope it helps th-cam.com/video/T0f_bjlLB-c/w-d-xo.html
@@joshconsultancy Thank you Josh, for your amazing work
Hi Josh, you mentioned that paying 12%ABSD is not worth. I owned a HDB and thinking to buy a 2nd condo this year, taking 400 to 500k loan. Do think it is the right time to enter into property market? I calculated that the additional stamp duty will recover by renting my hdb unit for 6 years. Thanks and take care.
With absd 12% it’s very unfavorable. Hope the answer helps and cya around :)
Hi Josh, thanks for sharing this data.
As a young and new content creator myself I also struggle with whether to share such personal data because it puts myself out there for people to critic. Could you share your thought process on why/how you reveal such sensitive data. I think i lean more on the side of afraid people come and borrow money from me haha!
Hi christopher, whatever we put there as creators there will be people who disagree, right? =). I thought about it hard too... If you realise, I don't reveal my portfolio details because that can create pressure to me and it may become wrong advice. Net wealth wise... it's actually just a number. Doesn't change you or me if we already are a good person/family member/friend... Hope it answers
@@joshconsultancy indeed! Thanks for sharing your thoughts. Down the road I may share/present such data as well when I'm more confident and comfortable.
Greatly appreciate your sharing in this video.. On the other hand don't you feel a little uncomfortable disclosing your full financial status (your cash, investments, cpf etc.) publicly? Thanks for sharing!
Hi cal Li, I thought hard about it. The numbers are fluid and i take comfort from that a little
Could you please share the rate of return pa (excluding capital gains) you get from the $1.19m net worth?
Hi A, I don’t have an answer that but also the amount earned and saved up would probably be equally important to focus on.
I am surprised to know that you hold so much in cash. Just curious, how do you make that cash work a bit harder while maintaining the liquidity? Do you make use of high interest savings accounts such as DBS multiplier, OCBC 360. Do you buy FDs, SSBs, or Stashaway Simple? If no, why not?
Hi Npw, high interest savings account yes. An old SSB. Fd, ssb now doesn’t move the needle
What is SRS?
Supplementary retirement scheme (in sg)
Maybe you can lower the volume at the ending part of the video. The volume went up out of sudden.
Oops noted. Cya around more yue
i dont know why i written was erase , josh , i didn't know we can own private property and hdb at the same time? i bought a 3 room bto flat cash back 2017, and hdb ask me to declare my china property, so i am confuse
Hi Ted, I also noticed some of your comments got erased. Declaration I guess is at point of purchase only. Do confirm with HDB
Yooo! Nice share man. And happy cny! Like you, I'm a little wary of the market highs now as well, but still mostly invested. Out of curiosity, are you watching any particular macro signals for your approach, or it's really a case by case basis for your decision to deploy cash?
Hi Soon min, happy CNY to you too =). "macro signals" - there isnt any foolproof ones to my knowledge. On a PE basis, not many equities are reasonable
thumbs up to you 👍. may i know how to view your private video on ‘Singapore Property’ mentioned above?
Hi MT, it's behind a paid membership wall. Sharings that are best private are there. If you're keen check th-cam.com/video/mP7FcXS2Gcc/w-d-xo.html and click the JOIN!
Why not dollar cost av into it instead of aiming to time the dip
Hi PNP, I'm a believer of the benefits of dollar cost averaging
Indeed quite private info that many may not feel comfortable to share so publicly. I see many common grounds in my approach (with liquidation of the highly extended stock to abt 20% cash, anticipating a correction to come in March and getting in for some discount).
However, I chose to sell off my Hdb before getting the next unit to avoid absd. Don’t your current condo subject to absd, with the Hdb u have (despite after MOP)?
Will u include your insurance value in calculating your net worth?
Hi Vincent, yes indeed. It may be less scary to take off clothes when doing a health checkup. But also the more I think about it, the more it is just a number. Doesn’t define me as a friend, Family member of father.
Yes had to pay 7% absd then.
Yes there are other assets that can be added to the number.
Cya around more 🤚
Hi Josh, may i ask if there is a large difference in CDP account and custodian account? Which will you recommend for trading for Singapore stocks
Hi bob, if you’re investing long term, normal Trading account w higher fees which puts to cdp are actually ok.
I invest in physical gold n silver not etf. any advice if srs are above 400k in invested asset?? sell the shares n draw out?? of course minus the 5% n other admin charges, worth it???
Hi Tai hing, if srs is above it’s a good thing. Convert to annuity and space out the withdrawal. Food for thought :)
Halo josh , thanks for sharing :) do u buy life insurance policies ? What’s your take in terms of old age as retirement funds.
Hi cherlyn yes. annuities work as a unique layer of guaranteed income in a proper retirement plan
Can I know why u do not contribute to SA 7K$ but srs?
Hi Alvin, I've share my thoughts on the pros and cons here www.theastuteparent.com/2020/03/self-employed-srs-cpf-contribution/
Josh Tan, question, assuming tomorrow market crash. Having 200K on hand what are you going to do with this situation and make better money for it ?
Hi yak Hong, this sharing was in March 2020 crash. It’s a good record of what to do :) th-cam.com/video/zl4Z-0L4eZI/w-d-xo.html
Mr. Josh Tan , do u organise any chat group ?
@@john9076 check for group posting ✅ For REIT Investing and passive income discussions, JOIN Telegram group "PASSIVE INCOME 2.1k" here - t.me/pi21k or JOIN INVESTORS members channel th-cam.com/channels/QAp2EzcRv2wl09p88TBrGA.htmljoin
Thanks , about the same age , good to have a benchmark. Gambate!
Sure Joe =)
You have not shared abt the cash value in your life, savings & ILP plans.
Hi Kai tuck, yes. definitely items that could be added
I've seen both your videos about your properties, it's really interesting to see that you're sitting on quite a lot of cash! I'm also quite pessimistic about the outlook so I'm sitting on about 50% cash! Wish to buy my first hdb but prices are rocketing these days hahaha.
50% cash Gerald? That’s betting a crash tomorrow lol :)
@@joshconsultancy hahaha recently I'm looking at buying a small position in crypto and staking it, plus selling options for stocks in hopes of collecting premiums/getting the stocks at a discount. But yeah haven't done a lot of homework and found good buys atm.
@@GeraldOng "small position in crypto and staking it, plus selling options for stocks in hopes of collecting premiums/getting the stocks at a discount" these are sexy ideas only for a bull market. K la enough of old school nagging lol. Cya around man
Just to share compounding of cpf fund
Reaching 1M59
Sounds good Choon bing. 1M65 group will have a lot of like minded friends
Flexing hard, inspired
There will always be someone with more at every stage. Don’t see it as flexing. See for reference and own planning
Thanks for the content. For my personal portfolio I have around 30% bond funds (corporate and government China bond fund and sg bond fund) in my allocation. This will allow stable return of around 4-5 % return year on year. As these funds have around 5-10% deviations (worst case scenario), it may provide flexible allocation to the equity market during huge downturn. Bond funds are useful instruments for wealth preservation in my opinion for those looking for diversity in their portfolio.
Good points made Royston ☝️
i dont think bond is good...
15-20% cash seems too high. I have less than 5k or 0.1% at any given time
That would be very low duan. I’m of the cash is king school at this juncture :)
Wow inspiring! I am 31 with 500k networth (250k liquid cash/investments). Hope to reach your level before 40 hehe
Hi IceCoffee, happy to hear that and all the best on your journey =)
Within 2 yrs, meaning up to 2023, a lot more property investors will be suffering. Over supply , low liquidity, economic uncertainty, higher job losses. 👌
Hi D Y yes the oversupply will be a problem! Cya around more ya
Hi Josh! May i know what are the different ETFs u invested in? Bcos I'm planning to invest in quite a number of them.. ARKG, ARKK, HST.SI, QQQ, probably ARKF and ARKW as well.. Also, how do we contact u on 1 on 1? Via telegram?
Hi sneaky, youve mentioned a lot of very popular stuff. Investing is sometimes avoiding the crowd. I’ve a private video on ARK. For a different point of view. th-cam.com/video/pX0_5zcfj6w/w-d-xo.html
@@joshconsultancy Ohh ok! Also, how do we contact u 1 on 1? Cuz i've several questions to clarify.. am yet to invest anything and wanted to start now at age 20..
@@jonavan1450 I work on a fee and it fits when the investment amount is more substantial and at a different planing stage. May not be able to take the question 1-1 professionally now but still appreciate u as a fan here 👊🏻
Insurance?
Hi Angela, ya, not yet included =)
Inspired … wished I had so much worth.
Keep building and enjoy the process Henry 👍
Nice sharing Josh, so for your 200k cash, does it consist of your warchest and emergency fund (money to be used when you are unemployed)
Hi JJ I would think so. Cya around more ya :)
Thank you for sharing...
wanted to check how much of your equities is into US, China, HK and SG?
Hi Iron man, for stock picking, im best with sg companies. I dislike US equity now based on valuation and weightage as an overall now is very little. Hope it answers =)
@@joshconsultancy what about China and HK stocks?
Do u see potential over there?
@@ETHironman I do. As to whether to stock pick I’m not too sure about that because of monitoring & understanding difficulty. Fund diversified approach has worked so far
200K during down time or crash of stock market , it can do a lot of things.
Oh yes. But it wouldnt make sense to deploy all one shot in mar2020. There was no way to know how long it would drag out. What was your experience during the last crash Yak Hong?
Hi Josh Tan, I have joined your membership today . So what happen next ?
@@john9076 Welcome in Yak Hong! Once there is a release of a members only video, youd get notified on the community tab! For you first, one new one will be up tomorrow morning, stay tuned =)
Hello Josh, good video. Have you thought about using some of the cash to pay off a portion of your mortgages loan to reduce interest cost? I've doing that in last two years. Seeing my mortgage debt number getting reduced is a great feeling, and I can't wait for the day I am debt free. But this also means I might miss out some investment opportunities (I could've invested this cash), and miss out enjoying the low interest & high inflation (which favors maintaning a loan). However I decided to clear my mortgage first (probably i'm getting influenced by Dave Ramsey' channel). What's your take on this? Thank you.
Hi Nick,I did the converse. Have a look at this sharing I did in Aug - WHY DID I BORROW $150,000? Explaining Good Debt VS Bad Debt th-cam.com/video/bZWtHRMcO0Q/w-d-xo.html
700,000 with less than $13.5k? Haha thats no millionaire
Not the millionaires have less than $13.5k. 700k of our population. Hope it answers
Thanks for correcting. But i believe only half of 207k millionaires are bona fide millionaires. To me a bona fide millionaire must have at least a few million not just more than a million😀
Singaporeans are asset rich, cash poor. Cannot retire.
Agree Morgan. Hence downsizing house as in just my previous video is a logical consideration. Cya around more ya
Show offs. Any financial advisor and property agents will say that they are doing well as part of their sales pitch. Nobody can verify what you are saying.
Hi there, I don't think Josh is showing off. I've been following Josh for more than a year and most of his videos were financial related and were very humble. He also got share his journey of failures like the ice cream stall which failed and he lost quite a lot of money. Now he had picked himself up, I think he is very resilient and did all these due to his own hard work. We shouldn't judge him this way, but looked at the matter with non-judgmental view and we will see that he was just trying to encourage we all to be as successful as him. I have learned quite a bit from Josh's channel and maybe if you will not to judge him, you will also find true meaning in all his videos. Just my 2 cents worth of views, please don't shoot me k, and also I have to clarify that I did not engage any of services from Josh as I am a "lonely" investor . Thanks and happy CNY! ^_^
Agreed. I think he is honest and has has been upfront and prudent in his advise all along
Thanks for the kind words whis key and DG. Simon no probs if youre skeptical but please leave constructive comments instead. Check around the channel and I hope something helps u in your journey
@@joshconsultancy started to watch a few of his videos, very good financial advise.