good sharing. i always believe "a bird in hand is worth 2 in the bush" but life is full of "what ifs". It is rather challenging to find a sweet spot for such planning.
How about downgrading to BRS through cpf pledging and using the amount to buy into a private annuity? This way I still get predictable guaranteed monthly income during my “peak old age” and also liquidity if I ever need the money.
Can u do a video what are possible alternative investment using the withdraw fund. Cpf life fund will be depleted but if we invested them in an lip great eastern life product we can preserve our capital yet able to supplement the cpf life payout under BRS and still keep the withdraw amount intact
the money place with bank for CPFIS and CPFRS are aggregated and separately insured u to 100,000 (Deposit Insurance Scheme). Does it mean there is a risk to use cpf to buy T bill (if bank bankrupt) and choosing Cpf life standard plan where 100% RA is transferred to the pool (ie CPFRS). It is safer to choose basic plan where only 10-20% of RA is transferred to the insurance pool.
Education in Singapore and Malaysia does not emphasize Singapore's role as a regional financial hub akin to Hong Kong. Singapore's prosperity relies heavily on its neighbors. Free trade with Malaysia, Indonesia, and the Philippines is crucial for its continued success. Without such economic cooperation, Singapore would struggle to maintain its thriving status.
Hi kelvin… may I ask you do you know any good compounding investing with low risk in Singapore? Cos I am planning to pledge house to get cash to invest. Thanks in advance ✌️
@@Superboy71 Can check out Endowus Cash Smart Secure. It currently gives around 3-4% return. Their max loss was -3.14% endowus.com/cash-smart Or UOBAM Cash+ Xtra, similar return, similar risk www.uobam.com.sg/uobaminvest/individual/landing/app-download/cashplus-xtra.html Or Chocolate Finance 3%+ return. It has a top up programme if ever there's a loss.
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good sharing. i always believe "a bird in hand is worth 2 in the bush" but life is full of "what ifs". It is rather challenging to find a sweet spot for such planning.
How about downgrading to BRS through cpf pledging and using the amount to buy into a private annuity? This way I still get predictable guaranteed monthly income during my “peak old age” and also liquidity if I ever need the money.
Can u do a video what are possible alternative investment using the withdraw fund. Cpf life fund will be depleted but if we invested them in an lip great eastern life product we can preserve our capital yet able to supplement the cpf life payout under BRS and still keep the withdraw amount intact
the money place with bank for CPFIS and CPFRS are aggregated and separately insured u to 100,000 (Deposit Insurance Scheme). Does it mean there is a risk to use cpf to buy T bill (if bank bankrupt) and choosing Cpf life standard plan where 100% RA is transferred to the pool (ie CPFRS). It is safer to choose basic plan where only 10-20% of RA is transferred to the insurance pool.
If you opted BRS, if you used up the CPF LIFE IN 14 years, we will already by 79... what you can do and not do after 79 or even live beyond 79
Education in Singapore and Malaysia does not emphasize Singapore's role as a regional financial hub akin to Hong Kong. Singapore's prosperity relies heavily on its neighbors. Free trade with Malaysia, Indonesia, and the Philippines is crucial for its continued success. Without such economic cooperation, Singapore would struggle to maintain its thriving status.
Hi kelvin… may I ask you do you know any good compounding investing with low risk in Singapore? Cos I am planning to pledge house to get cash to invest. Thanks in advance ✌️
What risk is acceptable to you? Like, can it drop 5%? 10%?
@ think 5 percent is acceptable ✌️
@@Superboy71 Can check out Endowus Cash Smart Secure. It currently gives around 3-4% return. Their max loss was -3.14%
endowus.com/cash-smart
Or UOBAM Cash+ Xtra, similar return, similar risk
www.uobam.com.sg/uobaminvest/individual/landing/app-download/cashplus-xtra.html
Or Chocolate Finance 3%+ return. It has a top up programme if ever there's a loss.
Already has frs, can I still pledge to frs+ brs? What if tio enbloc?
Your property must be fully paid off before you are allowed to pledge your property ...
Hi. Not true. Whether fully paid up or not, one can pledge property for cpf, subject to the rest of eligibility conditions.
Pledged HDB Flat can’t sell in open market
Not true. You just have to top up to FRS after sales of the HDB flat.