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Singapore is a good country for investment. All my dividends are net and not tax deductible (unlike most countries) so I can save more than 70% - 80% of my salary to invest my equities portfolio further 😊
Not a good advice for retirees who need certainty to put all their assets in equities. Do you think they can accept 30% drawdown on their portfolio? Hope you can clarify
But there’s 1 issue with tis 4% draw down strategy study. If u wan ur results to be as reliable as possible, u need to be exposed to US market as much as possible. But $1.8m means eventually ur estate tax 40%, tats $720k gone to US government.
@@KelvinLearnsInvestingYup! So the options really narrows down to the few Ireland domiciled ETFs. Just tot of bringing tis up in case some viewers are not looking at ETFs but individual US companies as their portfolio to carry out tis. For myself, I’m building a SG dividend port and then having a separate US port for trading/invest for further growth with the flexibility to pick my poison 😂
Sifu , The estate tax only kicks in when my body cold right? For US individual stocks , if i sell before i kick the bucket, 30% tax apply only right + xchange risk. Thx for all the down ti earth humbling videos. Love It!
3.5%-4% withdrawal rate is back tested using US equity only. After introducing all the other instruments like REITs, SG Banks etc there is no back tested probability of how it will turn out.
When readers ask me what is my opinion of the 4% drawdown rule for retirement funding, I tell them I honestly am clueless.😅 This is because my strategy for retirement funding does not require a drawdown.😋 I would tell my readers to google the subject on 4% drawdown instead. 🤭 Now, I can point them to your video. 😊
@@KelvinLearnsInvesting My passive income exceeds my expenses by quite a bit. 👌 CPF LIFE will also help bolster retirement funding but that is more than 10 years away. 🤞
U can't just look at dividends! What's the point sg stocks pays u 4% dividend but the stick price is dropping yearly? When u need sell, u be shocked at ur loss! Just like straits times stock. Pls do ur research, especially elderly. Otherwise, just put inside ur cpf. Ur kids can't cheat u of ur money n govt assures u interest.
if only peoples who are retired is qualified to talk about investing topics, then there is no investing content... they are retired and don't need to work for money
Sponsor: uSMART (free stock) kvli.link/usmart
You may also contact uSMART dedicated account manager to assist you with any questions during the account opening and funding process
Join my Telegram t.me/kelvinvest
Thanks for consistently producing good content on your channel Kelvin, keep it up!
Thanks for your kind words!
This latest video is very informative and useful. Thanks Kelvin. 😁👍🏼
Thanks!!!
Singapore is a good country for investment. All my dividends are net and not tax deductible (unlike most countries) so I can save more than 70% - 80% of my salary to invest my equities portfolio further 😊
hi bro, can share what stocks u invest in for dividends?
Adding a small percentage to a growth ETF stock could be beneficial. Slightly increase your return.
Not a good advice for retirees who need certainty to put all their assets in equities.
Do you think they can accept 30% drawdown on their portfolio? Hope you can clarify
Suggest to consider annuities non investment linked that is principal guaranteed as well though lower returns but lower risk than equities
4 percent strategy more realistic if you dont have financial burden. You still need to work if you have children studying and loan to pay.......
But there’s 1 issue with tis 4% draw down strategy study. If u wan ur results to be as reliable as possible, u need to be exposed to US market as much as possible.
But $1.8m means eventually ur estate tax 40%, tats $720k gone to US government.
Thanks for the advice. It's possible to avoid estate tax by investing in Ireland Domiciled ETF which are exempted from estate tax!
@@KelvinLearnsInvestingYup! So the options really narrows down to the few Ireland domiciled ETFs. Just tot of bringing tis up in case some viewers are not looking at ETFs but individual US companies as their portfolio to carry out tis.
For myself, I’m building a SG dividend port and then having a separate US port for trading/invest for further growth with the flexibility to pick my poison 😂
Sifu ,
The estate tax only kicks in when my body cold right?
For US individual stocks , if i sell before i kick the bucket, 30% tax apply only right + xchange risk. Thx for all the down ti earth humbling videos. Love It!
This is very good
It's not the question of how much money you need in your retirement. What you need is how you manage your funds.
Over long term (10-20yrs) BTC & SP500 still the best bet
3.5%-4% withdrawal rate is back tested using US equity only. After introducing all the other instruments like REITs, SG Banks etc there is no back tested probability of how it will turn out.
That’s why i rounded the number up for extra safety + included cpf for extra extra safety
For me , Sg banks is a good choice providing me passive income
When readers ask me what is my opinion of the 4% drawdown rule for retirement funding, I tell them I honestly am clueless.😅
This is because my strategy for retirement funding does not require a drawdown.😋
I would tell my readers to google the subject on 4% drawdown instead. 🤭
Now, I can point them to your video. 😊
Oh? The dividend itself is enough for you right?
ps: Thanks ser!
@@KelvinLearnsInvesting My passive income exceeds my expenses by quite a bit. 👌
CPF LIFE will also help bolster retirement funding but that is more than 10 years away. 🤞
Hmm.. $1.8m? 😢
U can't just look at dividends! What's the point sg stocks pays u 4% dividend but the stick price is dropping yearly? When u need sell, u be shocked at ur loss! Just like straits times stock. Pls do ur research, especially elderly. Otherwise, just put inside ur cpf. Ur kids can't cheat u of ur money n govt assures u interest.
CPF ERS 😅
@@cathhl2440 It's magic ... iff you live past 85 years old. 😁
How come you guys can believe this guy? When he is 1. not retired 2. no officially tracked performance JUST theory
Because.. pikachu!
if only peoples who are retired is qualified to talk about investing topics, then there is no investing content... they are retired and don't need to work for money
@@BoonTee You talking about me? 😢
@@A.Singaporean.Stocks.Investor. Opps caught by AK. There is always outlier! Btw how are you AK?
yes, would you like to come on the pod so that we can talk with you instead? 😊