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Thanks Josh!😊 1. I am going to be a cheapskate and take your free newsletter😅 2. U explained CPF concept and strategy so much clearer than other channel and yet no huff and fluff. U prob wun get alot of eyeballs w/o the sugar coating and hypes. So, really appreciate your sincere sharings 👍 Cheers!
Thank you for the insightful sharing. I agree as well and I'm holding off purchasing reits because they have been absolutely decimated, back to 52 week lows, and Trump haven't even entered office yet... I'll probably be allocating my money to relatively risk free investments until the path is clear to buy reits again.
@joshconsultancy That's true, market is driven largely by rumours and sentiment. I'll see in 2025 if Trump really imposes the 10-20% and 60% heavy tariffs on china and the rest of the world.
I not buying anymore SSB since i bought 3 tranches at very good yrly rate of 3.19,3.21 & 3.26% ! Waiting 4 Black Swan like on 5-6th Aug 2 happen again or usa mkt correction . I did buy a bit of keppel corp n DBS on 5th Aug . No enough 2 buy some more on 6th Aug as my cash n cpf OA $ stuck in T-bills 😊
If one already meet FRS, would he or she be better off to aim for ERS rather than taking out money (beyond FRS amount) after 55? Afterall 4% is still better than SSB 3%. Unless one has surplus after ERS then it makes sense to withdraw sum above ERS for SSB?
Not sure where you get your assumption that SSB will climb to 3+%, even if it will be increased, I think it will inch towards a high 2% and will not exceed average 3% for the next SSB lah.
Hi, I think we need to qualify whats relatively low risk. CPF to SSB (for above age55 with FRS) is risk free to risk free. If not it is an investment of CPF under CPFIS and risk profile must be comfortable k
Hi Josh, on 6:45 wonder why are you using US Government Securities 10Y Yield Chart to predict Singapore Saving Bond yield in January. You should be using Singapore Government 10Y bond yield instead, which is highly unlikely to be above 3% for the SSB January issue. SG10Y currently stood at 2.879%
This question cannot be answered with a particular idea. Unless it's CPFSA. Other high yield stocks or banks, also has volatility High yield bonds, I think also undervalued, even more volatility than reit Would instead advocate to look for investments with good risk/reward
@joshconsultancy haiz .... even high yield bonds (junk status) do not offer good yields. Banks i find too rich already, reits don't srem to have any light at the end of the tunnel. Doesn't seem to be any reasonably low risk avenue to invest the outcoming balance shielded SA funds 🤔
Josh me no understanding leh your previous video said to wait Dec SSB to buy now u say dont buy wait until next year 3% if dont buy now later next year it falls below 3% then how we lose the opportunity so in Dec got bonus can let us know where to invest now ?
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gst AT 9 % .. ssb AT 3 % ..lOSS 6 PERCENT ..TOO BAD..
Thanks Josh!😊
1. I am going to be a cheapskate and take your free newsletter😅
2. U explained CPF concept and strategy so much clearer than other channel and yet no huff and fluff. U prob wun get alot of eyeballs w/o the sugar coating and hypes. So, really appreciate your sincere sharings 👍
Cheers!
No probs Jason 😊
Which Singapore Bank offer the best rate of US dollar FD
Thank you for the insightful sharing. I agree as well and I'm holding off purchasing reits because they have been absolutely decimated, back to 52 week lows, and Trump haven't even entered office yet... I'll probably be allocating my money to relatively risk free investments until the path is clear to buy reits again.
The interest trend is never confirmed. Sentiment is fickle
@joshconsultancy That's true, market is driven largely by rumours and sentiment. I'll see in 2025 if Trump really imposes the 10-20% and 60% heavy tariffs on china and the rest of the world.
Ya buy asap possible I already completed the combo where every month I get money. Also throughout 10 years I will be getting average at least 3 %
US Treasury will need to issue more bonds in Jan 2025. Hence, yields for bond is expected to rise further.
Highly doubt rate will go up, I think rate likely will be going down in 2025. Maybe now is good time to add some reits on discount now.
Yup. Subs and stay tuned. Reit topic up next week =)
I not buying anymore SSB since i bought 3 tranches at very good yrly rate of 3.19,3.21 & 3.26% ! Waiting 4 Black Swan like on 5-6th Aug 2 happen again or usa mkt correction . I did buy a bit of keppel corp n DBS on 5th Aug . No enough 2 buy some more on 6th Aug as my cash n cpf OA $ stuck in T-bills 😊
nice!
If one already meet FRS, would he or she be better off to aim for ERS rather than taking out money (beyond FRS amount) after 55? Afterall 4% is still better than SSB 3%. Unless one has surplus after ERS then it makes sense to withdraw sum above ERS for SSB?
Theres a big difference, in RA account it is locked up. No more liquidity
Josh. Don’t think CPF can be used for SSB, unless there are changes.
Cannot. As in for those above 55 with FRS, cpf can be withdrawn and it opens the possibility
Not sure where you get your assumption that SSB will climb to 3+%, even if it will be increased, I think it will inch towards a high 2% and will not exceed average 3% for the next SSB lah.
pov noted
what would you advise investing cpf oa into to get above 2.5% with relatively low risk?
Hi, I think we need to qualify whats relatively low risk.
CPF to SSB (for above age55 with FRS) is risk free to risk free.
If not it is an investment of CPF under CPFIS and risk profile must be comfortable k
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Hi Josh, on 6:45 wonder why are you using US Government Securities 10Y Yield Chart to predict Singapore Saving Bond yield in January. You should be using Singapore Government 10Y bond yield instead, which is highly unlikely to be above 3% for the SSB January issue. SG10Y currently stood at 2.879%
pov noted
Josh, any advise to get higher than 4% yield with low risk (not 0 risk). Reits are too risky for that matter
This question cannot be answered with a particular idea. Unless it's CPFSA.
Other high yield stocks or banks, also has volatility
High yield bonds, I think also undervalued, even more volatility than reit
Would instead advocate to look for investments with good risk/reward
@joshconsultancy haiz .... even high yield bonds (junk status) do not offer good yields. Banks i find too rich already, reits don't srem to have any light at the end of the tunnel. Doesn't seem to be any reasonably low risk avenue to invest the outcoming balance shielded SA funds 🤔
Jan 2025 SSB at 2.86% 10-yr ave.
Ya. Was abit surprised
JL, I managed to lock in 1.65% mortgage fixed for 5yrs since 2022 from Dbs. And SSB lock in at 3.3%+. 😂 how, good or not?
the best 😂
Josh me no understanding leh your previous video said to wait Dec SSB to buy now u say dont buy wait until next year 3% if dont buy now later next year it falls below 3% then how we lose the opportunity so in Dec got bonus can let us know where to invest now ?
Closing on 27nov is selling DEC24 issue - dont buy now
Closing on 27Dec is selling Jan25 issue - wait for this one =)
@joshconsultancy Ok now then me got some understanding so thanks Josh 👍
Based on the logic you explained, SSB bonds will be on the uprising trends especially when Trump gets into office. So maybe not in a hurry? 😀
The interest trend is never confirmed. What if recession worries suddenly start building?