How Much Money I Have Saved and Invested at 28 Years Old
Вставка
- Опубліковано 30 лип 2024
- Blows my mind that this much can happen in 2 years. I grew my income capacity from $2,700 at my first full time job to what it is today. Reaching $100,000 at 27 then $200,000 at 28. Hope it inspires you to chase after what you want and that if a nobody like me can do it, so can you.
🇯🇵 Japan Stock Exchange is now available on Moomoo Singapore!
Invest from as low as 300 Yen / Order
🔥 Sign up ➡️ j.moomoo.com/00x8FW
New to Moomoo Singapore | S$1,034 Total Rewards
⏳ 23 July 2024, 10:00PM SGT - 31 October 2024, 9:59PM SGT
📝 Step by Step Guide on my website ➡️ bit.ly/4cT4Qsa
Sign up link ➡️ j.moomoo.com/00x8FW
Enjoy 6.8% p.a. Guaranteed Returns with a Money Market Fund on Moomoo Singapore
🎁 Maximum Returns S$447 (deposit S$80,000) | min $0.01
🌟 With my link - Receive $20 ➡️ j.moomoo.com/00x8FW
👉🏼 Deposit S$100, subscribe into a cash plus fund, hold funds for 30 days
2️⃣ Receive 1 Stock Bundle (worth S$70)
👉🏼 Deposit S$3,000, make 3 buy trades, hold funds for 30 days
3️⃣ Receive 3 Stock Bundle (worth S$210)
👉🏼 Deposit S$10,000, make up to 8 buy trades, hold funds for 90 days
4️⃣ Receive all the above + 1 Apple Stock (S$287)
👉🏼 Deposit S$100,000 TOTAL , Hold funds for 90 Days
🎁 1 Year Commission Free Trades (SG)
FAQ ➡️ www.moomoo.com/sg/support/top...
New user rewards terms & conditions apply. Neither Moomoo Singapore or its affiliates shall be liable for the content of the information provided. This advertisement has not been reviewed by the Monetary Authority of Singapore.
• How Moomoo SGD Liquidi...
------------------------------------------------
Connect With Me
------------------------------------------------
📝 Contact Form - tally.so/r/wky9XJ
📩 My Free Newsletter - demizhuang.substack.com/
📫 Email - demi.zhuangg@gmail.com
👋🏼 Instagram - / demiizhuangg
🌐 My Website - demizhuang.com
💛 Support - ko-fi.com/demizhuang
------------------------------------------------
Disclaimer
Hey guys, I just wanted to mention that with all the videos I've posted to-date should not be taken as financial, investment or trading advice. All views expressed in the videos are that of mine. Remember to always do your own research before making any decision. All that I've mentioned in the videos are ways and how it has helped ME in my personal finance journey. I hope you take away snippets of insights and if it can be applied to your financial situation that'll be great. I do not represent and will not be liable in any way for the decisions you make after watching the video. 🫡 Some links above are affiliate link. I earn a little at no cost to you!
------------------------------------------------ - Навчання та стиль
What's your money saving goal for this year and how old are you? :)
5 million dollar I am 16
Edit: that's my life goal lol
Grow my net worth to above $45k by end of the year. 26 this year and starting work next month
im 50 years old and I want to pass 3 million euro's. so If the s&P 500 grows 10% more I will get there.
@@sarveshur4247 Dream big!!!
@@syamilsabirin1488 Let's go!!!!
Love your candid sharing, all the best for your financial goals!! 😄👍🏼
I really like your transparency and sound message, keep up the great work!
congratulations with what you have achieved at such a young age. thanks for being so open with you finances.
Thanks for your transparency! It really helps my journey.
Hello Demi! I just wanted to say thank you from the bottom of my heart as a fellow Singaporean, for sharing your knowledge to all of us for free! As a self employed musician, I’ve spent countless hours searching all of Singapore’s banks and being disappointed at the fine print when it comes to just finding a bank for savings. Money is a sore point for many Asian families and so I’ve not known anything up until the start of this year! Chancing upon your videos is a ray of hope and I think you deserve to be thanked. So, thank you so much for being an inspiration and I wish you all the good energy in the world! And of course, lots more money 😆🥰
Aww really appreciate this! Let's keep going! 🔥 Yea I do understand the pain points as well, I've been using UOB One to do a manual transfer and indicate that as salary to fulfil the criteria then spend $500 on a card to enjoy the interest rates! Hope this helps a little.
Amazing, really helpful for Singaporean beginner investors like us!
Thanks for the transparency! This will def help a lot of people!
love your energy girl. let's go, we got this!! 🤘
My goal this year is to safely maintain and hit above $1mil. Had some rough investments that went bad. Properties overseas had good steady rent but capital did not gain. Some rash stock and crypto investments made me lose the million so I have to be a little smarter this time round. On the bright side, my income has quadrupled so it is easier for me to hit $100k every two months now. I'm aiming to save 80% so i have more funds to deploy in investments.
To cut down on unnecessary expenses, except travel i supposed, love traveling. Happy to hit new milestones every year and turning 26 this month, I definitely do not regret my mistakes to be a better investor this time round
If you wanna be successful, you most take responsibility for your emotions, not place the blame on others. In addition to make you feel more guilty about your faults, pointing the finger at others will only serve to increase your sense of personal accountability. There's always a risk in every investment, yet people still invest and succeed. You must look outward if you wanna be successful in life
True words spoken. Take responsibility for your own life basically. I vibe with that.
The stock market rally run is gone, ‹but l'm not sure if equities will swiftly recover, keep falling, or fluctuate in a narrow range for a few weeks, or if things will quickly get worse. I'm under pressure to increase my $150k reserve
@@StevenCowart-p4qAs a beginner investor, it's essential for you to have a mentor to keep you accountable.
George Powell is my trade analyst, he has guided me to identify key market trends, pinpointed strategic entry points, and provided risk assessments, ensuring my trades decisions align with market dynamics for optimal returns
@@Collins-w5eCan you introduce me to George Powell, l'd love to learn more about his service.
very inspiring, suddenly feel motivated
Lovely! Stay blessed :)
Am abt 20 years your senior and I love watching and learning from your videos. Am using your videos to teach others especially youths. Keep it up.
🥹 means a lot!!
I appreciate your content. Thanks Demi!
Thank you for letting me know!! 🥹
Thanks for the video Demi, i especially like videos like these where you reveal your net worth so that i can have a benchmark of where im at and where i could possibly be. I've always wanted to DCA into US ETFs (e.g. S&P, VOO, etc) myself but im scared that the exchange rate between USD/SGD may worsen in the future, which means the profit earned investing in them may be counteracted by the worser exchange rate (i hope that makes sense). I know that the earlier i start investing in them, the earlier compounding interest can work, but a part of me is still afraid of the losses? Do you have any advice/opinions and what are your thoughts on this? Is my concern about the exchange rate even a valid one?
I totally understand where you're coming from. Had that thought too at the start. I think thats why I don't put it all in just the S&P500, it's a portion of my investments. There is never certainty when it comes to investing and thats why I think, at least for myself, I do prepare for 'what-if' these kind of things happen i.e. investing in SGD assets + cash.
Congrats on your growth!!!
Thank you for celebrating w me!!
That is impressive!
Love the transparency and being open❤, hope can be like you one day!🙃
You can do it!! 💪🏼
That is pretty fast!
Good job
Impressive transparency in sharing your financial journey and strategy at such a young age! Balancing a solid emergency fund with smart investments in index funds and stocks demonstrates a well-thought-out approach to building long-term wealth. 💰
wonderful video demi, you are very well spoken and to the point, no unnecessary music and emotions, you explain numbers very well, will definitely follow you and your journey , btw i am new investor as well. i am learning things slowly.
Hey Demi, I just watched your video and I must say that it was really informative and well-made.
I was wondering if I could help you edit your videos and repurpose your long videos into highly engaging shorts? I can also make high CTR thumbnails for your channel
🎉 nice! happy for u
Thank you for celebrating w me!!
Thank you for sharing your videos. They are really informative😊
Is investing more on US dividend better than local dividends? (Malaysia/singapore dividend paying stocks)
Great achievement! 👍
Thank you for celebrating w me!
Impressive!
I can never get used to Singaporean accent. Good content though
Insane progress in just 2 years from 26 to 28 years, almost 10x net worth.
I only started investing and was surprised why i haven't done it sooner. I guess lack of understanding and fear.
Jia You!
Best sg finance youtuber out there 🔥
🥹🥹
Your cpf amount is the total of everything in cpf?
Commendable achievement. A lot of it is beta driven courtesy of positive market cycles, but hey that’s the upside of index investing isn’t it
Commendable
love this for you!! All the best to you and also thank you for always sharing helpful and transparent content, really helps a lot especially when they don’t teach you these in school. I wish they did. Also it’s crazy bc I’m turning 27 this year and at the same milestone u hit last year as well! So this is really inspiring, thank you for sharing 🫶
Amazing! Same to you!!
Actually the funds in money market funds can also be treated as "emergency funds"
34 ,continued double mortgage payments, little under 5 years left. maxing out Roth 401k this year and I contribute to my brokerage acc about 1k every month. net worth millionaire by 40 is the goal , only debt is my home , I drive a 21 year old truck lol. net worth today is just over 400k , (brokerage acc, roth 401k, cash savings ,physical gold, home equity) enjoy your videos even tho I'm a American lol
Wow!! Thank you!!
Hi, Demi Great video What bonds did your father invest in or introduce to you ? Corporate bonds ? Don’t these require a minimum of S$200,000?
Inclusive of cpf sa and ma?
Huat big big sia
Thank you so much for the wonderful contents. I currently have hospitalisation, PA, and life [late CI] insurances. should I get a term insurance for TPD, DE, and Early CI before I start investing? always have the thoughts where I need to protect myself before investing. Appreciate it if you could advise :)
Could you fill in this form with more details and I’ll reach out to you! tally.so/r/wky9XJ
Any risk on the moo moo money market fund?
What is CPF
Hi, I have just achieved liquid 100k at the age of 26 this year (excluding cpf). Im a ITE dropout. im currently earning a below average salary income. I travelled overseas more than a few times a year. All I did was to stay invested and invested heavily.
Anything is possible guys😃✌️
🔥🔥🔥 HAPPY FOR YOU!!!
same 120k at 26 as NTU dropout😊 and travelled 4x a year
@@alvinwong8651 how did you managed to do it?
Hey Demi! wanna ask for your view on mutual funds eg allianz income and growth that gives 6-8% pa. monthly dividend ?
Hmm I haven't gone to see what's in those funds as I've been doing my own REITs portfolio that would give about 5% dividends. I think those funds would be good for people who don't want to DIY?
@@DemiZhuang yea the fund consist of various stocks and bonds from various companies consolidated by the fund manager. But so far i havent seen anyone to mention about their portfolio having mutual funds when mostly are focusing at S&P 500
@DemiZhuang can you suggest which REITS should I invest in? I am very interested in building REITS portfolio, I'm just a beginner, thank you so much.
Would you consider buying into Unit Trust? Some have pretty decent monthly dividend payouts too.
Not at this moment haha
How did you find the courage to put yourself out there?
I was in a phase of life where I was desperately finding a breakthrough. It felt similar to when I went paragliding, super scared before, but decided to 'just do it' and after jumping, it felt fine.
But govt keep asking people get married early and give birth lei. Even if got double the amount is enough meh?
Considering prices of house, preschools etc
And not even including cost of vehicle which many parents swear is a must have.
What advise do you have for a uni student with bank loan to pay? I'm conflicted between wanting to invest more or saving up now to repay my student loan in the next 4 years :(
Depends on interest rates
I’d project out the numbers that I have to work with! Whats the loan %. What kind of investments are you looking at whether doing both repayment and investment is possible, otherwise I’d say, repay the loan asap. One less burden off my shoulders. (My own thoughts 😂)
Is your income figures of 3700 including or excluding CPF?
including
thanks for sharing! sorry to hear the bad experience you had with cryptocurrencies :'(
265k at 30
What video editing software and camera are you using? When did you start picking up?
Filmora, Sony ZVE10.
@@DemiZhuangthanks so much replying!! ❤ do you mind sharing when you started picking up? You are an inspiration!
is pension fund like stocks included in the $ 100K?
Nope!
Just to highlight to your viewers that should you intent to get a flat in near future, you will need 12 month of salary statement, and also certain employment has got 'haircuts' 😊
Why did you choose Moo Moo? Is it safe compared to the other platforms?
ua-cam.com/video/0FqAQDvziUQ/v-deo.html - my own analysis. Do your own research too!
why did you only decide to take into consideration your cpf now and not back at 27 when you hit 100k purely cash? and also your cpf are you only looking at OA?
After I started contributing voluntarily to CPF.
Was wondering with an income of 8-9k/monthly, how aggressively should i be putting into my index fund ETFs? Im 33 with a family and child ❤
Have to look beyond income! After accounting for expenses, obligations, safety net etc!! Do whats comfortable for you!
Hey Demi! Could you share a little more how you managed to grow that $27k to $207k in just 2 years? I understand that a lot of it must have been really good saving habits on top of earning from your job, but most of it came from a diversified portfolio? That’s so impressive!
Most came from earning more income actually! I do not recognise and investment returns until I've sold off the stock / bond!
🎉 👍
Just turned 33, aiming 550k by 35
🔥🔥🔥 lets go~
Thank you for sharing! I am quite late to the game on investing. Any tips for those we are not even 100k net worth of investments at age 45 years old?
Never too late I think… Upfront I can’t say anything without understanding further as everyone’s situation is different !
Pay off high interest debts first. (Imho everything above 4% IS high interest if you do the math.)
growth first, become rich, then dividends, stay rich
Dont bother. Most singapore investors have poor financial literacy and would invest in div stocks
Your worst mistake was leaving crypto. Then again, Hindsight is 50/50.
200k is still a good achievement. Respect
haha to each their own!
24 years old with a goal of hitting $80k this year
🔥 Lets gooo~
Wait a minute, did I missed a chapter through this video, how did you make so much in 2 years 🤯
🙈
Hi Demi! What crypto u invested previously? How did u lose 10k😱 was it some altcoins?
Victim of Luna staking hahahaha 😂
@@DemiZhuang ohhh!!!!! My goodness hahaha that must be super painful ouch😂 shld have invested in BTC, now maybe 3x liao!!
hahaha I really appreciated the experience though. learnt a lot from it.
Appreciate the sharing. Love the journey and humility that you shared
Thank you!!
im 24 and i have 6 months of work experince and i would like to dave 20k by the end of the year
Nice!! Keep going!
$100k btc this year
To the moon 🚀
Did you eat and pay rent to save 100k dollars while earning 3k in 2 years?
27M, just hit 300k in stocks investments.
Congrats!!!!
love your vids and thanks for sharing your journey! Interested on your take on crypto though, I know a lot of people got burnt in 2021 and have stayed away from it since but this current crypto cycle we are seeing much more promising worldwide adoption in the form of bitcoin ETFs. A lot of the largest financial institutions also own crypto. Personally I think crypto is the future of money and it's nice to have at least a little exposure to that.
Haha next time!!
Hi Demi ! Paul here from Malaysia. You've got yourself a new sub ! :D I would like to invest in S&P 500 Index Fund but I am not sure on how to go about it ?
heyhey!! have a look at ziet invest this channel! he breaks down the S&P500 ETFs very well! www.youtube.com/@ZietInvests
How do you make so much from Adsense when your videos only get 5k average views? (Not trying to insult you, I know you have many videos over 15k too) I just assume Adsense pays so little unless you get 50k-100k views on average
I don’t make much from adsense
please share all your free documents etc thanks
Can we be friends😂?
Are these savings realistic for someone if they are going to get married and have children? You dont leh
you need to save up for marriage and kids right? lol
@@ColouredPixels nope I'm not. Cos people like demi and myself, our generation are not able to afford those ridiculous HDB prices thanks to older people who keep buying and selling hdbs and ripping profits
@@ColouredPixels and what in saying is that people of my generation mostly are not interested in marriage and children cos of the high cost of living
@@royalemakersupercell i was replying to your question about you saying it’s unrealistic savings for those going to get married and have children when you literally need savings for exactly chose events of your life. and also don’t speak on behalf on demi did she tell you personally all of your assumptions that you made? o.O
@@ColouredPixels I'm not speaking on behalf of anyone. It's indeed true that it is unrealistic savings for those who have children and have a house to pay for . Isn't it? Unless you're some high flyer who can earn above 6K straight out of uni as a fresh grad
Its always easier when u are single....😊
agreed
Hi Demi
I was added to a Telegram group by you. Is that really you?
Noooo i dont have any telegram group
@@DemiZhuang ok left the group and reported
thank you!!
@@DemiZhuang Can I chat separately with you in regards to the Telegram group?
Crypto to the moon! Buy bitcoin and eth!
do you have a boyfriend?
Is it possible to increase net worth with just 1 source of income? At least 4K a month for income. May not have the time to build side hustle for now due to other commitments
Yes I believe so. Keeping a high savings rate after all the necessary expenditures can grow your net worth overtime! Before doing all of this at my job I kept a savings rate of 60-70% monthly but it definitely takes a lot of discipline.
Then look into some form of investing so it can help grow it and beat inflation too.
understood previously you are subscribed to money market funds in moomoo / webull. does those comes under the savings or investment bucket?
I put it under savings!!!
Teamo.princcess❤❤