老实说，对基金没什么好印象。。。若不愿意承担股票的高风险，买Bond的确是一项长期的好投资，尤其对那些有闲钱者而言。
比如 HDB and JTC bonds.
Equity should be better than bond in long term
If you really have a great lum-sum, you should go for the higher risk choice.
Yeah!
Equity should be better than bond in long term
Yeah!
It depends on individual ...for someone who has spare cash and do not want to take risk, i think bond is the better choice.
Hm...
My point of view is economy is always growing in long term, and bonds can take little advantage on that.
再加个议题：大家如何理财？新加坡好像没有国内那种纯粹的零存整取，一般都与保险组合在一起。我对保险没兴趣，且组合保险的零存整取一般都在10年以上，太长。
DBS的户头渐涨，新加坡存款利息又太低。以前常回国出差，在人民币去年升值前转移了一些在国内，还算划算。
大家一般如何处置闲钱？
Easiest one:
remit your money back to China
Fix deposit have very high interest rate.
Fix deposit have very high interest rate.
。。。。。。
I am not joking
If you have 100K, equally distribute them to SGX or HKSE constituent stocks and hold them for 10 years, what do you think about it?
I am not kidding ....You may left with 20k ....
Compare the prices for most of the SGX stocks in 1996 and now, you will know what I mean.
However, if you compare prices for 2001 (after 911) and 2011, for 100k you invested in 2001, you may get back 300k in 2011. So it all depends on your entry level (or entry year) and what is going to happen when you exit.
If you enter in 2001, STI was 1200. If you enter now, STI is 2500. In 2011 and 2016, STI should be 800 or 3500????? I don't know the answer, do you know???
Well... if take 911 into account... maybe you are right.
But you have idea when will the next 911 comes?
汗！中国的通货膨胀可是很高的。而且，关键的是换回去容易，换出来可就难了。
Why difficult?
You can remit back and exchange in singapore, it's the same.
From the currency policy adopted by government these years, I don't think the exchange rate will drop much.
From the currency policy adopted by government these years, I don't think the exchange rate will drop much.
No need 911. "President Chen" continue do some more things, some affect will beseen.
China now military exercise, barking dog, wont bite you might say,
Chen's fellow now one more step , want to add "2 countries" into constitution, how to react?
Not necessarily a 911. but some "smaller" things, we small investor will already cannot take it lah.
So better stay away from Taiwan shares lor...
The sign of Mr Chen will do something similar have been very obvious for quite long...
Of course if you want to take high risk and get high gain, just try it lor...
Of course if you want to take high risk and get high gain, just try it lor...
some private bank product garantees you 15% returnreally don't know how they do it....
but you need 5M USD to qualify to be a private bank customer.....
Do you think anybody here got 5M USD in hand?
I do think this kind of person can be excluded from this board anyway. Either there is no such person, or they operates in a very different manner like us.
No need 911. "President Chen" continue do some more things, some affect will beseen.
China now military exercise, barking dog, wont bite you might say,
Chen's fellow now one more step , want to add "2 countries" into constitution, how to react?
Not necessarily a 911. but some "smaller" things, we small investor will already cannot take it lah.
Haha, I know you are just giving an example
But I am actually talking about those cases that happens suddenly with no sign even 1 day before. (e.g. 911). Thus why I say Mr Chen's story is totally different from 911. And for most cases like Mr Chen's, we can take some preventative actions to minimize our lost.
在新加坡买了房子还有钱投资的人，就两个字，NB！！！
Why not?
Only your 1st payment is from your pocket, the rest from your CPF only. Work for another 1 or 2 year you should get at least something. Unless you hold the same idea as 梅花宝剑 that investment need at least 100K.
还买了车子，生了小孩呢？至少要年薪10万以上吧。。。
Well, it is a different case then
And I think that's why I see quite some couples married for 5 years or more but still have no kid yet.
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