How I Allocated my First $100,000 at 27 Years Old
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- Опубликовано: 26 сен 2024
- This is How I Allocated my First $100,000 after reaching it at the age of 27. Figures are rounded for easier reference. From the safest and highest liquidity, to investments in the stock market, index funds, bonds and more. Regardless of the amount the mindset behind how I've allocated is how I hope will help you guys.
Update
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⏳ 23 July 2024, 10:00PM SGT - 31 October 2024, 9:59PM SGT
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Books that Changed My Perspective (Life & Money)
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📚 The Pathless Path - amzn.to/3vxYqOu
📚 The Psychology of Money - amzn.to/3vB4g1p
📚 Die with Zero - amzn.to/3ShqkHb
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Disclaimer
Some links above are affiliate link. I earn a little at no cost to you!
Hey guys, I just wanted to mention that with all the videos I've posted to-date it 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. 🫡
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#personalfinance #demizhuang #100Kbefore30
Thanks for the info, it's very insightful. Cheers, Demi.
Hi Demi, thanks for the video. Looking forward to your DIY REITS video and hope to hear your criteria for the REIT to make it into your portfolio.
Excellent video 😊👌🏻
insightful as always!
indeed you look more happier now
Great video! Thanks for sharing your journey
Hi Demi, it's interesting that you picked VOO, but you may also consider delving into Ireland domiciled ETFs like VUSA/IUSA, I avoid VOO cos of the high tax of 30%. Personally I think pick CSPX, as I believe in not getting a dividend but rather just reinvest the surplus
CSPX is a good bet. Ended up with it as well for the reasons you mentioned
Looking forward to your sharing of REITs investments.
Hey Demi, thank you for sharing! Looking forward to your video on reits!
Hehe Cmg soon :) thank you for watching and leaving this comment!
can pls share more on your dbs vickers ??? any do you happen to know about bluechips offered by banks? is that same as buying stocks
Thanks for the critical tip on emergency funds , completed had no idea!😂
happy it helps :)
Hi Demi! Thanks for the insightful video. I’m curious to know your thoughts on an Investment-Linked Plan (ILP) via an insurance provider VS other investment channels you mentioned in the video. Which is the better choice?
Hi I personally think, keep insurance and investments separate.
Impressive🎉❤
Dividen play buy bank more then enough
Should go for us grow stock.because u are young dont waste time on riet.
Hi Demi! Thanks for the video :) I just started using the UOB one card and paired it with the UOB one account. However, I do not see any interest cashback for my UOB one credit card on my statement. Is this because it is combined with my UOB one account monthly interest rebate? Or do I not receive any cashback if I use both UOB one card & account? Thank you!!
Need to hit 3 months of minimum spend for UOB one card to get the cashback
Hi Demi, is there any reason why u choose SSB on an avg of 3%++ p.a over MMF like syfe guaranteed 3.7% p.a to deploy your cash?
SSB is 100% backed by MAS and low chances at defaulting. It is very stable and easy to withdraw. I guess Demi wants to be more diversified on her monies haha 🎉
Yup agreed with @AbcBakery haha security is one and another is because SSB is 10 years, the 3+% is locked in. Unless absolutely necessary, I'd redeem it. Interest rates will fluctuate and won't stay this high forever. Split allocation would be ideal. :)
How did you make rental payment using uob card?
Airbnb.
Hi Demi, if you charge your insurance premium on UOB debit/credit card, you definitely can hit the $500 spending. For me i charging my uob credit card with $500 endowment plan.
Good point!! :) Thank you for sharing!
Hi Demi and everyone. Before u all think that moo moo will simply give 5.8%, pls READ AND UNDERSTAND FULLY ALL THEIR TERMS AND CONDITIONS B4 U MOVE FUNDS INTO MOO MOO THINKING N HOPING TO GET 5.8%
it's 5.8% p.a. interest for 30 days, you have to pro rate if thats what you felt cheated by.
@DemiZhuang no its not. I do know how to calculate per annum n pro rate etc. I hold a degree in accounting. I am also aware abt the bonus coming later. I put 50k into Phillips but no issues there.
Did u know that for moo moo, u need to do the buy trades b4 they will start giving the revenue ?
@user-me2ev5gk9f you mean buy trade of subscribing the amount into the fund instead of just depositing on the platform?
Have you thought of growth stocks as an addition to your portfolio?
👍