my simple cpf plan

ma - max out, use when possible, top up when possible

sa - i want to all in us stocks, but sa investments are all shit, so do nothing

oa - every year all-in excess over 20k into us stocks

use cpf for housing? no

why? i pay full cash

 

i moved my oa funds to endowus in 2023

since then already up 6 digits there

 

i was going to say

my end game is to have the max ers (currently 456k)

but

i actually already hit the max ers lol

at 55, all the cpf excess, i will withdraw and switch to cash investing

at 65, i will opt for cpf life escalating and begin payouts

because i plan to outlive all of you

between now and then

every year ill top up for tax relief (until i hit my cap)

every year i invest oa balances to all in stocks

side note for srs

i will also max out every year

and i will also all in us stocks

mentally self limiting your own srs to 400k to avoid paying any taxes is disgusting

paying the first few tiers of income tax is peanuts

im 100% confident my srs balance at withdrawal age will be over 1m

choosing srs investment is ez

logically very few correct answers

endowus 0.30% pa

ishares us index fund 0.08% or amundi prime usa 0.05%

both are acc

the exclusion of the other dm countries is a feature not a bug

less correct answer is ishares dev world 0.12% or amundi mcsi world 0.10%

less correct because it includes shit countries

the exclusion of em is a feature not a bug

completely 100% wrong answers which may indicate high levels of financial retardation

- fixed deposits, ssb or tbills

- bonds, bond funds 

srs is designed to be harvested far in the future

selecting short term investments to put inside a long term account

is unfortunately

financial iliteracy 

personally

my srs is 100% in us stocks

and my next srs contribution will continue to be 100% us stocks

related: https://guailanking.blogspot.com/2024/08/dont-overinvest-in-s-lol.html

one hundred thousand united states dollars

maybe that was it

the last chance ever

for the rest of all human history

to buy btc under 100k

gone

brace for impact

incoming 1m65 video on why bitcoin is a bubble

looking forward to half the sinkie finfluenzas rush to post to raise caution (salty af, holding back fomo)

and the other half to eat the forbidden fruit (most in secret, to avoid reputation risk)

sell signals this cycle:

- local yewtuber giving coin recommendations and reviewing exchanges

- mr 1m65 buying 1 btc as a reputation hedge

- moneyhoneysg yield farming on defi double digits instead of shilling moomoo cash plus promo deposits

i wish all the real crypto soldiers the most reasonably sized of houses

to everyone else, i hope you are having fun staying poor