Investmentat Salary.sg – Your Salary in Singapore |
If you and your spouse are working professionals making median salaries, it’s not hard for both of you to accumulate $1 million before you reach 45 years old. Suppose both of you started working at age 25, and always save and invest one-third of your income. If your savings and investments earn just a 3% [...]
Much has been mentioned about the “transparency” of Sibor-pegged mortgage loans. But there are TWO risks associated with such loans. First is of course the possibility that the Sibor rate may go up. And it may shoot up dramatically. Just 3 years ago, Sibor was hovering around 3.5%. If your bank charges you Sibor + [...]
The STI index closed today at a year-high of 2,712.15, up more than 80% from its bottom just 7 months ago. About a month before the market hit the bottom, I talked about exploiting the recession. STI was around 1,700 then. And about a month after the market hit bottom, I talked about market cycle [...]
Read the full article at Did You Exploit the Recession?According to the Straits Times (Sep 19), median home prices in 2008 were about 16.3 times the median annual income that year. The article never mentioned if 16.3x is a bearable or even realistic figure for individual households. Using ST’s median figures for 2008, if a household making $59,400/year were to buy a $970,000 condo, [...]
Read the full article at Is Your Home Price 7.6 Times Your Household Income?Frank sharing and valuable insights from a guest (thanks!) in our Salary.sg Forums, in response to a list of questions I posed in an old article on how to get rich: – How did you make your first million? “Made my first million i think around 30 or 31 years old. Graduated from uni in [...]
Read the full article at Millionaire Forummer Shares Experience and Gives Valuable AdviceThis recession is perhaps the most “prosperous” recession we have ever seen, thanks to all the liquidity injected into the global monetary system and our government’s pump priming of the local economy with infrastructure projects, jobs credit and low interest rates. The STI index closed today at a 10-month high of 2,533.43. And URA reported [...]
Read the full article at Stocks and Property Recovering (see graph)The HDB resale price index has set a record high of 140.0 according to HDB’s flash estimate released early this month. More than half a year into Singapore’s “worst” recession and after private property prices crashed more than 20%, the resilient HDB prices manage to buck the trend and even set a national record – [...]
Read the full article at Property Prices Out of WhackOnce in a while you get these great gems from reading the papers. In a Business Times interview, David Lawrence practically whacked the greedy banks and at the same time dished out an excellent investment advice. It’s never been so clear. In the words of the Wheelock Properties CEO, “A lot of this crap was [...]
Read the full article at The Wrong and Right Way to Invest: Wheelock CEOWe have launched Salary.sg Forums. Now you can discuss salary, job, career and investment matters in a user-friendly forum format. Powered by vBulletin – which is the most popular forum engine among top discussion forums worldwide – you can now view well organized threads of discussions and reply directly to a particular thread or post [...]
Read the full article at Launch of Salary.sg ForumsAs the property market heats up again, you may be interested in buying a new home and taking up a Sibor-pegged property loan. Do you know that the 3-month SIBOR rate shot up to an astonishing 9.5% in early 1998? Or that it went to a low of 0.56% in mid-2003? The following chart shows [...]
Read the full article at Historical SIBOR (see graph)
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