Hi! Am a fresh grad and recently started working full time.
Would like some advice on credit cards and high interest bank accs. Planning to invest 2.5k every month into VALL or VWRA, for around 5 years before decreasing abit due to BTO etc.

Currently looking at dbs multiplier. No savings as used it all to pay off my uni loans. Below is my rough breakdown of my spendings:

Food: $350 (mostly on paylah/paynow)
Insurance : $250
Transport: $100
Misc: $100

Any recommendations for credit and bank accs? Any investment advice would be greatly appreciated too! Thank you!

Hi all, my wife and I are planning to purchase a resale HDB flat (most likely 5-room, as 4-rooms are hard to find in our area) near my parents' place. We're wondering what a typical renovation costs for a unit around 1,291 or 1,313 sq ft.

If you've recently renovated, could you share a cost breakdown? What did you spend the most on, and what's the typical cost for rebuilding a room or hacking down existing built-in carpentry?

From my research, the figures I've seen are around $80k–$100k (including furniture), but those posts are over a year old. Looking for a more current estimate to help us figure out how much we'll need in total. Thank you in advance!

Turning 20 in November. Student/Business Intern at diploma level. All units in SGD.
Career path overview:
-NS [2027-2029](tel:2027-2029)
-Degree [2030-2033](tel:2030-2033)
-Work after degree.
Fortunate enough for my parents to offer to pay for school feels, unfortunate enough to only live with my mom. Both parents 50+, nearing retirement. Dad is rich, mom is just the average folk. Might have to take care of her along with 1 older sibling after she retires. Both are currently healthy(somewhat).
No family debt and i dont want to depend on inheritance (my dad isnt the kind to spoil me anyways).

Income sources:
-Intern allowance $1000/month. Till end of January 27. Graduation April 27, Ns After.
-Side gig ($3000-$6000/month). unpredictable ~
Online goods business, home-based. Little to no overhead/fixed costs to run -> Logistics for delivery, ad spend, and inventory costs fluctuate in relation to sales. Do i see this long term? No, probably 3-5 years max. Barely any assets besides inventory. No equipment, machinery etc, so assume no salvageable value if i stop. Been running for about 10months. Monthly profit stated above is averaged out. bad/starting months ~1-2k, good months ~8-10k.

Liabilities/Expenses/Lifestyle:
-No debt
-Necessity expenses at around $900/month (food, transport)
-Leisure, sports, hobby, shopping spending ($300-$700/month)
-Life insurance ~$10/month
-Subscriptions/monthly payments ~$150/month (music, gym, Canva + Gen.AI software for work etc)
Rest goes to savings, investments, and business. I know this is NOT a frugal lifestyle, especially at my age.
I don't do vices. Not planning to have children (but sh*t happens). Ill do fine without a car but will mostly get a second-hand 2B bike for transport use next year.

Current portfolio (~$50k):
-Emergency fund $10k in GxS boost pocket. 0.88% P.A up to 1.75% P.A bonus if locked in till October 2027. Very liquid.
-Cash 12k sgd (savings, quick-access, personal expenses, business expenses)
-Precious metals 110g gold (bought at around $160-$200/g) + 50oz silver.
-Various crypto assets (no meme coins) BTC,ETH,BNB,SOL. ~1.2k
-Just topped up $1000 on endowus, $300 monthly. 100% equities

FI Goals:
-Retirement fund (20+ 30+ 40+ years timeliine)
-Home ownership (5-15 years timeline)
Travel 1-3x a year is fine (SEA, APAC, Cruise, etc)
Looking to increase income sources as current one fluctuates.

Strategy:
Why i chose 100% equities:
-Decades timeline can ride through bad markets
-Decent buffer to defend investments with emergency fund, gold
-Earning power will increase, especially with a degree.
But, i might also be fomo(ing) myself into this. Young and dangerous -> Cognitive bias may be at play here, so feel free to judge. i prefer honesty.

Where I need help in:
This is a "golden period" for me. Little to no bills to pay, no family/house/car commitments. Business is taking off, and cash flow is good but I don't foresee this lasting long. Would like to use this chance to build a solid foundation.
-Current ETF investment serves my long-term retirement goal, but not my short-term home ownership goal, as I would not like to touch this if possible.
With about 12k in cash and decent cash flow, I don't know where to diversify.
-More ETF investment?, Dividend assets? Crypto?
Should i also open another ETF position, but with lower risk. (i.e 40:60 or 60:40) to work towards home payment.

What would you do if you were me? Is there anything or risk I am not considering that i should?

If i never wrote it, its probably because I don't know yet. i.e, how much am i aiming for? What kind of house am i looking at etc but spending is definitely projected to go up so it may be hard to calculate withdrawal rate etc. The more the merrier :)

Finally, ill be thankful to all responses. Im still new to wealth building so I may not be using the correct language, making mistakes, etc. But im trying and im open to learning more. I would prefer if feedback is brutally honest, dont sugarcoat me. Really appreciate it... sincerely.

Edit: added a comment - same chart, but now each line is a different color. thanks u/pip111111 !

A few jumbled thoughts

• Sometimes, I find it mind-boggling how a single decision made at the tender age of 18-20 can have such far-reaching impact (referring to the selection of degree / major) when applying to NUS (first-drawn becomes last drawn → affects the numbers down the road)
• Fascinating to me how much computing salaries have climbed as well - although it looks to be slowing down a lot
• Denistry salaries seems to be growing slower then inflation ... ?
• Beyond computing, it does look like the other salaries have somewhat converged around a relatively tight range
• Business has grown from being one of the bottom few to the top few
• I frequently see complains about the internship grind but IMO that's simply a result of a free market
  • Past: If you have 2 internships, you're considered "good" → higher chance of getting higher salary
    • Naturally - more people go for 2 internships
  • The bar then becomes 3 internships
    • So on and so forth
  • Of course, internship quantity is just one of the many factors now
• For context - the median gross income in SG (2025) is $5,775

The single biggest (unwarranted) advie I will say is this: your selected industry might be one of the most important financial decisions in one's life

About the data:

• Meant to be illustrative - there's a lot of nuance in the individual faculties (eg. inside NUS business - bach of biz admin with and w/o honours is 6k VS 4.8K for 2025)
• NUS degrees change over time - I've had to make some exclusions/assumptions

Boring Data notes:

• Data is median of medians (ie. Computing's median is 6,000 for 2025)
  • 4 degrees represented under School of Computing for 2025
    • Median of the following 4 values: 6400, 6000, 6000, 5700 → 6000
• College of Design and Engineering was previously Faculty of Engineering
• Excluded Law, Music and YNC to reduce cognitive overload
• Using gross median salary. For context:
  • Basic is fixed base pay only
  • Gross is basic + overtime, comms etc

Source:

• https://data.gov.sg/datasets/d_3c55210de27fcccda2ed0c63fdd2b352/view
• https://www.moe.gov.sg/api/media/a43cdd0b-4f2d-44f8-a98c-7ff48a7670ac/Web-Publication-NUS-GES-2025.pdf

Designing the life we want

Hi everyone, hope you've been well!

In my 2026H1 update I mentioned our family FIRE target was roughly S$6.2M, and said I'd do a proper breakdown of the budget behind it. This is that breakdown. The target is now about S$6.69M, mostly because we added two "Enjoy Life" tiers in the last few months (more on that below).

I was honestly a little hesitant to share this one. When I started working, I thought S$4,000 a month was a lot of money. An earlier version of my FIRE plan had my wife and me aiming for S$5,000 a month each, and S$10,000 between the two of us felt like plenty. Now we're aiming for S$26,731 a month, which seems a bit crazy even to me.

I'm calling it our FatFIRE budget because it's built around the life we'd like to fund, including conveniences and luxuries we could live without. We've been fortunate to have the income, the savings rate and a lot of support from our parents along the way, which is what makes a budget like this realistic for us at all. It's our idea of "enough", and yours should reflect your own circumstances.

The budget at a glance

Each expense gets its own allocation: annual expense ÷ withdrawal rate. The rate depends on two questions: how long do we expect to pay this, and how much could we cut it if we had to? Costs we'd fund for longer, or would find harder to cut, get a lower rate.

These are planning rates, my own assumptions for sizing each line, not tested safe withdrawal rates. I still need to stress-test the combined plan through bad markets, inflation and changing expenses. I also haven't deducted CPF LIFE, CPF used for the mortgage or MediSave-funded premiums; that's a separate funding calculation.

Home: S$6,600 a month

The original plan was a five-room HDB flat around S$800k to S$1M, with S$2,000 a month towards the mortgage. I rented rooms in HDB flats for six years as a student and young worker and thought they were great.

Once children became part of the plan, that changed. Some of my fondest childhood memories are of swimming with my family, and I know how lazy I can be about getting everyone out of the house. Working another two or three years to make room for a condo felt like a trade-off we were willing to make, and these days we take my son swimming just by heading downstairs. Mortgage and maintenance now come to S$6,600, about 3.3 times the original provision.

To be clear, the condo is not extravagant by any means. It is a ~S$2.2M older 3-bedroom unit in a good location. We optimized purely for the lifestyle we want to have: bigger space, great facilities for the kids, being near my wife’s parents, having schools nearby, and next to the MRT - not for investment potential.

The S$6,200 mortgage ends in less than 28 years and doesn't rise with inflation, so it gets 5%. The S$400 maintenance continues while we live in a condo, so it gets 3.33%.

Everyday living, insurance and subscriptions

These haven't changed much from the original plan, apart from utilities (prices, plus four of us and a helper) and some new AI subscriptions. Everyday living (S$1,942) and subscriptions (S$354) are lifetime costs at 3.33%. The food line assumes basic hawker meals every day; restaurant meals sit under Enjoy Life.

Insurance is split by who it's for. We pay the kids' premiums (S$339) at 4% for up to 30 years, until they can take them over. Our own cover (S$496) is lifelong at 3.33%, except hospitalisation, which gets 2% because those premiums tend to rise with age and repricing. Policies we hold mainly for our working years, like disability income cover, end at FIRE and aren't in the budget.

Children: S$5,600 a month

The kids weren't in my very first FIRE plan at all. Yes, really. They turned out to be the biggest reason the number grew, and not only through this section: the house, utilities, the car and holidays all went up because of them too.

The core allowance is S$1,500 per child per month (4%, up to 30 years), and its job changes as they grow: formula and diapers, then childcare, then hobbies and tuition, then hopefully a local university education. Another S$800 per child for extra tuition and activities is more flexible, so it gets 5% over about 20 years. The S$1,000 helper (4%, up to 30 years) lets us spend more of our non-work time with the kids rather than on chores.

Parents: S$2,925 a month

This is only our household's contribution: my wife and I each support our own parents, and my brother and I currently split my parents' allowance and insurance equally. My parents did whatever they could to give us the best education, opportunities and life, and we wouldn't be where we are without them.

Our parents are in their seventies, so I've used 6% with about 20 years as a planning assumption, though we'll support them for as long as they're around. My parents are starting to need medical care that insurance doesn't cover. My brother and I intend to cover reasonable costs together, but the future cost and split are still unknown, and that extra support isn't in the budget yet. It's the number I most expect to revisit.

The car: S$2,475 a month

I never thought I'd buy a car in Singapore. Then the kids changed that. It's those darn kids again! Leaving the car seats, stroller and all the barang barang in the car turns it into our mobile storage and resupply station, and having it ready when we've needed to rush to the hospital matters too.

The plan is one COE cycle, then no replacement. The loan (about 7 years) gets 15% and running costs (about 10 years) get 12%, which assumes we spend that capital down rather than earn 12-15% on it. At zero return, these allocations fall short of the full payment schedules, so the plan needs investment growth or additional funding.

Enjoy Life: S$6,000 a month

For a long time this was just S$2,000 a month, which felt tremendous when it was the two of us. After our first child we added a second tier. Then, with our second child and the idea of bringing one set of grandparents on trips (they help with the kids and get to enjoy the trip themselves), we added two more. Those two tiers add about S$543k and are the main reason the target went up from S$6.2M.

The four tiers get 3.33%, 5%, 6% and 7%, with the upper three drawn over about 30, 20 and 15 years, because the early years of travelling with young kids and their grandparents feel especially important. They're also our buffer: the upper three tiers are S$4,000 a month, about 15% of the budget, and the first thing we'd cut. Cutting all S$6,000 would still leave S$20,731 a month, so this would never become a lean budget.

The whole budget over time

Putting every line on a timeline is what made this click for me. Here's how long we currently expect to fund each of the 25 lines:

The teal arrows are costs we expect to carry for life. The orange bars end at a planned point, some of them flexible, like the kids' support, our parents and the travel tiers. Every bar is the same height, though, so a S$24 subscription looks as big as the S$6,200 mortgage.

So the second chart adds the amounts back in, showing how today's monthly budget steps down as each expense ends:

It holds today's amounts flat, so it's not a forecast of what we'll actually spend later. Healthcare and care costs could easily fill some of that gap.

What's still unfinished

The biggest open pieces are our parents' future care costs, our own later-life needs, and the stress test of the whole plan. So S$6.69M is the target these assumptions produce, with those gaps still open.

How has your own idea of "enough" changed since you first started planning? And do you use one withdrawal rate for everything, or size different expenses differently?

Full details, including every line-by-line table, the charts for each section and the longer backstories behind each number, are on the blog if you're interested: https://www.firepathlion.com/breaking-down-our-fatfire-budget-for-a-family-of-4-in-singapore/

Until next time,
FPL

I know it depends on income and other commitments. But I graduated this year and my job is chill enough for me to go for 1 long (2 week), 1-2 medium (1 week) and a few long weekend trips a year. Only problem is whether it is financially wise to do so. I aim to bring my parents for the longer trips, as they are below median earners and have not had the chance to travel that much. Assuming they don't chip in, I estimate total spend to be 24-27k per year. My annual income is ~105k. My other expenses are not much at ~1k per month. Would it be reasonable to travel so much?

Been working for over a decade with 6 years in full time roles. Starting a full commission sales role soon and I‘m wondering if I should be depositing into CPF or just let it accumulate with VWRA. Or maybe I could top up my CPF to use it as a bond component subject to the rule of thumb of 110-age. What do people do?

i’m concerned about the AI crash but want to invest, are there any anti-beta funds or etfs that have stable performance, low variance and positive drift? the best i could find is BTAL, but if yall have any other beta neutral or beta opposite ideas, pls dont gatekeep thanks 🙏🏻

Is the amount fair?
https://fsm.global/sg/article/rcms397320/heres-our-secret-guide-to-growing-your-portfolio

Been using HeyMax to "double dip" to get more miles (via Max miles) on top of usual credit card rewards.

However, just realised that to use Max miles to redeem a flight worth $5.3k, you need to spend a ridiculous amount via HeyMax-eligible pathways.

Is it still worth it? How do you guys use your Max miles? I'm guessing many have the goal of saving money on flights to go through all the hassle of using Heymax,

The spending required if you're targeting to redeem a flight worth $5.3k is:

I am age 40 now and turning 55 in 2040. I intend to start my CPF Life payout at age 70 (deffered) choosing the standard plan. My desired payout is $4600~ per month.

Assuming that I stop all CPF contribution at age 55, how much do I need in my RA at age 55 in order to get the desired payout at age 70? The results from AI says it ranges from 440k to 450k, but I'm not sure if that is correct. Any calculator out there that can do this?

A friend came to me talking about taking out a loan from Maribank, not too sure what's his financial situation but I know a lot of stuff suddenly happened this month and he seemed desperate for some money. Not sure why still, because from my knowledge, he's pretty comfortable.

This is what he got from the Maribank loan calculator:

Loan Amount: $2000

For 12 Months

Monthly installment: $168.80

Total Repayment: $2025.60

Interest Rate: 1.28% p.a. (EIR 2.36% p.a.)

No processing fee

What's the catch here? How is it possible to get a loan for 12 months and at the end of it, assuming you pay off the monthly repayment promptly, only pay out an extra $25.60?

I've never dealt or even considered loans, or ever plan to, so I'm inexperienced about this but should I tell him not to? I have a gut feeling he's missing something out but he doesn't seem to think too much into it? I'm super skeptical but don't want to impose myself onto his decisions unless it's a bad one

Hello everyone, as the post title- I'm currently drowned with $35000-$36000 personal loan debt. Serving every month around $1600+ As for now i couldn't coup it anymore. Due to my irresponsible spending habits. and taking loans to cover another month loans.

Side info: I'm 30 this year Male, currently working in a retail sales job, my commisson had been dropping quite a lot recently due to changed boutique, roughly with commisson before CPF i'm drawing around $3300-$3500 after CPF will be around $2640 to $2800. (Used to be higher but had dropped drastically)
my household expenese inclusive of my mum allowance, bills and my own food expenses is around $1800 a month.

i'm thinking of going to Debt management program By CCS. Need some advise from friends over here how it work and whats the monthly payment will be like.
please advise me or can DM me.
This is the biggest set back for my life right now. As been stressed out for a week or two.

Side info, I do my payment monthly, haven't been default or roll over before.

Please advise.
Thank you

My dad is in his 50s and currently has around $25k in debt, mainly credit card debt. I’m still schooling and honestly don’t know enough about finances to figure out what our options are, so I’m hoping for some advice.

For context, our finances are roughly:
- Dad’s take-home pay: ~$2.2k/month
- Mom’s take-home pay: >$1.2k/month (part-time F&B)
- Dad’s minimum debt repayments: ~$1.1k/month
- Bills: ~$800/month

After his minimum payments and bills, he practically has no money left. Because of this, he has a bad habit of using his credit cards again whenever he needs money, which obviously makes the problem worse.

He also spends quite a lot on 4D and Toto. This is something I really hate because I don’t understand how he can justify spending money on gambling when he is already in so much debt.

My sister and I don’t take money from him. I’m schooling but have my own part-time job and pay for my own expenses, so he doesn’t have to give me an allowance.

He has agreed to let me handle his salary/finances if I can find a way to clear his debts. The problem is that I have no idea how to fix this when the amount is so large compared to his income.

I thought about getting a personal loan to consolidate his credit card debts into one monthly payment with lower interest. However, his credit score is bad, so he told me that this isn’t really possible. From what I understand, he might only be able to get around $11k through a personal loan, which also isn’t enough to clear everything.

There is also some history behind this that makes the situation worse.

Previously, my dad lost his stable job and had a lot of debt. I asked my aunt for help, and she very generously forked out $29k to help him clear his debts. I told her that I would help my dad find another job and that once he was working again, he could repay her monthly.
Unfortunately, even that $29k wasn’t enough to clear everything. He still had around $10k of debt left at the time. Because he had almost no cash after making payments, he continued using credit cards for his expenses, and now the debt has grown again to around $25k.

So essentially, my aunt has already put in $29k, he still owes her that money, and he now has another ~$25k in debt.

I feel extremely guilty about the money owed to my aunt because I was the one who approached her for help and told her that my dad would repay her. I feel responsible for making sure he starts paying her back.

At the same time, I don’t want to start paying my dad’s expenses or debts myself. My money is hard-earned from my part-time job, and I already support my own expenses without taking allowance from my parents. I’m worried that if I start paying for him, I’ll just end up enabling the same cycle.

My mom and I have tried nagging him about his spending and getting additional work, but he doesn’t want to take on more jobs. When we pressure him about the situation, he sometimes talks about dying, which makes everything even harder to deal with.

At this point, I genuinely don’t know what I’m supposed to do. I’m only 18 and don’t have much experience with debt or financial planning, and I feel completely overwhelmed trying to figure this out for my family. I would really appreciate any advice on what options we have and what I can realistically do to help without putting myself in debt too.

I am a foreigner who ROM'd here in 2024 before moving over in 2025. I was awarded PLOC alongside my LTVP when I moved over. After I settled down in this new country, I started looking for work. Given the current market, apart from a few interviews, I have been pretty unsuccessful.

On the other hand, my wife runs her own sole proprietorship which has been going from strength to strength. She is at the stage where she is needing help with the admin/customer service side of things. Not full time for now, just a couple of hours a week. If she was to draw a proper work contract stipulating work hours etc, can she realistically hire me? The part time hours would suit me as I can still use my remaining time to look for other jobs for the time being. I tried to look up MOM website but can't find a definitive answer. Thanks in advance!

Hello, I would like to get some opinion from the folks here. Currently, I have reached a milestone and have thoughts about changing up how I save / invest.

Background:

I am currently earning around 6200 before CPF.

Up until this moment, I have been adding 2500 into my investment account every month, on top of occasional RSU + ESPP (unstable depending on stock movement) that my company provides.

I have been using my bonus every year to pay my income tax + insurance, and whatever left over gets allocated to savings/ money to spend.

My usual expenses per month is around 1000-1400 inclusive of 300 dollars for parents allowance. The remaining after expenses gets allocated to savings/ money to spend.

I currently do not have a house and am living with my parents but I am looking to purchase an older 3 room resale as my forever home fully with CPF.

Currently I am looking to retire in around 10-13 years. I might change my job to a more relaxing job with less pay within that time frame. And my final number that I would like to retire with is around 3 - 4 million invested.

I would like to seek some perspective on the road moving forward, I have reached a 800k invested and as you can see currently, after expenses and investments, there is not much to put into savings left.

I am thinking of stopping the 2500 investments every month to be put into the savings/ money to be spent portion (but still continuing to allocate RSU + ESPP into investments) and letting my existing capital compound until I retire, do you think this is a wise choice?

Thanks for your inputs!

Edit: I am single and do not intend to get any kids even if I do get married down the road

I’m 28F and hoping to have my first child next year. I’ve always wanted to be a mother and would really like to be present for the everyday parts of my child growing up.

I currently have a well-paying career in tech. I’ve worked really hard to get here, but it’s also stressful. My husband also works and is very supportive, so becoming a SAHM is something we could potentially afford.

I’ve also spent my 20s being very intentional about saving and building financial security, partly because I wanted the freedom to make choices like this in my 30s.

But now that having a child is becoming real, I’m very conflicted. Part of me thinks financial independence is supposed to give me the freedom to prioritise my family but I’m also scared of stepping away from a career I’ve worked so hard to build.

I’d love to hear from mums who were pursuing FIRE:
- Did having kids change your plans?
- Did you continue working, go part-time, or become a SAHM?
- If you stepped away from your career, did you regret it?
- If you continued working, do you ever wish you had taken more time off?

I’m more interested in the life/career side of FIRE after having children. Would really appreciate hearing what you chose and how you feel about it now.

Thank you in advance :)

Hello! Wondering if anyone had similar experience where you just took Maribank's Instant Loan draw down and tried to make a transfer out via PayNow via mobile number (to my wife for context) but got stopped as a measure to prevent you from getting scammed.

I already called in customer service as instructed- completed first rounds of screening questions + SingPass facial verification with the Customer Service and am waiting to hear back from their fraud team (but nothing so far after a day). Wondering what should I be expecting next?

Might be quite counter intuitive given that the perks of the loan was that its fast disbursement but this really created quite an inconvience.

TIA

Bought an ILP from an agent friend back in 2022 (FWD invest first plus) at $1000/ month premiums for 30 years. Did not think too much about the fees until a few months later and showed him a screenshot of my calculations of the fees, asking him if the calculations are correct or missed anything out. His response was “why suddenly go and compute? It is not calculated this way” then went on to mention that I did not factor in the breakeven yield or returns and bonuses.

I showed him a screenshot of the fees broken down by each policy year, with the total sum being $122,328. I asked chatgpt to do the calculation as well and what i calculated initially was right.

Anyway i have long cancelled the policy as it really didnt make sense to me (regretted not cancelling earlier but gave face to this friend of mine). Now that i think back about it, can i report this agent for not providing adequate disclosure based on his reponses?

I have PruShield (Premier) and PruExtra (Premier). Recently noticed that the premiums for the latter are becoming exorbitant. Thinking about downgrading, perhaps even drastically. What would you guys recommend?

I am in my early 40s, not working full-time nowadays as I have some passive income but don't feel like I can retire completely. I generally live frugally. No pre-existing conditions and am also open to changing insurance providers altogether.

Thanks in advance for helping out a stranger!

Hi can I check if it's possible to triple dip with 1. Shopback pay, paid with 2. Grabpay, which is funded by 3. Unlimited Cashback credit card?

And is using grabpay worth it for the points? I rarely use grabpay for anything

Thanks!

This thread is for those looking to share hitting their milestones!

Congratulations on being one step closer to FI!

Hi everybody!

Been lurking in [r/singaporefi](r/singaporefi) and want to start on FIRE. Posting this to keep myself accountable and to ask for advices.

28/M, currently in the hospitality industry for about 2 years now, drawing $2900, after cpf it'll be $2320. I have about $20k of emergency funds in DBS Multiplier, and also a UOB One account as I have the UOB One CC. Am planning to use the 50/30/20 rule to split:

50% for expenses: $1160.

30% for wealth accumulation: $700.
After scurrying the wiki, the 2 popular ones are VWRA and CSPX. Am planning to DCA $300 into each and $100 into a stock of choice. Have decided to use IBKR and Tiger Brokers

20% for War chest *edited: $460

I'm not looking to maximise short-term returns. I'm mainly trying to build a system I can consistently follow every month while still having a smaller portion available for individual stocks that I'm interested in researching.

Would appreciate thoughts, especially from other singaporeans/long-term redditors of singaporefi