I think all the fixed deposits

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MHh
06-18

I think all the fixed deposits rates offered by the banks are poor, so I wouldn’t choose any.

I allocate zero percentage of my portfolio to fixed deposits as the rates cannot beat inflation and they cannot beat the liquidity of cash in the bank. Liquidity is important to me so that I can buy stocks readily when there are dips.

A balanced portfolio would be dependent on one’s age and risk appetite. Personally, as I am still young, I put 80% in stocks and SREITS for the dividends, while the rest I hold as liquid cash.

Liquid cash is important to me as I am also looking for a property to invest in. When I find the suitable one, I would have to sell some of my stocks to buy that property. Hopefully, the rental will help with my retirement plans.

As we all know, property is expensive in Singapore. Once I get that property, I would likely be in 80% property, 10-15% in stock and SREITS, and the remainder as cash.

# SORA Keeps Falling: Which Bank to Choose for Fixed Deposit?

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breAkdaWn
·06-20
why only look at Singapore for property. look in NZ!! welcome!
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zippiee
·06-19
Smart strategy
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Liquidity is important to me so that I can buy stocks readily when there are dips. \n \n \n \nA balanced portfolio would be dependent on one’s age and risk appetite. Personally, as I am still young, I put 80% in stocks and SREITS for the dividends, while the rest I hold as liquid cash. \n \n \n \nLiquid cash is important to me as I am also looking for a property to invest in. When I find the suitable one, I would have to sell some of my stocks to buy that property. Hopefully, the rental will help with my retirement plans. \n \n \n \nAs we all know, property is expensive in Singapore. Once I get that property, I would likely be in 80% property, 10-15% in stock and SREITS, and the remainder as cash.</body></html>","htmlText":"<html><head></head><body>I think all the fixed deposits rates offered by the banks are poor, so I wouldn’t choose any. \n \n \n \nI allocate zero percentage of my portfolio to fixed deposits as the rates cannot beat inflation and they cannot beat the liquidity of cash in the bank. Liquidity is important to me so that I can buy stocks readily when there are dips. \n \n \n \nA balanced portfolio would be dependent on one’s age and risk appetite. Personally, as I am still young, I put 80% in stocks and SREITS for the dividends, while the rest I hold as liquid cash. \n \n \n \nLiquid cash is important to me as I am also looking for a property to invest in. When I find the suitable one, I would have to sell some of my stocks to buy that property. Hopefully, the rental will help with my retirement plans. \n \n \n \nAs we all know, property is expensive in Singapore. Once I get that property, I would likely be in 80% property, 10-15% in stock and SREITS, and the remainder as cash.</body></html>","text":"I think all the fixed deposits rates offered by the banks are poor, so I wouldn’t choose any. I allocate zero percentage of my portfolio to fixed deposits as the rates cannot beat inflation and they cannot beat the liquidity of cash in the bank. Liquidity is important to me so that I can buy stocks readily when there are dips. A balanced portfolio would be dependent on one’s age and risk appetite. Personally, as I am still young, I put 80% in stocks and SREITS for the dividends, while the rest I hold as liquid cash. Liquid cash is important to me as I am also looking for a property to invest in. When I find the suitable one, I would have to sell some of my stocks to buy that property. Hopefully, the rental will help with my retirement plans. As we all know, property is expensive in Singapore. 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