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Step 1: Start an emergency fund. Save enough to cover six months¡¯ expenses. Keep this money in
a bank account where you can get to it immediately.
Step 2: Insure yourself. Get a hospital plan, and if you have people dependent on you, get term life
insurance for 20 years, with enough payout to cover five years of your income.
Step 3: Take the money and split it into two piles. Figure "110 minus your age" is the percentage
that will go into stocks, for capital growth and dividends; the rest goes into bonds, for income and
stability.
Step 4: Take the "stocks" pile and split it in half. Invest one half into an exchange-traded fund that
tracks Singaporean stocks; invest the other half into an exchange-traded fund that tracks global
stocks.£¨Ð¼ÓƵÄETFËæ±ãÑ¡G3B»òÕßES3¶¼¿ÉÒÔ£¬Çø±ð²»´ó;¹úÍâµÄETFÍƼöLSEµÄIWDA£©
Step 5: Take the "bonds" pile and invest it into an exchange-traded fund that tracks Singaporean
bonds.£¨±¾µØµÄABF£¬´ËÍ⣬CPFµÄ´¢ÐîÒ²ÓÐÀàËƹ¦ÄÜ£©
Step 6: Each month, invest a regular amount into those same exchange-traded funds; put it into
whichever fund you're short of. £¨STI ETF¿ÉÒÔ¿¼ÂDZ¾µØȯÉ̵Ķ¨Í¶·þÎñ½ÚÊ¡¾«Á¦£¬ÈçDBSµÄ invest saver, OCBCµÄBCIP£¬maybankµÄmonthly investment planÖ®Àà¡£¹úÍâETFµÄȯÉÌÑ¡Ôñ£¬×ʽðÉٵĻ°ÍƼöstandard chartered£¬×ʽð¶àµÄ»°ÍƼöinteractive brokers£©
Step 7: Twice a year, in May and November, rebalance your portfolio¡ªsell and buy the exchangetraded
funds to bring your portfolio back to the "110 minus your age" proportion.
Step 8: Go to the pub.
Step 1: Start an emergency fund. Save enough to cover six months¡¯ expenses. Keep this money in
a bank account where you can get to it immediately.
Step 2: Insure yourself. Get a hospital plan, and if you have people dependent on you, get term life
insurance for 20 years, with enough payout to cover five years of your income.
Step 3: Take the money and split it into two piles. Figure "110 minus your age" is the percentage
that will go into stocks, for capital growth and dividends; the rest goes into bonds, for income and
stability.
Step 4: Take the "stocks" pile and split it in half. Invest one half into an exchange-traded fund that
tracks Singaporean stocks; invest the other half into an exchange-traded fund that tracks global
stocks.£¨Ð¼ÓƵÄETFËæ±ãÑ¡G3B»òÕßES3¶¼¿ÉÒÔ£¬Çø±ð²»´ó;¹úÍâµÄETFÍƼöLSEµÄIWDA£©
Step 5: Take the "bonds" pile and invest it into an exchange-traded fund that tracks Singaporean
bonds.£¨±¾µØµÄABF£¬´ËÍ⣬CPFµÄ´¢ÐîÒ²ÓÐÀàËƹ¦ÄÜ£©
Step 6: Each month, invest a regular amount into those same exchange-traded funds; put it into
whichever fund you're short of. £¨STI ETF¿ÉÒÔ¿¼ÂDZ¾µØȯÉ̵Ķ¨Í¶·þÎñ½ÚÊ¡¾«Á¦£¬ÈçDBSµÄ invest saver, OCBCµÄBCIP£¬maybankµÄmonthly investment planÖ®Àà¡£¹úÍâETFµÄȯÉÌÑ¡Ôñ£¬×ʽðÉٵĻ°ÍƼöstandard chartered£¬×ʽð¶àµÄ»°ÍƼöinteractive brokers£©
Step 7: Twice a year, in May and November, rebalance your portfolio¡ªsell and buy the exchangetraded
funds to bring your portfolio back to the "110 minus your age" proportion.
Step 8: Go to the pub.