感觉消费还好,EP? cpf rate only 16%. compare to PR 33% cpf.
感觉消费还好, 看起来消费率很低, 不过3000的消费对于这里的大部分人来说已经是蛮高了.
well, i think u should do some investment, construct a portfolio. diversify the risk if your asset is reasonably large. and, 如果你的工作和股票市场密切相关, 就不要放太多在股票上.
additional point
i guess why u keep the high saving ratio might becz the risky characteristics of your job. that's make your personal financial investment even more important. if now u have 1M sgd asset and be able to achieve 8% retn, that's 80,000 income already. the calculation is not difficult. this will ensure you will have additional income besides your salary.
just my two cents.
just my two cents.
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