Page 1 of 4 1234 LastLast
Results 1 to 30 of 93

Thread: What would you do with sgd$6million ?

  1. #1
    Join Date
    Jun 2008
    Posts
    1,569

    Default What would you do with sgd$6million ?

    Hypothetical question :-
    What would you do with SGD$6million for investment purpose and how would you structure the portfolio?

    Thanks!

  2. #2
    Join Date
    Nov 2008
    Posts
    1,393

    Default

    $6m in precious metals: 70% Gold, 30% Silver
    100% in physical bullion

  3. #3
    Join Date
    Mar 2009
    Posts
    235

    Default

    Quote Originally Posted by gfoo
    $6m in precious metals: 70% Gold, 30% Silver
    100% in physical bullion
    Haiz.. you beat me to the reply haha.. my ratio a bit different:
    30% Gold, 10% Silver, 10% Equities, 50% CASH for spending and retirement money

  4. #4
    Join Date
    May 2007
    Posts
    399

    Default

    Quote Originally Posted by focus
    Hypothetical question :-
    What would you do with SGD$6million for investment purpose and how would you structure the portfolio?

    Thanks!
    I will leverage it and buy 10 million worth of properties.

  5. #5
    Join Date
    Jan 2009
    Posts
    566

    Default

    Quote Originally Posted by nav14
    I will leverage it and buy 10 million worth of properties.
    Yes, overseas properties in Australia, US and UK, but not asia, and definitely not Singapore.

    In addition to precious metals, I suggest commodities, equities and risky foreign curriencies as well.

  6. #6
    Join Date
    Dec 2008
    Posts
    3,721

    Default

    put everything in CPF, cos every month see statement will be very happy according to some sia suay minister



  7. #7
    Join Date
    Jun 2008
    Posts
    1,646

    Default

    120KG of GOLD

    Quote Originally Posted by gfoo
    $6m in precious metals: 70% Gold, 30% Silver
    100% in physical bullion

  8. #8
    Join Date
    Jun 2008
    Posts
    1,569

    Default

    Quote Originally Posted by august
    put everything in CPF, cos every month see statement will be very happy according to some sia suay minister


    Ok.. I think your suggestion is the dumbest of them all! :P Even if it's meant to be sarcastic..

    Put everything into CPF so that govt can control how much you spent? and worse.. now is after 65yrs old.. u are only allowed to draw out 50% max right? ..And at 65yrs old somemore...

    I have minimal CPF savings and I would like to leave it at that

  9. #9
    Join Date
    Jun 2008
    Posts
    1,569

    Default

    All here are Gold Bugs ... only 1 suggested property in a property forum.. haha..

    I've also been thinking of buying properties but Singapore properties too expensive and rental yield not good. So now, I temporarily park everything in equities and bonds .. and hopefully can shift out to properties when it becomes cheaper. Just my opinion.

    So my gameplan is everytime I hit $400k profit, I will take out the profit and put downpayment of 30% for a property and loan the rest. So my portfolio will ultimately shift to become only properties with no equities and bonds.

  10. #10
    xebay11 is offline New Launch Project Specialist
    Join Date
    Aug 2009
    Posts
    1,439

    Default

    Quote Originally Posted by nav14
    I will leverage it and buy 10 million worth of properties.
    You will need to be very young and have enough income for the banks to loan you the remaining $4m.

  11. #11
    xebay11 is offline New Launch Project Specialist
    Join Date
    Aug 2009
    Posts
    1,439

    Default

    Quote Originally Posted by focus
    So now, I temporarily park everything in equities and bonds .. and hopefully can shift out to properties when it becomes cheaper. Just my opinion.
    How much do you park in in equities and bonds to yield $400k?

  12. #12
    Join Date
    Sep 2009
    Posts
    162

    Default

    hi focus,

    depends on the risk profile and age group...

    risk profile:
    ========
    if low risk profile (i.e. cannot sleep if lose a bit of capital moneies), just expose 10-30% to equities and properties... the rest put in bonds / money market, low risk of losing the capital, but high risk of becoming smaller in value due to inflation....

    if med risk, then 50-50%.

    if high risk, then 70-30%.


    age group:
    ========
    30-40s: suggest to be in high risk group, coz time horizon allows some risk to get to age group of > 70

    40-50s: med risk group, coz not many up-down economic cycles left in time horizon to get to age group of > 70

    50-60s: low risk, dun wan to lose capital at this point, to get to age group of > 70

    60-70s: super low risk, to get to age group of > 70

    > 70 onwards: leave 1 mil to kids, then plan how to spend the 5mil, including to charity, etc etc...


    juz my tots...

    have fun,
    fc

  13. #13
    Join Date
    Dec 2008
    Posts
    379

    Default

    move to australia(western).

  14. #14
    Reporter's Avatar
    Reporter is offline F01 N54 Sheer Driving Pleasure
    Join Date
    Apr 2008
    Posts
    2,549

    Default

    Quote Originally Posted by polarinda
    move to australia(western).
    Do you need S$6M to migrate to Australia?

    If you are keen to do so, you can do so anything.

  15. #15
    Join Date
    Jun 2008
    Posts
    1,569

    Default

    Quote Originally Posted by xebay11
    How much do you park in in equities and bonds to yield $400k?
    The hypothetical amount..

  16. #16
    Join Date
    Nov 2008
    Posts
    1,141

    Default

    not enough to buy ardmore park

  17. #17
    Join Date
    Jun 2008
    Posts
    1,569

    Default

    Quote Originally Posted by Property_Owner
    not enough to buy ardmore park
    What to do.. I not at your level yet..
    so have to think of ways to optimise the money
    Who doesn't want to buy sentosa cove or ardmore if got the money.. sob sob sob

    That's why need to come here to listen to how you guys structure your investment portfolio to learn more.. learn from the best.

  18. #18
    Join Date
    Nov 2008
    Posts
    1,393

    Default

    Quote Originally Posted by focus
    What to do.. I not at your level yet..
    so have to think of ways to optimise the money
    Who doesn't want to buy sentosa cove or ardmore if got the money.. sob sob sob

    That's why need to come here to listen to how you guys structure your investment portfolio to learn more.. learn from the best.
    then cannot follow me. i crazy one as i'm too poor

    60% cash, 30% gold, 10% silver

    i count property as a liability, not an asset.

  19. #19
    Join Date
    Jun 2008
    Posts
    1,569

    Default

    Quote Originally Posted by gfoo
    then cannot follow me. i crazy one as i'm too poor

    60% cash, 30% gold, 10% silver

    i count property as a liability, not an asset.
    Don't worry. I'm not following you!
    I'm just gathering information on how property investors allocate their capital.

    Always good to have an open mind and shorten the learning curve.

  20. #20
    Join Date
    Jul 2008
    Posts
    804

    Default

    80% equities (index funds and asian focused stocks weighted on the banking and transport sector); 20% in SGP bonds and precious metals.

    The dividends arising from the equities: to fund my properties.

  21. #21
    Join Date
    Jul 2008
    Posts
    804

    Default

    Quote Originally Posted by focus
    All here are Gold Bugs ... only 1 suggested property in a property forum.. haha..

    I've also been thinking of buying properties but Singapore properties too expensive and rental yield not good. So now, I temporarily park everything in equities and bonds .. and hopefully can shift out to properties when it becomes cheaper. Just my opinion.

    So my gameplan is everytime I hit $400k profit, I will take out the profit and put downpayment of 30% for a property and loan the rest. So my portfolio will ultimately shift to become only properties with no equities and bonds.
    if u talk about yield (strictly in terms of rental income and NOT capital gains), property sucks. u need a balanced portfolio, and the portfolio cannot be consisting solely of properties.

    even IF one manages to lease out all properties at the same time, the yield is at best 2-3%; after deducting property taxes, maintenance charges, upkeep of rental property, agent fees, and the income tax component on rental income. investment to me is all about managed risk and yield. my 2 cents.

  22. #22
    Reporter's Avatar
    Reporter is offline F01 N54 Sheer Driving Pleasure
    Join Date
    Apr 2008
    Posts
    2,549

    Default

    Quote Originally Posted by new2mondrian
    if u talk about yield (strictly in terms of rental income and NOT capital gains), property sucks. u need a balanced portfolio, and the portfolio cannot be consisting solely of properties.

    even IF one manages to lease out all properties at the same time, the yield is at best 2-3%; after deducting property taxes, maintenance charges, upkeep of rental property, agent fees, and the income tax component on rental income. investment to me is all about managed risk and yield. my 2 cents.
    Gold/Metal is worse than property and shares. Property has rental while shares has dividends. Gold/metal has 0% yield or even negative yield.

  23. #23
    Join Date
    Jul 2008
    Posts
    804

    Default

    Quote Originally Posted by Reporter
    Gold/Metal is worse than property and shares. Property has rental while shares has dividends. Gold/metal has 0% yield or even negative yield.
    totally agree. gold/metal should be part of risk management strategy and never about yield. that's why I was amazed to see so many goldbugs here.

  24. #24
    Join Date
    May 2007
    Posts
    399

    Default

    Quote Originally Posted by xebay11
    You will need to be very young and have enough income for the banks to loan you the remaining $4m.
    If you fully pay up 5 million worth of properties - should be able to get around 50-60% mortagage based on these fully paid properties held as collateral even without a very high income and there is another 1 million left to be paid a deposit for the remaining purchases. So total value of 9 million might be possible without being a big earner or too young

  25. #25
    Join Date
    May 2007
    Posts
    399

    Default

    Quote Originally Posted by new2mondrian
    if u talk about yield (strictly in terms of rental income and NOT capital gains), property sucks. u need a balanced portfolio, and the portfolio cannot be consisting solely of properties.

    even IF one manages to lease out all properties at the same time, the yield is at best 2-3%; after deducting property taxes, maintenance charges, upkeep of rental property, agent fees, and the income tax component on rental income. investment to me is all about managed risk and yield. my 2 cents.
    Gold has only started moving recently after a super long hibernation and it may go into another long hibernation in time to come. IT has been proven that only 5-10% of investors will make money in stocks in the very long term and that too you need to be very savvy or have lots of luck. So the safest and best investment which may be the least exciting but with reasonable long term returns is property. Many Singaporeans and people all over the world became rich through property and not through stocks, gold, silver or other investments.

  26. #26
    Join Date
    Jun 2008
    Posts
    1,569

    Default

    Quote Originally Posted by new2mondrian
    if u talk about yield (strictly in terms of rental income and NOT capital gains), property sucks. u need a balanced portfolio, and the portfolio cannot be consisting solely of properties.

    even IF one manages to lease out all properties at the same time, the yield is at best 2-3%; after deducting property taxes, maintenance charges, upkeep of rental property, agent fees, and the income tax component on rental income. investment to me is all about managed risk and yield. my 2 cents.
    Wow! You are an agrressive equities person! 80% of investment portfolio in equities alone. But like you say.. managed risk..

    Yes, I was saying rental yields here are low and thus, properties is expensive. But I buy properties for capital gain, the rental is to sustain the installment only. Though I would opt for new launches so I can have the opportunity to exit before TOP to compound the money.

    Hope to become like property_owner.. looking at the number of properties he have thru the forum threads.. think he is damn rich and savvy property investor. Imagine owning a Ardmore Park apartment and then got MBR unit as well.. easily worth >$10mil.

  27. #27
    Join Date
    Jun 2008
    Posts
    1,569

    Default

    Quote Originally Posted by nav14
    If you fully pay up 5 million worth of properties - should be able to get around 50-60% mortagage based on these fully paid properties held as collateral even without a very high income and there is another 1 million left to be paid a deposit for the remaining purchases. So total value of 9 million might be possible without being a big earner or too young
    Hmm... how come I never think of that!

    It's actually quite safe to leverage this way ..
    The loan amount can be financied by the rental from the financied properties.. in the event that rental not enough to cover, can use the cashflow from the fully paid up properties to finance the loan.

  28. #28
    Join Date
    May 2007
    Posts
    399

    Default

    Quote Originally Posted by focus
    All here are Gold Bugs ... only 1 suggested property in a property forum.. haha..

    I've also been thinking of buying properties but Singapore properties too expensive and rental yield not good. So now, I temporarily park everything in equities and bonds .. and hopefully can shift out to properties when it becomes cheaper. Just my opinion.

    So my gameplan is everytime I hit $400k profit, I will take out the profit and put downpayment of 30% for a property and loan the rest. So my portfolio will ultimately shift to become only properties with no equities and bonds.
    That is provided it is easy to make money in equities. My 25 yrs experience has proven stock investments to be one big merry go round. Lose , win, lose, win and in the end back to square one. All excitement but no profit at the end of it. By the time property prices come down to a level attractive to you, you might be stuck with depressed equities. When stock values recover, property values would have shot up as well. The ideal is perfect exit and entry into such investments but this hardly happens and ideals will remain ideals.

  29. #29
    Join Date
    Jul 2008
    Posts
    139

    Default

    I will buy 4 properties cost 1 mil each, rental abt $3.5k each but -$350each for maintainance fee. so all in total about $12-$13k per month. quite decent income. $600k for shares and $400k for bonds and I still have 1 mil in my bank account.

  30. #30
    Join Date
    Nov 2008
    Posts
    1,141

    Default

    Quote Originally Posted by nav14
    Gold has only started moving recently after a super long hibernation and it may go into another long hibernation in time to come. IT has been proven that only 5-10% of investors will make money in stocks in the very long term and that too you need to be very savvy or have lots of luck. So the safest and best investment which may be the least exciting but with reasonable long term returns is property. Many Singaporeans and people all over the world became rich through property and not through stocks, gold, silver or other investments.

    Property is about holding power.

Posting Permissions

  • You may not post new threads
  • You may not post replies
  • You may not post attachments
  • You may not edit your posts
  •