新的里程牌
记得还在不久前才纪录到个人总资产已经超过200千,如今相隔1年又7个月,第三个100千也顺利达标了。和以往一样,大部分资金都是靠每月储蓄慢慢累积起来的,最大原因还是因为这两年收到的花红都非常不错,因此加速了累积财富的过程。对于这样的表现,心里当然还是很得意的,但是其实也没值得太骄傲,因为投资回报的贡献比例依然不高。
下一个要抵达第四个100千所需的时间估计会比较久,因为接下来就要准备进行人生的终身大事 - 拥有个人的首间房屋啦。当然我还是单身,买房不是为了结婚,只是到了这个年纪,也许是时候买下属于自己的屋子了。此外,也考量到买房产也可以当作对抗通膨的长期投资策略。至于个人的贷款负担能力,目前还有车贷还没供完,估计需要两年多才会还请,如果再加上房贷的话,个人的资产累积速度将会大幅度放缓,因此在开销、储蓄、投资的资金配置方面需要更加谨慎处理。正好日前政府才刚刚宣布,允许公积金局会员领取最后一次的特别提款,我打算申请拿出一万令吉来作为部分的买房头期款,然后就不再动公积金的钱了,毕竟公积金的派息率都很好,而且以后我退休后的生活费就是要靠它过日子了。
就如上文所说的,虽然手上现金比以前更加充裕,不过更多是当作短期的应急资金备用,同时也准备一些资金来作为长期投资的银弹。也许累积财富就是这么一回事吧,长期保持注意力并耐心等候回报,才能如期地完成目标吧~~
http://investalone.blogspot.com/2022/03/blog-post.html
Singapore Investment
-
-
-
-
-
-
-
-
-
-
The History of CapitaLand7 hours ago
-
-
-
CapitaLand Integrated Commercial Trust8 hours ago
-
-
-
-
-
-
-
-
-
-
What do I fear?1 day ago
-
-
-
-
-
-
-
-
-
-
-
-
CICT 1Q2024 Business Updates2 days ago
-
-
-
-
-
-
Keyboarding Warriors4 days ago
-
-
-
-
Cory Diary : Portfolio updates4 days ago
-
-
-
Weekly Markets Outlook5 days ago
-
-
-
Portfolio Update6 days ago
-
-
-
-
-
-
-
-
Buying a home for face1 week ago
-
-
-
-
-
Finance Investment Movement 441 week ago
-
-
Market indeed coming down1 week ago
-
-
-
-
-
-
Banks and Miles Report – Mar 20242 weeks ago
-
Revisiting Bitcoin2 weeks ago
-
-
-
-
2024 (Portfolio Update)3 weeks ago
-
-
-
Retirement Journey Update for March 20243 weeks ago
-
-
-
1Q 2024 Investment Strategy Update3 weeks ago
-
-
Portfolio Summary for March 20243 weeks ago
-
-
-
Portfolio (March 30, 2024)4 weeks ago
-
-
-
QAF #77 - 2023 Annual Report4 weeks ago
-
Lentor Hills Residences4 weeks ago
-
Burnt out!4 weeks ago
-
-
-
Feb 2024 Expenditure4 weeks ago
-
-
Starting Our Second Property Cycle5 weeks ago
-
-
-
-
-
-
-
Feb 2024 Portfolio1 month ago
-
-
Summary of February 20241 month ago
-
The Market Is A Scam!1 month ago
-
-
-
-
-
-
-
-
-
Options Trading Journal Jan 20242 months ago
-
-
-
-
-
-
-
End of 2023 Review3 months ago
-
-
Year 2023 DIYQuant Portfolio Performance Report3 months ago
-
Monthly Summary of November 20234 months ago
-
3 Simple Poker Strategies for Beginners4 months ago
-
Migration of website5 months ago
-
-
Abandon REITS?5 months ago
-
-
-
-
-
-
-
-
-
August 2023 Portfolio Updates7 months ago
-
-
-
-
Hello SP Group, I'm Back!9 months ago
-
-
-
-
A New Light11 months ago
-
-
-
-
-
-
-
Demoralized1 year ago
-
2022 Thoughts, Hello 2023!1 year ago
-
Series of Defaults for Maple Finance1 year ago
-
Takeaways from “Sea Change”1 year ago
-
-
Greed is Coming Back1 year ago
-
-
-
-
-
-
-
-
-
-
-
What is Overemployment1 year ago
-
-
-
-
-
-
-
-
-
-
-