28-06-2012, 10:42 PM
I would not actually deem '4years' to be long.
hi shanrui_91,
Try to only invest $ that you don't need and can lose - With this, it takes away alot of emotions generated from the stress and constraints of the 4 year 'deadline'. One might do better w/o those additional emotional baggage in his/her investing journey.
But at the end of it all, it does sound like you have your parents to bail you out though.
just my 2 cents.
hi shanrui_91,
Try to only invest $ that you don't need and can lose - With this, it takes away alot of emotions generated from the stress and constraints of the 4 year 'deadline'. One might do better w/o those additional emotional baggage in his/her investing journey.
But at the end of it all, it does sound like you have your parents to bail you out though.
just my 2 cents.
(27-06-2012, 11:31 PM)karlmarx Wrote:(27-06-2012, 08:55 PM)shanrui_91 Wrote: Hi all, need some input on this matter
If someone were to provide you with a $36000 4 years interest free loan, what will you do with it? You can choose to repay in full amount before the 4 years are up and you will not have to pay any interest. However, if you fail to repay in full, you will be charged 4.75% interest rate annually.
Will you put it in fixed deposit (ICICI 1.55%) , retail bond (F&N 2.48%) or dividend stock(SPH 5-6%) or in any other proportion?
4 years is a pretty long time. I will go with one or two stocks to be owned over this period. Market risks are reduced over a long investment time horizon (and good stock picks). Furthermore, your busy school schedule should distract you sufficiently from touching your portfolio, and worse, worrying over it.