HDB Loan or Investment

[Belg]

6-12 mths household income for emergency fund? so much meh?
i thought 6 to 12 mths household expenses?

like that, no need to invest liao.

Well, to each her own. e.g. one will not put a 50k renovation payment into the stock market to invest, knowing jolly well that this payment has to be made in 1 year time etc.

it is just a contingency sum in case of emergency. End of the day, I am suggesting not to withdraw investments in a short term, i.e. 1 - 2 years. As we know Mr Market acts like a voting machine in the short term while it is like weighing machine in the longer term.

Invest and prosper.

Emergency sum should be determined by the expense, rather by income, otherwise it might be overly allocated. It is a cost, and should be kept as low as appropriate and comfortable to each individual.

Ya lol!
When you reach the de-accumulation phase you will know you got only expenses and no income (not working for money anymore), you will know it's doubly hard to balance "your cash flow and income generating assets" to invest at the same time. In order not to be caught by surprises of the market or your daily livings.
Now, you (youngman) should know how to do better with still a lot of unspend HC.
When you reach de-accumulation phase you will know how hard it is to protect your nest eggs unless you have acumulated your $millions already.
Shalom.

Well said, Uncle Temp. From your experience, what would be your advice during accumulation (with lots of HC) and during de-accumulation? I am sure alot of us would want to have a good balance of both cashflow and also investment assets at the same time.

Invest and prosper.