Saving or Investing 15%

What, Why and How

Example

Rubrics_SavingInvesting15-29

Attention

Pre-conditions for investing:

  • You have an emergency fund.
  • Your debt servicing ratios are healthy.
  • You don’t have high-interest debt: otherwise, pay off debt first.
  • You have a suitable risk appetite.
  • You need to be able to stay invested in a suitable portfolio.

Top-ups to CPF SA are one-way/ irreversible, so be sure that you do not need the money.