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Saving up for a trip? ✈️
Here to share some tips I use to set aside money for my trips, but also not losing them to inflation!!
‼️Note: Not an expert!! Just sharing my mini know-hows for low-effort passive income 🤪
Btw, I do all of the below through DBS Bank (my main savings account) but I’m pretty sure it can be done through other banks too
✅ Invest in Singapore Government Securities!!
Useful Guides: MAS , Seedly , DBS
I usually allocate a small amount for all just because Idw to let my money sit in the bank + Idw to put all my eggs in 1 basket 🫣
1. Savings Bonds (SSB)
✨Interests are paid every 6 months - interest rates varies!
⏳Longer term investment of 10 years - you can exit earlier but the longer you hold, the higher interest rate you enjoy!
2. SGS Bonds
✨Interests are paid every 6 months - fixed rate!
⏳A few range of investment duration to choose from - can be a short/ long term depending on your preference!
3. Treasury Bills (T-bills) 💗💗💗
✨This is #MyGoTo investment currently because of the short investment duration (6 months/ 1 year) & min. investment amount is only $1000!!
✨Bonus: the interest rate for T-bills are quite high currently, with a latest cut-off yield of 3.98% 🤑
✨For instance, if I’m planning for a year end trip ✈️, I would set aside the budget for the trip and put it in a T-Bill. This way, I won’t be able to touch the money for the trip & will also get my money back just in time when the T-bill reaches its maturity date 🤣
✅ Invest in Unit Trusts
Instead of investing in individual stocks, unit trusts are a low-effort option for busy working adults like me who’s 1) not an expert 2) no time to monitor the performance of each stock!
✨ Diversify your portfolio by investing it in a pool of funds
✨3 main types to choose from, based on your risk appetite!
I also allocated some money for robo-investors + stocks but oh wells haven’t been doing well recently 📈 so I’d prefer Singapore government securities + unit trusts - lower risk lower returns but at least I don’t have to pay much attention to it & it’s not sitting in the bank earning 0.05% interest 🫢
I know there are also fixed deposits but I don’t really like them because of the high min. investment amount LOL