Saving or Investing 15% | MoneyOwl

Saving or Investing 15%

What, Why and How

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Example

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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.