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Latest Forum Posts
Re: Retirement Funding Optimization
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I re-read some of the replies. Just to clarify, a very conservative asset allocation means the portfolio can only support a low withdrawal rate.
However, the converse isn't true. If the withdrawal rate is naturally low (relatively low spending), one can just stick with an aggressive asset allocation to hopefully grow the portfolio (in real terms).
At higher withdrawal rates, aggressive asset allocation will suffer (relatively speaking) if the bad returns happen upfront (one may still survive). But if the withdrawal rates are low enough, eventually the portfolio will recover and earn more.
You probably know all of this - I'm just clarifying based on some of the responses.
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I could never convince my parents to keep more than 10-20% in equities. They don’t see the point because they have more than enough and don’t want to put what they have at .....
Posted in General Discussions
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My daughter will go to a local school in India, she will go to 8th grade next year. Yes, the digital nomad visa is a good idea.
I just came back from a vacation to India and most people ask me why do I want to leave Singapore, it is difficult to explain to them. I tell them Singapore is a great place to live and work and raise a family. Then what is the reason I want to leave on my own accord?
I do quite a poor job in explaining my reasons but here they are:
1) No PR in Singapore, so it is just a matter of leaving now vs leaving in another 5, 10 or even 15 years. If the end goal is to leave Singapore, then I might as well do it now and look forward to something new.
2) The main reason I came to Singapore was for the geographical arbitrage, higher savings potential in Singapore, which I have made the most of. Continuing to live here I will save more money, but I am unlikely to spend it.
3) The 1st 5 years in Singapore were .....
Posted in General Discussions
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I just checked out Bangalore vs Lisbon cost of living in Numbeo
https://www.numbeo.com/cost-of-living/compare_cities.jsp?country1=Portugalandcity1=Lisbonandcountry2=Indiaandcity2=Bangalore
Salaries in Bangalore are similar to Lisbon, cost of living in Lisbon is double of Bangalore, lol.
I did lots of research on trying to move to Europe on their passive income/retirement visa. But then considering the fact that those visas wont let me work over there and ask me to shows tons of documents including like police clearance, apostile on my documents, I was like there is no way I am going through those hoops to again live like a foreigner in another country.
After living the expat life here in Singapore, I am done. Now I will go back to Bangalore and live like a local, speak the local language, eat the local food and then work freely without any .....
Posted in General Discussions
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This makes me wonder, where is the best place for my kids to earn good money without high tax or high cost of living… especially when they are first starting out? Taxes are usually not as big of a factor for fresh grads earning starting salaries.
A fresh grad in the U.S. at my employer is getting around $70k right now, and depending on contributions to tax advantaged accounts, taxes can be quite reasonable, even in a high tax state.
A fresh grad in Singapore at my employer is getting around S$5k right now, which is >30% less than their U.S. counterparts at the moment. Tax savings isn’t going to help, and cost of living is only manageable if you tick the right boxes and accept a modest lifestyle.
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The biggest differentiating factor between US and Singapore from the career/salary point of view, is the immigration. Singapore because of the way the immigration is, even though it is tightening, it is much more .....
Posted in General Discussions
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I just checked out Bangalore vs Lisbon cost of living in Numbeo
https://www.numbeo.com/cost-of-living/compare_cities.jsp?country1=Portugalandcity1=Lisbonandcountry2=Indiaandcity2=Bangalore
Salaries in Bangalore are similar to Lisbon, cost of living in Lisbon is double of Bangalore, lol.
I did lots of research on trying to move to Europe on their passive income/retirement visa. But then considering the fact that those visas wont let me work over there and ask me to shows tons of documents including like police clearance, apostile on my documents, I was like there is no way I am going through those hoops to again live like a foreigner in another country.
After living the expat life here in Singapore, I am done. Now I will go back to Bangalore and live like a local, speak the local language, eat the local food and then work freely without any restrictions.
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How would you school your kid there? I'd let her finish .....
Posted in General Discussions
