u/Chemical-Daikon732

Im interested in doing Onda coolwave for my face and calves for slimming. Any recommended clinics? And how much are they?

Curious to know how long they last and what are your experience? Are they safe? Any risks for looking haggard when old?

Thanks!

Hi everyone - appreciate for some guidance!

**Quick background:**
34F Singapore PR in tech, \~SG$17K gross monthly (incl CPF). Own a residential property (tenanted, rent covers mortgage, now \~SG$2.2M value).

**Lifestyle and spending**: not married, have a long term partner, planning to have kids in the future, no car. I do travel a lot, enjoy nice things and good food. I'm comfortable - but also I'm careful with money. I cook mostly and rarely eat out, and I mostly take public transport. Monthly salary wise I save about 30%.

**Current portfolio (\~SG$162K in Saxo):**

* VOO (45%)
* Lion-Phillip S-REIT (17%)
* iShares Defense ETF (13%)
* SPDR STI ETF (8%)
* TLT/ABF bonds (15%, winding down)

**Other assets:** SG$220K in RSUs, ESPP (15% salary monthly at 20% discount), SG$30K Stashaway (emergency), low CPF (maxing OA for mortgage and new PR status), SG$10K old stock, SG$65K pledge freeing on remortgage.

**Situation:** Remortgaging my property from 2.75% to 1.6% fixed (3yrs)—mortgage drops, freeing cash. Bank can loan me additional SG$300K (+SG$400/mth mortgage, doable). I now have about \~SG$600K liquid asset investable.

Now, here is what I’m thinking : I do want some extra cash that I can spend monthly, but also plan for long term wealth growth.

I thought about UK property (but high tax/hassle) and SG commercial (but equities perform better).

**Here's what I'm thinking about how to reposition my investment portfolio:**

* VOO: SG$250K (growth)
* Lion-Phillip S-REIT: SG$150K (SG income)
* Endowus Higher Income: SG$150K (monthly payout)
* Stashaway Simple+: SG$50K (buffer)

**Projection numbers:**

* Net monthly income year 1: \~SG$1,145 (post-fees, 30% US tax, borrow cost). So this is VOO at about SG$2,363/yr, Lion-Philip S REIT at SG$6900/yr, Endowus higher income at SG$7433/yr, and Stashaway simple plus at SG$1850 yr
* Year 1 portfolio grow to SG$630000
* Net monthly income year 2: \~SG$1,288
* Year 2 portfolio grow to SG$694K
* Net monthly income year 20: \~SG$2510
* Year 20 portfolio grow to SG$1.58M

**Questions:**

1. I’ve never remortgaged and leveraged the extra cash for investment before. I feel a bit nervous. Is this logical and sensible? Am I missing anything that I should be aware of?
2. Has anyone had experience with Endowus Higher Income portfolio for regular income? Wondering if anyone has real-world experience with actual payouts.
3. Any Singapore investors here who’ve navigated overseas property (UK or US) as an investment asset? Trying to understand if it’s worth the complexity vs just staying in financial assets.
4. Should I get into SRS? Seems like people have mixed feelings about this

Hi everyone - my first post here! Appreciate for some guidance!

Quick background:
34F Singapore PR in tech, ~SG$17K gross monthly (incl CPF). Own a residential property (tenanted, rent covers mortgage, now ~SG$2.2M value).

Lifestyle and spending: not married, have a long term partner, planning to have kids in the future, no car. I do travel a lot, enjoy nice things and good food. I'm comfortable - but also I'm careful with money. I cook mostly and rarely eat out, and I mostly take public transport. Monthly salary wise I save about 30%.

Current portfolio (~SG$162K in Saxo):

• VOO (45%)
• Lion-Phillip S-REIT (17%)
• iShares Defense ETF (13%)
• SPDR STI ETF (8%)
• TLT/ABF bonds (15%, winding down)

Other assets: SG$220K in RSUs, ESPP (15% salary monthly at 20% discount), SG$30K Stashaway (emergency), low CPF (maxing OA for mortgage and new PR status), SG$10K old stock, SG$65K pledge freeing on remortgage.

Situation: Remortgaging my property from 2.75% to 1.6% fixed (3yrs)—mortgage drops, freeing cash. Bank can loan me additional SG$300K (+SG$400/mth mortgage, doable). I now have about ~SG$600K liquid asset investable.

Now, here is what I’m thinking : I do want some extra cash that I can spend monthly, but also plan for long term wealth growth.

I thought about UK property (but high tax/hassle) and SG commercial (but equities perform better).

Here's what I'm thinking about how to reposition my investment portfolio:

• VOO: SG$250K (growth)
• Lion-Phillip S-REIT: SG$150K (SG income)
• Endowus Higher Income: SG$150K (monthly payout)
• Stashaway Simple+: SG$50K (buffer)

Projection numbers:

• Net monthly income year 1: ~SG$1,145 (post-fees, 30% US tax, borrow cost). So this is VOO at about SG$2,363/yr, Lion-Philip S REIT at SG$6900/yr, Endowus higher income at SG$7433/yr, and Stashaway simple plus at SG$1850 yr
• Year 1 portfolio grow to SG$630000
• Net monthly income year 2: ~SG$1,288
• Year 2 portfolio grow to SG$694K
• Net monthly income year 20: ~SG$2510
• Year 20 portfolio grow to SG$1.58M

Questions:

1. I’ve never remortgaged and leveraged the extra cash for investment before. I feel a bit nervous. Is this logical and sensible? Am I missing anything that I should be aware of?
2. Has anyone had experience with Endowus Higher Income portfolio for regular income? Wondering if anyone has real-world experience with actual payouts.
3. Any Singapore investors here who’ve navigated overseas property (UK or US) as an investment asset? Trying to understand if it’s worth the complexity vs just staying in financial assets.
4. Should I get into SRS? Seems like people have mixed feelings about this