
Good Investment Options for EP holders
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Good Investment Options for EP holders
Thank You for your kind attention. I need an investment advise. I am a bginner in investments. I totally understand that this is a broad question. I will try to be specific.
Context:
Say I have c.10K savings per month.
Expectations are:
1. Plan for child's education (until University) - two kids 1 year and 2.5 years - still some more time before they strat school
2. Plan for retirement at 55 or 60
3. Plan for parent's medical expenses (no insurance)
4. Plan for self medical expenses
5. Life insurance
6. Buy house in Singapore (applying for PR for the second time after 7 years of stay)...even if we get PR (for the family) it takes 3 years before I can own. HDB flat
Questions:
1. Advise a quality investment book or channel that I should refer to
2. Given I am in SG and a foriegner, what are my options? (I will assume I will get PR in 2 years from now)
Possible options of investment:
1. SG stocks vs. Indian stocks
2. Deposit in Indian banks - Indian interest rates are better than SG bank interest rates
3. Home in SG (3 to 5 years from now)
4. Crypto currency
5. Real Estate
6. Life Insurance
Context:
Say I have c.10K savings per month.
Expectations are:
1. Plan for child's education (until University) - two kids 1 year and 2.5 years - still some more time before they strat school
2. Plan for retirement at 55 or 60
3. Plan for parent's medical expenses (no insurance)
4. Plan for self medical expenses
5. Life insurance
6. Buy house in Singapore (applying for PR for the second time after 7 years of stay)...even if we get PR (for the family) it takes 3 years before I can own. HDB flat
Questions:
1. Advise a quality investment book or channel that I should refer to
2. Given I am in SG and a foriegner, what are my options? (I will assume I will get PR in 2 years from now)
Possible options of investment:
1. SG stocks vs. Indian stocks
2. Deposit in Indian banks - Indian interest rates are better than SG bank interest rates
3. Home in SG (3 to 5 years from now)
4. Crypto currency
5. Real Estate
6. Life Insurance
Re: Good Investment Options for EP holders
Go to money mind forum in hardware zone. You will find Shiny Things thread there. Thank me later 
I am also Indian EP holder working in SG since 9 years, I invest in global ETFs via interactive brokers. About 70% of my money is still in Indian NRE FDs. Rest is offshore. Singapore is the best country to keep your wealth as there is no capital gains tax. Singapore PR though, for an Indian is next to impossible.
Sent from my Redmi Note 4 using Tapatalk

I am also Indian EP holder working in SG since 9 years, I invest in global ETFs via interactive brokers. About 70% of my money is still in Indian NRE FDs. Rest is offshore. Singapore is the best country to keep your wealth as there is no capital gains tax. Singapore PR though, for an Indian is next to impossible.
Sent from my Redmi Note 4 using Tapatalk
Re: Good Investment Options for EP holders
Wd40 wrote:Go to money mind forum in hardware zone. You will find Shiny Things thread there. Thank me later
I am also Indian EP holder working in SG since 9 years, I invest in global ETFs via interactive brokers. About 70% of my money is still in Indian NRE FDs. Rest is offshore. Singapore is the best country to keep your wealth as there is no capital gains tax. Singapore PR though, for an Indian is next to impossible.
Sent from my Redmi Note 4 using Tapatalk
I would add that SRS is in effect an excellent savings tool for an EP holder (in the long term).
IANAL. IANACPA. IANA Teacher.
Arrested? Lawyer Up
International School job? School website or http://www.ISS.edu
School advice? Avoid for profit schools
Tax advice? CPA
Pay me $5k for 100% success filling in PR form!
Arrested? Lawyer Up
International School job? School website or http://www.ISS.edu
School advice? Avoid for profit schools
Tax advice? CPA
Pay me $5k for 100% success filling in PR form!
- singaporeflyer
- Editor
- Posts: 1426
- Joined: Mon, 17 Aug 2009
Re: Good Investment Options for EP holders
Wd40 wrote:Go to money mind forum in hardware zone. You will find Shiny Things thread there. Thank me later
I am also Indian EP holder working in SG since 9 years, I invest in global ETFs via interactive brokers. About 70% of my money is still in Indian NRE FDs. Rest is offshore. Singapore is the best country to keep your wealth as there is no capital gains tax. Singapore PR though, for an Indian is next to impossible.
Sent from my Redmi Note 4 using Tapatalk
Hi WD40,
Are u referring to this?
https://forums.hardwarezone.com.sg/stoc ... ndices-92/
OR
https://forums.hardwarezone.com.sg/money-mind-210/
Which one?
Re: Good Investment Options for EP holders
singaporeflyer wrote:Wd40 wrote:Go to money mind forum in hardware zone. You will find Shiny Things thread there. Thank me later
I am also Indian EP holder working in SG since 9 years, I invest in global ETFs via interactive brokers. About 70% of my money is still in Indian NRE FDs. Rest is offshore. Singapore is the best country to keep your wealth as there is no capital gains tax. Singapore PR though, for an Indian is next to impossible.
Sent from my Redmi Note 4 using Tapatalk
Hi WD40,
Are u referring to this?
https://forums.hardwarezone.com.sg/stoc ... ndices-92/
OR
https://forums.hardwarezone.com.sg/money-mind-210/
Which one?
The latter one, in that there is a thread, called official Shiny Things thread. It is a gold mine of knowledge of investments.
Sent from my Redmi Note 4 using Tapatalk
- singaporeflyer
- Editor
- Posts: 1426
- Joined: Mon, 17 Aug 2009
Re: Good Investment Options for EP holders
Wd40 wrote:singaporeflyer wrote:Wd40 wrote:Go to money mind forum in hardware zone. You will find Shiny Things thread there. Thank me later
I am also Indian EP holder working in SG since 9 years, I invest in global ETFs via interactive brokers. About 70% of my money is still in Indian NRE FDs. Rest is offshore. Singapore is the best country to keep your wealth as there is no capital gains tax. Singapore PR though, for an Indian is next to impossible.
Sent from my Redmi Note 4 using Tapatalk
Hi WD40,
Are u referring to this?
https://forums.hardwarezone.com.sg/stoc ... ndices-92/
OR
https://forums.hardwarezone.com.sg/money-mind-210/
Which one?
The latter one, in that there is a thread, called official Shiny Things thread. It is a gold mine of knowledge of investments.
Sent from my Redmi Note 4 using Tapatalk
Thanks WD40
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- Newbie
- Posts: 13
- Joined: Sun, 23 Apr 2017
Re: Good Investment Options for EP holders
Wd40 wrote:Go to money mind forum in hardware zone. You will find Shiny Things thread there. Thank me later
Singapore PR though, for an Indian is next to impossible.
Sent from my Redmi Note 4 using Tapatalk
1.Singapore PR though, for an Indian is next to impossible. that's not true..it depends on your job sector.
2. I wouldn't introduce myself as an Indian in that forum if I were you

Re: Good Investment Options for EP holders
I have introduced myself as an Indian and I am a regular there now, that this forum is dead. No problems. The money mind forum is exactly opposite of the Edmw forum. Edmw is the 30% and money mind is 70%.emergency234 wrote:Wd40 wrote:Go to money mind forum in hardware zone. You will find Shiny Things thread there. Thank me later
Singapore PR though, for an Indian is next to impossible.
Sent from my Redmi Note 4 using Tapatalk
1.Singapore PR though, for an Indian is next to impossible. that's not true..it depends on your job sector.
2. I wouldn't introduce myself as an Indian in that forum if I were you.

Sent from my Redmi Note 4 using Tapatalk
-
- Newbie
- Posts: 13
- Joined: Sun, 23 Apr 2017
Re: Good Investment Options for EP holders
Wd40 wrote:I have introduced myself as an Indian and I am a regular there now, that this forum is dead. No problems. The money mind forum is exactly opposite of the Edmw forum. Edmw is the 30% and money mind is 70%.emergency234 wrote:Wd40 wrote:Go to money mind forum in hardware zone. You will find Shiny Things thread there. Thank me later
Singapore PR though, for an Indian is next to impossible.
Sent from my Redmi Note 4 using Tapatalk
1.Singapore PR though, for an Indian is next to impossible. that's not true..it depends on your job sector.
2. I wouldn't introduce myself as an Indian in that forum if I were you.
Sent from my Redmi Note 4 using Tapatalk
haha.will have a look through the forum.
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