Thursday was supposed to be a good day. I decided to spend some more organising some finance matters. Putting some money to work, i.e., buying some investment. The interest rates in Singapore really sucks and I wanted to make some of the spare cash work harder but not buying more cryptos as of now. I'm starting a new job on Monday so may not have much time to monitor the investment. First, I went on to dollardex.com. I saw they have a model portfolio which I can invest in. I'm looking for some balanced in the portfolio.
根据通胜，星期四是吉日。我决定花点时间办些财务事情。让一些钱努力一点赚钱，即购买一些投资基金。新加坡的利率真的很烂，我想掏出些闲钱投资，但不是购买更多加密货币。我从星期一开始就会去新工作，所以可能没有太多的时间来整天检查投资结果。首先，我上了dollardex.com。我看到他们有一个模拟投资基金组合可以投资。我正在寻找在投资组合中有比较平衡的风险率。
🎶Meanwhile, some music for you to enjoy as you read. This piece is part of Vivaldi’s The Four Seasons, particular the first of the 4 violin concertos, called Spring.
🎶让大家继续读的时候，欣赏一点音乐。这件作品是维瓦尔第的“四季”的一部分 - 4小提琴协奏曲中的第一首，名为“春天”。Source | 来源: https://musopen.org/
https://soundcloud.com/alan-chang-563971986/four-concerti-grossi-4-vivaldi-op8-i-la-primavera-allegro-largo-allegro Source | 来源: https://musopen.org/music/2213/antonio-vivaldi/the-four-seasons/
If I invest with cash, this is how the classification will be.
如果我用现金投资，这是分类将会这样。
In the portfolio are more than 10 funds.
在投资组合中有超过10只基金。
I'm going to invest using SRS which result in a similiar classification...
我打算用SRS户口而不是现金而分类也差不多..
... but slightly different funds in the in portfolio.
...但是有不同的基金在投资组合里。
Looking at the information, it seems to have recovered from the days of the peak outbreak time. I just put in $1,000 and hope the 2nd wave doesn't kill the investments.
再看些信息，它似乎已经病毒爆发的高峰时的日子恢复了。我就买$1,000，希望第二波不会再杀来更多的投资风险。
Next stop was DBS bank where I learned they have a digiPortfolio.
下一站是星展银行在那里我发现他们有个digiPortfolio。
There are 4 options to choose.
有4个选项供选择。
They said they'll to the hard work for me. I hope they are right because there is a 0.75% fee per annum.
他们说，他们会为我辛勤。我希望他们是对的，因为有每年要付0.75％的手续费。
They tell it's 3 step simple but you need to have already answered their risk qualification questions or it will take longer.
他们告诉说是3步的简单，但你需要已经回答了他们的风险评估的问题就需要更长时间咯。
So, my risk level is Comfy Cruisin'. Sounds good to me.
我的风险水平是Comfy Cruisin'。听起来不错。
Here is the projected returns.
这里是预料回报。
Looks like it recover quite fast from the peak of the virus outbreak too.
它看起来也病毒爆发的高峰期恢复得相当快。
I went to look at the ETF that the global portfolio would include. For equities, there are 5 ETFs.
我去看看ETF的全球投资组合将包括啥。关于股票的有5个交易所买卖基金。
For fixed income, there are 3 ETFs and 5% is in cash.
关于固定收益，有3只ETF，5％保留为现金。
Looks like should be able to average 10% per year.
看起来应该能每年平均有10％的利润。
Yes, I'd pick this.
是的，就买人这个。
They had to make sure I answered the risk qualification questions. I had some USD in my bank account. That was one of the reason I chose this option.
他们必须确保我回答了风险评估问题。我在银行户口有些美元。这是我选择了这个选项的原因之一。
Yes, I agree. I'm already so far out already.
是的我同意。已经走到这么远了还回头吗？
Last chance to cancel but no thanks.
最后机会取消，但我没有。
Deal.
成交。
OK, that's how much I'm in for: 4,000 USD. Hope this is a good one.
OK，这就是我多少我在：4000美元。希望这是一个好的投资。
Please see my other posts:
请看我其他帖:
