CPF Interest @ 2.5%, Inflation @ 6.7%
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Originally posted by maurizio13:
What's the point of telling me "show me the money"? Your understanding of investments from some movies?If you are interested, invest $3 million with me for 20 years. Give me your lawyer's contact? I will get the lawyers to draft a contract with a reputable bank guaranteeing you the 3% interest and capital risk free. 3% interest is substantially higher than your 2.5% risk free you are getting from CPF Board. But whatever profits that is above 3% is mine and you have no claim to it. Do you have the guts to put your money where your mouth is? Or are you just talking crap?
Honestly I dont know WTF are you talking about here. So far you only show us that you dont just lack knowledge in investment, but also common sense in doing business.a) You dont challenge your customer/investor if he has guts to flush his money down the drain by giving it to a fools like you.
b) Your customer must know your credential, products and the price must negotiated and agreed upon before we talk about lawyers and contacts. Not the other way round.
c) Why do we need a bank? Are you trying to sell 50cents from the bank for $1?
d) What is your company's pay up capital and investment track record?
f) What financial backing or insurance do you have to gurantee that your investment is RISK FREE?
g) Who in the world would be so stupid to sink $3m into an investment for a period of TWENTY FREAKING YEARS?
I am not sure who is talking crab in this forum..:D
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Originally posted by Love Supreme:
Honestly I dont know WTF are you talking about here. So far you only show us that you dont just lack knowledge in investment, but also common sense in doing business.a) You dont challenge your customer/investor if he has guts to flush his money down the drain by giving it to a fools like you.
b) Your customer must know your credential, products and the price must negotiated and agreed upon because we talk about lawyers and contacts. Not the other way round.
c) Why do we need a bank? Are you trying to sell 50cents from the bank for $1?
d) What is your company's pay up capital and investment track record?
f) What financial backing or insurance do you have to gurantee that your investment is RISK FREE?
g) Who in the world would be so stupid to sink $3m into an investment for a period of TWENTY FREAKING YEARS?
I am not sure who is talking crab in this forum..:D
Can you respond to the points I responded instead of going off topic again?Like what the oxford moron always say, the truth hurts.
You can't handle the truth.
So now I must divulge all my personal information to you?
Isn't your CPF at least 45 years investment. Moreover I guarantee you more interest than your CPF, risk free with bank as guarantor.
Bank and a legal contract to guarantee your capital and interest. You also no balls to take up the challenge.
You are beginning to sound more like Gazelle.
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Originally posted by maurizio13:
Can you respond to the points I responded instead of going off topic again?Like what the oxford moron always say, the truth hurts.
You can't handle the truth.
So now I must divulge all my personal information to you?
Isn't your CPF at least 45 years investment. Moreover I guarantee you more interest than your CPF, risk free with bank as guarantor.
Bank and a legal contract to guarantee your capital and interest. You also no balls to take up the challenge.
You are beginning to sound more like Gazelle.
CPF is not an investment, it is a force saving plan started by our government. Our CPF money is back up by Singapore government, not public listed company) which manages over US$300 billions of asset and that is why they are as good as risk free.
As for you, you are just a forumer, only capable of big talking and impressing kids in this forum, and you are asking others to put in $30m with you for twenty years and call it risk free?
I do have balls, but the only other problem is I have a brain too.
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Originally posted by eagle:
with 250k, I know of a bond of almost neglible risks giving a minimum of 5.28% if you hold it for 5 years to maturity because it has also capital protection.
This is bearing in mind that 5.28% is still rather low... With 2 billion, I would even consider snapping up a few 1.4 million sgd 2nd hand terrace houses at certain areas and renting them out at around 5k a month. The options are many many...
where to buy that bond which gives minimum of 5.28% if you hold
it for 5 years to maturity because it has also capital protection
I'm seriously looking for 1 to invest
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Originally posted by Love Supreme:
CPF is not an investment, it is a force saving plan started by our government. Our CPF money is back up by Singapore government, not public listed company) which manages over US$300 billions of asset and that is why they are as good as risk free.
As for you, you are just a forumer, only capable of big talking and impressing kids in this forum, and you are asking others to put in $30m with you for twenty years and call it risk free?
I do have balls, but the only other problem is I have a brain too.
I thought CPF is planning to pay 3.5% interest to member but how come still decided to pay 2.5% only. Malaysian EPF pay 5% interest to its member. -
Originally posted by Love Supreme:
CPF is not an investment, it is an force saving plan started by our government. Our CPF money is back up by Singapore government, not public listed company) which manages over US$300 billions of asset and that is why they are as good as risk free.
As for you, you are just a forumer, only capable of big talking and impressing kids in this forum, and you are asking others to put in $30m with you for twenty years and call it risk free?
I do have balls, but the only other problem is I have a brain too.
First you question me all those points, I answered you about your misunderstanding about how inflation moves with real estate.Then now you throw a slew of irrelevant questions.
Dodo!!!
The government doesn't need to have US$300 billions (according to you) assets to pay your CPF money. The government can always ask MAS avail more money to them, that's why it's risk free. You mean if the government doesn't have US$300 billions, they cannot pay you all the CPF money? Risk free doesn't equate to inflation free dodo.
You got memory problems, either that or inflation is so high that the initial $3 million has grown to $30 million. If you don't have money, then don't talk big. You need at least $1 million to open a private banking account to invest. Obviously you don't have the money, so you can't show me the money. So you should just zip your mouth instead of making yourself to be a fool.
What about the point you raise about inflation being linked to real estates? Were you wrong? It takes a real man to acknowledge his mistakes, while a pussy will just hide under a skirt.
Maybe those folks at NUS were wrong in their research, they should have consulted you, the person who knows everything. -
Originally posted by maurizio13:
First you question me all those points, I answered you about your misunderstanding about how inflation moves with real estate.Then now you throw a slew of irrelevant questions.
Dodo!!!
The government doesn't need to have US$300 billions (according to you) assets to pay your CPF money. The government can always ask MAS avail more money to them, that's why it's risk free. You mean if the government doesn't have US$300 billions, they cannot pay you all the CPF money? Risk free doesn't equate to inflation free dodo.
You got memory problems, either that or inflation is so high that the initial $3 million has grown to $30 million. If you don't have money, then don't talk big. You need at least $1 million to open a private banking account to invest. Obviously you don't have the money, so you can't show me the money. So you should just zip your mouth instead of making yourself to be a fool.
What about the point you raise about inflation being linked to real estates? Were you wrong? It takes a real man to acknowledge his mistakes, while a pussy will just hide under a skirt.
Maybe those folks at NUS were wrong in their research, they should have consulted you, the person who knows everything.I am getting a bit confuse now, when did I ever ask you for your opinion about property? I thought i was talking posting my comment to Eagle? Unless you are telling me that both Eagle and Maurizio are infact the same person? possible?
As for your explaination about property, I almost fell off the chair when I read your comment. Hahaha..you are really an idiot!!!
Originally posted by maurizio13:
The second element is inflation, the property you bought for $1,400,000 with an inflation of 6.7% a year, would have been priced at $1,493,800 at the end of 1 year. -
Originally posted by Love Supreme:
I am getting a bit confuse now, when did I ever ask you for your opinion about property? I thought i was talking posting my comment to Eagle? Unless you are telling me that both Eagle and Maurizio are infact the same person? possible?
As for your explaination about property, I almost fell off the chair when I read your comment. Hahaha..you are really an idiot!!!
The points 2 and 3 relate to my previous post, so I answered it. Whereas point 1 relates to eagle's purchase of some investment.
So I guess those researchers at NUS were wrong.You are correct.
Happy?
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Both Eagle and Maurizio are saying that investing in property will help you to hedge against inflation. And they both seems to agree that, if you buy a 1.4m property today and if the inflation is 6.7%, by next year, the property will be valued at $1.4m x 106.7% = $1.4938m
Hahahaha...
a) Price of Singapore private property down by 2.1% in April 2008.
http://idealresidence.wordpress.com/2008/05/13/luxury-home-prices-down-21-says-report/
b) Analyst is predicting that luxury property prices in Singapore could fall 32% by 2010.
http://singaporepropertyfrontiers.com/2008/03/27/luxury-home-prices-to-fall-32-by-2010-nomura/
I guess if what they are saying is true, then Singapore should be experiencing deflation by now..:)
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Originally posted by maurizio13:
The points 2 and 3 relate to my previous post, so I answered it. Whereas point 1 relates to eagle's purchase of some investment.
So I guess those researchers at NUS were wrong.You are correct.
Happy?
I suspect that Eagle and Maurizio are infact the same person in this forum, and their purpose is to create a fake sense majority opinion.
If not, can you help to explain where there are only "2" persons in this forum who believe that property prices by default will appreciate in tandem with inflations?
:D
This is really pathatic dude!!
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One of the biggest concerns for investors worldwide is the current surge in inflation, and the possibility that much higher levels of inflation may appear in future years. Buying a fixed asset like a property is a classic defense against the threat of inflation which undermines the value of cash and fixed incomes.
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Originally posted by maurizio13:
One of the biggest concerns for investors worldwide is the current surge in inflation, and the possibility that much higher levels of inflation may appear in future years. Buying a fixed asset like a property is a classic defense against the threat of inflation which undermines the value of cash and fixed incomes.
OMG...as an investment "GURU" who suppose to be capable of providing over 3% of RISK FREE returns for investors is using a 2006 report; written for and by Dubai companies to promote Dubai property, to support his case. Is this a classic example of a wannabe "guru" desperately looking for something to support his case or what?
Obviously Mr. Guru himself is not aware that UAE Dirham is pegged to the US$, and inflation in UAE has actually higher than the property prices have appreciated over the last 1 to 2 years.
Good try mr. guru!!
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Originally posted by Love Supreme:
OMG...as an investment "GURU" who suppose to be capable of providing over 3% of RISK FREE returns for investors is using a 2006 report; written for and by Dubai companies to promote Dubai property, to support his case. Is this a classic example of a wannabe "guru" desperately looking for something to support his case or what?
Obviously Mr. Guru himself is not aware that UAE Dirham is pegged to the US$, and inflation in UAE has actually higher than the property prices have appreciated over the last 1 to 2 years.
Good try mr. guru!!
You mean economic principles will change with time?
ie the demand and supply curves will exchange position after 2 years?
Gazelle Gazelle, you are still the dimwit you were last year.
Smell any panties lately?
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Gazelle,
You win!
We should all do like what you suggested, keep all the money in our CPF accounts during high inflation, because it's risk free.
Interest rates 2.5%, inflation rate 6.7%.
Happy?
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OT
redDUST = 16/f/lonely = Gazelle = Love supreme = Oxford Mushroom = Eagle = Maurizio13 = ?
all the nick association is really taking the discussion in this forum to a whole new low. why can't we all recognize that there are opposing views and people take different stand. often times, getting into emotional verbal assault is fine too, and even enjoyable to some (those in the ring and outside as well); but the ones resorting to name calling & lacing expletives (me sometimes guilty too but will exercise restrain going forward) really have nothing better to offer. your credible views offered is often diminished when you resort to these nick association just to discredit another.
me and 16/f/lonely had 1 pm exchange recently over my last folly, but i could very well be talking to myself since redDUST = 16/f/lonely.
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Gazelle and oxford mushroom are different people, so please don't be ignorant by linking the 2 of them.
Gazelle is an infamous panty sniffer here, ask any old timer and they will know. He will go on and on even after you have shown him all the facts.
oxford mushroom is famous for starting out strong, when he knows he got his facts wrong, he will MIA (missing in action) for a period of time. I give him credit for silently acknowledging his mistakes, unlike a certain Gazelle, who goes on and on and on.
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redDust,
So what's your take on this, if interest rate is at 2.5% and inflation is at 6.7%.
Will you keep your money in the bank or invest in real assets?
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Originally posted by maurizio13:
Gazelle,
You win!
We should all do like what you suggested, keep all the money in our CPF accounts during high inflation, because it's risk free.
Interest rates 2.5%, inflation rate 6.7%.
Happy?
You are the biggest idiot in this forum. Period!!
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Originally posted by Love Supreme:
You are the biggest idiot in this forum. Period!!
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Originally posted by maurizio13:
Only fools will make such dumb statement.
Originally posted by maurizio13:
The second element is inflation, the property you bought for $1,400,000 with an inflation of 6.7% a year, would have been priced at $1,493,800 at the end of 1 year. -
Originally posted by maurizio13:
Gazelle and oxford mushroom are different people, so please don't be ignorant by linking the 2 of them.
Gazelle is an infamous panty sniffer here, ask any old timer and they will know. He will go on and on even after you have shown him all the facts.
oxford mushroom is famous for starting out strong, when he knows he got his facts wrong, he will MIA (missing in action) for a period of time. I give him credit for silently acknowledging his mistakes, unlike a certain Gazelle, who goes on and on and on.
i actually don't know who is who, nor do i really care. i am just loosely stringing them. if you noticed, even you got strung in with your `adversary' gazelle......
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If fixed assets like properties do not hedge against inflation over time, then the Singapore Government should shoot the Board of Directors at GIC for investing billions in real estate across the globe.
From London to New York City, from Seol to San Francisco.
Where is our money GIC ?
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CPF is never an investment. Like what is mentioned, it is a forced savings plan and in fact, a plan that you can never receive in cash until you are almost dead haha. CPF is a savings plan so that when you reach a certain age, say 35 and you need to buy a flat, there is at least a sum of money for you to buy your flat or should I say pay the downpayment. But it is never an investment. At 2.5%, it is risk free and if you choose to look at it that way as an investment, it is a good investment return with no risks.
BUT!
Why should you let it stay inside there for 2.5% when there are so many better options out there with manageable risks and yielding higher returns. Before April 1st this year, I have cleared out whatever money in the CPF as investments because at my age, I do not foresee myself needing the CPF money to buy a flat till 4 years later so why not invest it?
Of cos now, with the 20K cap, there is nothing much you can do with the first 20K of your CPF money but hey why the cap is there is another issue, partly to do with what those "wayward" finanical planners do to "spoil" market. So dun blame the CPF for just giving the 2.5%, there is always another choice one!
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The best way to protect your wealth from the ravages of inflation is to invest in a tangible asset whose supply cannot be increased at the same rate as the currency it is being measured in. Even better is to invest in an asset with growing demand and limited supply whose intrinsic value is increasing.
Some traditional inflation protection vehicles include precious metals, crude oil, real estate and Treasury Inflation Protection Securities (TIPS). A quick comparison shows that oil, for example, has been an excellent hedge against inflation a 37-year compounded return of 8.5%. Real estate, meanwhile, has returned 6.15% over that same span since 1970.
http://www.fxstreet.com/futures/market-review/the-next-great-inflation-hedge/2007-07-25.html
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Originally posted by gasband:
CPF is never an investment. Like what is mentioned, it is a forced savings plan and in fact, a plan that you can never receive in cash until you are almost dead haha. CPF is a savings plan so that when you reach a certain age, say 35 and you need to buy a flat, there is at least a sum of money for you to buy your flat or should I say pay the downpayment. But it is never an investment. At 2.5%, it is risk free and if you choose to look at it that way as an investment, it is a good investment return with no risks.
BUT!
Why should you let it stay inside there for 2.5% when there are so many better options out there with manageable risks and yielding higher returns. Before April 1st this year, I have cleared out whatever money in the CPF as investments because at my age, I do not foresee myself needing the CPF money to buy a flat till 4 years later so why not invest it?
Of cos now, with the 20K cap, there is nothing much you can do with the first 20K of your CPF money but hey why the cap is there is another issue, partly to do with what those "wayward" finanical planners do to "spoil" market. So dun blame the CPF for just giving the 2.5%, there is always another choice one!
CPF is a source of cheap funds for the goverment to exploit.