HDB Loan or Investment

[brattzz]

Provided we are quite sure we have the confidence and knowledge to invest for better returns for 20 to 25 years. If not why pays .1% + miscellaneous admin. fees for 20 to 25 years? The basic is the only roof for your head is not to be trifle with. Must be quite sure you can do it for 20 to 25 years.

Well, i share your conserative points, and have done so investing in conservative companies too, but i still cannot measure how can we be sure of something that is 20 to 25 years ahead going through that period and then on the hidside, conclude that it's well-spent or not.

My approach will be to look at the current situation and tools that i have,
which in this case, is the cashflow from NOT paying down the hdb loan, and is the equity/gold/FD/bonds/Hedge market still able to offers x+1% returns more...

And the best advantage of having cash in hand, is CASH IS KING..
Don't lock up your cash in hdb... Money is more potent when it's free and invested! (in many multipler tools)

End of the day, its still up to individuals's risk taking, and most important, is compentency, which we seek to improve ourselves, everyday of our life,

There is no FREE lunch in this world~!