IMAS (Investment Management Association of Singapore)’s Post

#HSA #Investing #GrowthETFs #FinanceTips Hey everyone! 👋 So, I’ve been contributing to my Health Savings Account (HSA) through work for about 3-4 years now. Recently, I decided to take the plunge and invest those funds. I picked the "Growth ETF Vanguard" and, I must say, it’s performed quite well – it’s outpaced my yearly contributions! But here’s where my thoughts get a little tangled. 😅 Is it a bad move to have 100% of my HSA investments tied up in this one single fund? Should I think about diversifying my investments? If so, I'd love to hear your recommendations! Here are some things I’m worried about: Risk of Overexposure: Being all in on one investment can be risky. If that fund underperforms or faces a downturn, my entire HSA could take a hit! Lost Opportunities: By sticking to just one fund, I could be missing out on other investment options that might provide better returns or balance my portfolio. Future Health Expenses: Given that an HSA is meant for medical expenses, m... Is Investing All in One HSA Growth ETF a Smart Move? Answers:  https://lnkd.in/gXzAcHzp Let's Connect! Have you faced similar challenges? Share your insights and experiences. Let's...

Certificate rates are high, but are they the right investment for you? Here are some things to consider: #penfed #penfedlearningcenter #certificates #cds #personalfinance https://lnkd.in/gtjKFrZF

h1: "Only put off until tomorrow what you are willing to die having left undone." h2: Take Charge of Your HSA Investing Journey Today! 🌟✨ Summary: Zacks Investment Ideas feature highlights Technology SPDR ETF XLK and Brown & Brown BRO, discussing the potential for a big sell-off in September after a rocky start to the markets in August. As a seasoned Investment Advisor, I encourage you to seize the opportunity to make informed investment decisions for your Health Savings Account (HSA). Don't let the fear of missing out (FOMO) prevent you from taking control of your financial future and maximizing the growth potential of your HSA. Investing in your HSA not only secures your healthcare needs but also offers long-term benefits for your family's wellness. With the rising cost of healthcare, it's essential to explore investment avenues that can help grow your HSA funds. By investing wisely in healthcare-focused assets, such as the Technology SPDR ETF XLK and companies like Brown & Brown, you can align your investments with the ever-growing healthcare industry. Embrace the power of investing in your health! 🌿💰 Act now and leverage the potential growth opportunities within the healthcare sector to boost your HSA account. Start building a strong financial foundation for yourself and your loved ones while safeguarding your future healthcare needs. Together, let's unlock the transformative potential of your HSA. 🚀✨ Invest today and secure your financial well-being for years to come. #hsa #investing #healthcare #health #family #wellness

“Until being exposed to TPA, I had not given much thought to the selection of the portfolio objective. It seemed logical to construct a return-based objective to ensure the sustainability of the portfolio. However, while speaking with firms adhering to the TPA model, I discovered there is a (small) universe of investors whose portfolio objective is risk-based.” Read more from Steven Novakovic, CAIA, CFA on CAIA Association’s blog. #tpa #totalportfolioapproach

**Investing in HSA: Capitalize on the Surging Reddit Shares!** *Summary: Don't Miss Out on RDDT's Strong Growth Potential!* 🚀 Engage in HSA investing to secure your financial future! 🌟 **HSA Investment Guru Outperforms Ray Dalio** 📈 RDDT shares surged a whopping 14% after exceeding Wall Street expectations in its first earnings report since going public! 💥 The social media platform showcased robust revenue growth and improving profitability, sending shockwaves through the investment world. **Strong Revenue Growth and Profitability** 📊 RDDT stunned investors with a forecast predicting adjusted profitability in the second quarter, along with substantial revenue growth. This unexpected performance has captured the attention of savvy HSA investors seeking high-growth opportunities. 💰 **Invest in RDDT: Seize the Growth Potential** ⏳ Don't let the Fear of Missing Out (FOMO) hold you back from capitalizing on RDDT's incredible growth potential! Act now to explore the dynamic world of investing in Health Savings Accounts, where you can align your financial goals with your healthcare needs. 🏥✨ **Take Control of Your Health and Wealth** 💪 Boost your financial well-being while safeguarding your health and that of your loved ones! With the perfect marriage of HSA investing and healthcare, you can achieve greater freedom and peace of mind. 🌈 Embrace the opportunity today! 🙌 #hsa #investing #healthcare #health #family #wellness 🚀💰🏥✨🙌

Broadridge's Accredited Investment Fiduciary® (AIF®) Training provides ways to apply Fi360’s Prudent Practices®, fiduciary process and investment procedures with every client. You can join an elite group of financial professionals by enrolling in one of our in-person, virtual -or self-paced online AIF training options. Explore the AIF Training program and see how we can support your efforts to comply with the new U.S. Department of Labor Retirement Security Rule. http://spklr.io/6040qgr6 #WealthManagement #AssetManagementInsights #fiduciary #PTE

Broadridge's Accredited Investment Fiduciary® (AIF®) Training provides ways to apply Fi360’s Prudent Practices®, fiduciary process and investment procedures with every client. You can join an elite group of financial professionals by enrolling in one of our in-person, virtual -or self-paced online AIF training options. Explore the AIF Training program and see how we can support your efforts to comply with the new U.S. Department of Labor Retirement Security Rule. http://spklr.io/6043s0K9 #WealthManagement #AssetManagementInsights #fiduciary #PTE

Broadridge's Accredited Investment Fiduciary® (AIF®) Training provides ways to apply Fi360’s Prudent Practices®, fiduciary process and investment procedures with every client. You can join an elite group of financial professionals by enrolling in one of our in-person, virtual -or self-paced online AIF training options. Explore the AIF Training program and see how we can support your efforts to comply with the new U.S. Department of Labor Retirement Security Rule. http://spklr.io/6049SACX #WealthManagement #AssetManagementInsights #fiduciary #PTE

Just minutes ago, while waiting in Arlanda airport for my third and last leg to home on the way from COP16Riyadh, I got a phone call from a wealth advisor who poured himself into a bulletproof argumentation aimed to convince me to invest my money (that I don’t have) into an equally bulletproof investment plan which will certainly secure me a happily ever after retirement. I politely let him finish his pitch and when it was my time to speak I replied by saying that what I believe is the only investment that ultimately pays dividends is your health, your closest relationships and your hunger to learning and improving. Then I added that if he has something in his portfolio that matches those criteria I’m all in! Have you ever seen someone’s face through a phone call conversation? Well it looked like that, and no sound came through. So I hung up and continued reading David Brooks ‘s The Second Mountain. (And, if you wonder, no my answer to him was not a quote from the book) It got me reflecting though (still have 3 h to use), because as we know even the best well intentioned investments fail. Relations sometimes come short in value or fluctuate broadly over time, they can deteriorate or crush. But sometimes if lucky and nurtured can last a lifetime. And that´s when you hit the jackpot! With health too. But among the three, life long learning never looses value! And as they are often intertwined, using this diversified portfolio will secure you a retirement without worries! If I start this investment fund, who´s in? Just checking if I have time to sleep and recover this weekend or write a BP. Hope you rest and enjoy yours! #newinvestmentintown #bestreturnever #

My learning for (01 April, 2024) Various Modes of Investing in Mutual Fund Lumpsum Investment Let’s say that you have managed to accumulate a corpus of funds and are now looking at avenues to invest and earn returns. Or you are a working professional and have been awarded a good bonus this year and want to invest it rather than spend it on an extravagant vacation or an expensive gadget. You start looking at investment options and decide that mutual funds offer a good range of schemes to choose from. You analyze your risk preference, define your investment objective and start assessing individual schemes. Once you finalize the kind of schemes you want to invest in, you are faced with the question of whether you want to invest the entire corpus together or not. A lump sum investment has its own set of pros and cons. While it creates a possibility of high returns if your timing of purchase is right, it can also exposure your investments to high risks. To hedge against this, it is important for lump sum investors to have a longer time horizon of investments and invest in schemes that have a steady record. SYSTEMATIC INVESTMENT PLAN OR SIP This is option is for the people having a regular monthly income – the majority population of our country – the working class. If you don’t have any savings but want to start creating wealth for your future expenses, then an SIP is a boon for you. You can start saving from as low as Rs 500 a month if you choose the SIP mode of investing in Mutual Funds SYSTEMATIC TRANSFER PLAN OR STP If you have a corpus of funds but don’t want to invest in lump sum and neither as an SIP, then a SYSTEMATIC TRANSFER PLAN (STP) is designed just for you! An STP can help you invest in equities gradually by initially your funds in less risky options and systematically transferring funds from this scheme to a high return scheme (like equity) from the same fund house. Systematic Withdrawal Plan or SWP A SWP ensures that you live a financially healthy life post retirement and never run out of funds. Through this plan you pre-decide the amount of money you wish you withdraw monthly/quarterly to meet your regular expenses. The remaining investments continues to earn returns prolonging the longevity of your funds. #Growth #learning