For fun and laughter only. LOL.
I have a $500k HDB housing loan.
|I am only talking to myself here.|
I don't recommend stuff. I am only talking to myself in my blog.
I like to tell myself not to ask barbers if we need a haircut. Switch from HDB loan to bank loan? These financial advisers work for HDB or for the banks har? Interest rates are going up, then, bank loan interest rates will go up or not?
Financial advisers ask me to buy income focused unit trusts which are likely to be more rewarding than using the money to pay down my mortgage? What are the underlying assets of these unit trusts? Bonds, income generating stocks or REITs, probably. Why they never ask me to invest in these directly har?
I don't know what Donald Trump is going to do to the USA or the US$. I am not very good at speculation. I did a few times before and fell into longkang. Shhh...
1. Fixed rates, SIBOR, FHR18 or HDB Housing Loans.