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What Happens If You Are Almost 100% Vested? – Part 3 (Updated)
By T.U.B Investing  •  March 24, 2020
I have receive lots of comments on InvestingNote on my previous post. It made me realise that I have taken too little risk.
I have also complicate matters by my formula.
So I have made changes and revamped the plan.

This should help everyone to understand my plan better.
1. I will borrow 3Y for 6 months for the initial balance transfer.2. I will pay A for 5 months to reduce the outstanding. Note that Y=5A (It should not be 6A because you run the risk of not paying in the last month).3. Roll over 2Y for another 6 months for the subsequent balance transfer.4. Continue to pay A to reduce the subsequent balance transfer.5. Place Y into SSB to offset some of the processing fee in both the balance transfer. 
Thus, it is important to ensure that Y should be below your monthly gross pay. A should be about 15% of your gross pay.
Do note...
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By T.U.B Investing
I am the founder of T.U.B Investing Blog and the Co-founder of Fundamental Scorecard. I am a full-time employee who started investing in 2009/10 during my university days. Like many of us, I had my fair share of mistakes at the start of my investing journey. The worst time was when I used all my saving to bet on warrants, losing half of it ...
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