How much should I spend?

我應該花多少錢？

Roughly at what age should you be looking to get a mortgage?

大概要在幾歲的時候開始貸款？

Rent or buy?

租房還是買房？

Save or invest?

儲蓄還是投資？

Cut out the daily coffee or concentrate on the big stuff?

該中斷每日一杯咖啡的習慣，還是把眼光放遠？

When it comes to money, there is so much guidance out there, it can be difficult to know where to start.

一談到錢，就有各種說法和依據，從何起步可能變得困難。

So we've come to Money20/20 in Singapore, a meeting of some of the world's leading finance experts, to put to them some of your questions.

所以今天我們來到位於新加坡的 Money20/20 金融科技創新大會，拜見許多引領全球的財經專家，聽聽他們怎麼回答這些問題。

Which is the best investment for now?

哪一種投資方法最好？

Well, actually, I don't know if there's one particular way I'd say to start investing your money.

其實我認為投資起步並沒有特定一種方式。

I think the most important thing is to start.

最重要的是你要著手開始去做。

Nowadays there's so many resources that you can take advantage of.

我們現在有太多資源可以利用。

My thoughts and advice would be, diversify it.

我的想法和建議是，讓投資組合多樣化。

Make sure that you're investing in things that you believe in, as opposed to investing in things that other people believe in.

要確定你是把錢放在自己所相信的投資，而非他人所相信的投資。

I'd love to find out more about how to best invest my money, whether it's in, I don't know, bitcoin?

我很想多了解如何做最有效的投資，比方說比特幣？

First of all, I'm not a crypto fan.

首先我必須說，我並不熱衷加密貨幣。

But actually my nephew asked me about this.

但其實我的外甥有問過我這個問題。

And I say, it's a great opportunity for you to learn. Invest as much as you can lose, and have fun with it.

而我說，這是個學習的大好機會。你願意承擔多少風險，你就投入多少錢，並讓自己玩得開心。

Don't expect to put in a buck and make a hundred.

別期望能花小錢賺大錢。

I would advise more on tangible property, real estate, those things that seem to, over history, always have some manner of long-term appreciation.

我比較建議投資在有體財產上，例如不動產，這類會隨著時間長期增值的項目。

Roughly at what age should you be looking to get a mortgage?

大概要在幾歲的時候開始貸款？

From my perspective, starting early is a fantastic idea.

就我的觀點來看，及早開始是很棒的。

That could be indirectly, too.

也有可能是間接融資。

There's different investment vehicles, there's REITS, there's other mutual funds that have exposure to real estate that kind of get you started.

有不同的投資媒介像是不動產投資信託基金 (REITS)，也有其他共同基金中包含不動產的項目作為標的。

It really depends on when you want to use it.

這真的要看你什麼時候會用到它。

So if you're buying a house for yourself and you can afford it, then absolutely go ahead and start buying it.

假設你要替自己買房並能自己負擔，那當然好，著手開始吧！

But I think if it's just for the sake of parking your money and seeing whether it's going to be because everybody else is talking about it, then I would caution against it.

但如果只因為其他人也都這麼做就把錢轉為不動產，那我會警告你別輕易跟風。

At least setting money aside, preparing to do that, I think is a good habit.

至少我認為撥一點錢為此做準備就是個好習慣了。

The housing market has also slight ups and downs so when the timing's right at least you have the funds ready.

房地產市場也會有些微波動，所以等時機一到，你至少已經有資金。

I bought my first property at age 48.

我 48 歲時購入了我的第一間房產。

So my advice is, at the stage that makes sense for you and not worrying about keeping up with the Joneses.

所以我的建議是：只要是你認為合理的時間點，且無需擔心與身邊朋友比較就好。

What percentage of my total income should I be saving every month?

我每個月應該存下總收入的百分之多少呢？

I'm probably the wrong person to ask that question, but here's my philosophy:

我大概不是回答這題的最佳人選，但我的理念是：

You want to spend as if you're going to die tomorrow, and you want to save as if you're going to live for tomorrow.

花錢要花得像明天就要死去，存錢要存得像在為明天做準備。

Whatever the tax authority allows in terms of the maximum pre-tax investment you can make, you should be maxing that out.

稅務機關允許的最大稅前投資額為多少，你就該存下多少。

Everybody has to make their own decisions.

每個人都要為自己做選擇。

I'd say at least, you know, 10 to 20% of your income.

我會說，至少存下你收入的 10% 到 20%。

You'll thank yourself later on.

你日後會感謝自己的。