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i put my trust on singapore fund

neither method will win, only the person with the better mindset will win, everyone is unique, luck also play a part.

spooky encounter, buy a stock and next hour it plunges to all time low

whether to buy a car depends on your situation and needs. some people need private transport so no choice. others who have a choice are better. owning a car in singapore is an expensive expense, so unless you have lots of cash, dont pressure yourself. cash is king.

Unless you also have a chauffeur, its more productive when taking public transport, you can work on the go.
Unless you are not using your own money, annual depreciation should be no more than 20% of your annual income.

20% of my monthly income is what I’ll feel comfortable spending on a car. It contains the car mortgage, petrol, road tax, erp, parking, etc. If only for operating expenses, 10% of my income would be acceptable.
What's more, share a advice I received before is that your car cost (COE + buying the car) should not exceed your annual income. Typically, car expenses in Singapore would be no less than 1.5k a month. To keep some buffer, ...