Alright, I'm not here to talk. I'm here to show. Please do NOT take immediate action.

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Do your own diligent. Do you want to invest in just one stock that makes you a part-owner of the 30 largest companies in Singapore? STI is known as Strait Time Index. ETF is known as Exchange-Traded Fund. It's what makes it possible for us to invest in the market index. And it is traded on the stock exchange just like ordinary shares. Hence it is called Exchange-Traded Fund.

This differs from the unit trust you are normally exposed to which is commonly promoted by financial advisers. By investing STI ETF, it is as though you are investing in the economy of Singapore. They are not normal companies but big corporations. Corporations that can affect the inflation rate of the country by rising prices on their goods and services. We know what inflation is and how it reduces our purchasing power.

Supply of goods and services produced by the huge corporations and the demand of consumers. People like you and me, and the foreign talents that build wealth to our nation. Investing in STI ETF meant being a part-owner of the companies that produce the supply.

When the demand is high, corporations are able produce more to meet the increasing demand and hence generate higher revenue for the investors. You benefit from rising share prices. When markets face with worldwide shortage of supply with increasing demand.

Corporations are able to charge higher prices as the unmet demands are willing to pay more. You benefit from the rising share prices. On inflation, corporations are able to pass down the cost to the consumer by charging at higher prices of their economic output therefore without undermining their profit margin. You as an investor benefit from owning businesses that affect the inflation.

Well, as you might have guessed. Now what makes me so sure that STI will increase and investors will nearly always make money over the long term? White paper aims to bring us to a 6.

Growing population means growing consumption which leads to higher revenue for corporations who produce them. So who produces them? BIG corporations in the Strait Time Index. What you should expect for a good time horizon for stock investment is somewhere between 5 - 10 years of holding period.

With that in mind, here's how to invest STI ETF: I'm using SCB and I recommend it due to it being the lowest commission fee in Singapore. Get your queue number Choose an ETF Provider: SPDR is a far better option. For the first-time user, your trading account is zero.

Hence, you'll have to transfer the balance from your saving account to trading account. Lastly, enter the amount you want to transfer, then hit "next" once you are done! Head over to SCB Online Trading platform and submit your order. The SPDR STI ETF code is "ES3", enter it and then fill up the quantity and price. Lump Sum Vs Dollar Cost Averaging.

Dollar-cost averaging just means taking risk later — Vanguard. Or tell me is there any of the following statements that sound familiar to you: It's completely hassle-free and the initial set up is quicker than you can finish saying the word: SBP is a GIRO arranged fixed dollar amount monthly investment plan that uses an investing method called Dollar Cost Averaging. By investing a fixed dollar amount monthly in STI ETF, means you will be buying more shares when prices are moving down and less when prices are moving up.

Anyway, why bother about picking the right stocks or getting the timing right where the average investors have shown to under-perform against the market index over long run? POSB vs OCBC vs POEMS vs Maybank Kim Eng: Which Regular Savings Plan Should You Choose? Take note that you are not buying STI ETF directly, rather through a Share Builder Plan. Which means the investment plan will own the ETF on your behalf. So you have to consider the investment cost as it will eat into your returns in the form of lower dividends cost is deducted from your dividend.

On note of that, POSB allows only full redemption whereas the rest allow for partial redemption. Thanks to a reader who pointed out and had personally done a partial withdrawal.

How do I redeem my holdings in POSB Invest Saver? Throughout the 4 providers, POEMS is the only one that has the option to opt for dividend reinvestment. Whereas for the rest of the providers, dividends are credited to your designated bank accounts.

It does not allow dividend re-investment even though there seems to have an option in the online platform:. For more reading resources: POSB vs OCBC vs Phillip - By GMGH. STI ETF Monthly Investment Plans Comparison - By BFP. By Eye of the Storm. Head over to More Investment Services. Click "Set Up Exchange Traded Fund Select your Account and fund name: Confirm your detail is correct, then click submit. Everyone knows what inflation is even the donkey in my backyard knows , and that's the general increase in prices of goods and services.

As I have covered above, a large part of it is explained by the law of supply and demand. Prices can raise NOT because of the general increase in prices of goods and services as explained by supply and demand, but because of the decrease in the value of paper money. Consequently you need to pay more money to exchange for the same amount of goods and services as the value of your money depreciates.

In the past, every dollar created was backed up by a fixed quantity of gold. The value of money was tied to the value of gold. People and corporations used money in exchange for goods and services. No one would doubt the value of money since each dollar created has to be backed up by gold in the reserve.

In August 15, president Nixon of the U. S ended the gold system and since then entered into our present fiat dollar system. This is where money is not backed up by any tangible unit but mere market confidence alone. The confidence that the value of money would not deviate much from its actual dollar amount when buyers and sellers make transactions. This is all good so long the authority does not abuse the system by artificially producing money out of thin air with the effort of passing a bill.

But as we know, the rest is history. Money has been created furiously by leading nations to stimulate their economy. When markets lose confidence in the value of money. Because it was used in the past during the gold standard so why not in the future? Hence the natural tendency of humans is to believe that gold might be the money of the future. We didn't have a gold standard.

Best Investment Options - Top 8 Monthly Income Plans (MIP) - best dividend Mutual funds | ydigatocop.web.fc2.com

We didn't print money to artificially stimulate the economy and the bulk of our money is in SGD, but why are people buying gold for investment in Singapore? Gold Bar , prices are taken from UOB Gold Price:. Canadian Gold Double Maple Head down to Gold Department at UOB Main Branch and tell the counter you want to buy gold. The daily price is listed here:. Bullionstar though online order:.

There are three delivery method: Courier and store in their Vault Storage click here for more info. UOB Gold prices are sightly higher than BullionStar but it comes the benefit of a tighter spread. How I Buy Physical Gold In Singapore By 15WW. ETF as explained earlier is a fund that's traded on the stock exchange.

The investment objective of gold ETF is to replicate the performance of gold price by using its pool of money to buy gold. As an investor, to buy gold ETF is to have investment exposure on gold without needing to own physical gold.

SPDR Gold Shares O Login Your Brokerage Account. You will received a confirmation SMS once your order is filled. Gold certificate is like the money that was used during the gold standard. In today's world you can see it as a share just that instead ownership of the company.

Saving account or Bullion Savings Program. Alright, this is not an investment option as your capital is guaranteed by the bank. Because we are talking about 10x different as compared to your typical savings accounts!

Hassle-free, no complex term and condition. It must be SUPER easy to understand and easy to qualify i. No Candy Crash game-points like system by making you spend more to "unlock" higher tier of interest rate Well, it's sort of dumb that you'll end up spending more than you get from interest Alright, alright, I know, some of you may have family and are already qualify for those criteria with your current monthly spending.

If that's the case, it's even better, because these options reward for that as well. Easy To Understand, Easy To Qualify and Hassle-Free. Introducing a smarter way to earn up to 3. A Heavy-Hearted Update by 4HWW. This savings account lets you enjoy one of the highest interest rates in town at 0. You will be surprised at just how much you can save.

CIMB StarSaver Savings Account. But let's add in one more easy-to-fulfill criteria: Typo , it should be: Then BOC is significantly more attractive as it offers 2.

Why park your money in fixed deposits where the interest rate is not a lot higher than the above savings accounts? The average interest is about 2 for FD.. If you notice, those high rates usually offered for capital in between the first K, above that the interest rate shrinks. Fixed deposit is also known as term deposit. Tenure is somewhere between 1 month to 3 years most I see. The basic concept for FD is that the longer the tenure the higher the interest will be. And you will earn interest over the tenure.

You can't withdraw the money for fixed deposit unless the tenure is matured. There are a lot of fixed deposits in the market, and same as savings accounts with newer one being more complicated than the previous. Personally I do not park my money in fixed deposit. So I don't know which one offers the most competitive rate. Check out the latest Singapore Fixed Deposits promotion. If you want a short cut you can click here.

I liked this a lot. All you have to do is key in the amount, set the "tenor from" and -- BAM! So that when in need of money you need only break the tranche that meets your immediate capital need.

This minimize the cost of the potential loss of interest rate and early withdrawal penalties if any. Now at the time of writing the current CPF OA interest rate is sitting at 3. Top 1 SG money secret: INTEREST EARNED BY MEMBERS by CPF Board.

Top 10 Short Term Small Investment Options - Best Plans

Once you transfer your sum to CPF SA, it will be locked until you either:. Sum in which you are able to withdraw the excess. Through Voluntary Contributions link. CPF Contribution Allocation Calculator. You are not able to contribute solely on CPF SA account. And that comes to our 2nd option below. Then top-up for you wife, parents or etc.

Up to the max of 14K. Head over to cpf. When you are in your CPF home page, click "My Requests: You can pay in one of the 5 local banks:. Transfer your OA balance to SA. This transfer is one-way and it's irreversible But if you somehow transferred it by accident, MP's letter might help: Key in the amount you want transfer and check "I accept When you are around the age of 45; 10 more years turning to 55 year old. So if you are close to min. Supplementary Retirement Scheme SRS.

The scheme by itself does not provide you any interest returns like CPF. But it comes with a tax benefit. Look Singapore has one of the lowest personal tax rate. Hence It is unlikely for the average working class to benefit from this tax savings scheme. No surprise as to why after 14 good long years not many people aware of this scheme. First , you open an account with one of the three operators: DBS, OCBC or UOB. In the same year, you will receive a dollar for a dollar "tax deduction" in your assessable income even without submitting for a claim.

Invest the money in one of these options: STI ETF is one of the options , stock and etc Only at this age you can then choose to withdraw the money over a period of max up to 10 years. That's where you get the benefit of this retirement saving scheme.

Very high income earner. I don't have a specific number in mind as there are too many variables involved i. The uncertainty of a long time period away for withdrawal to many could be 30 years and with the available investment options in the market mean SRS would unlikely be an attractive option for most people.

Someone who has maxed out his CPF Voluntary Contributions annual limit but still wish to park their hard earned money in government related savings plan. Again, if one has to compare between deploying their money in CPF special account VS SRS. I will use POSB online application as an example. After your login, click "Open" and select "Supplementary I did that on purpose, I mean, the chart that shows 3 markets crashes with 50 over per cent prices drop.

Investing in equity is a risky business which is why you are being compensated for the higher returns. That's when investors start to make "fear decision" by selling their stocks at the worst possible time where to profit in market requires buying low and selling high and not the opposite.

It is safer than stocks but has returns higher than high savings rate deposit. Bonds are like IOU. When you buy bonds, you are lending money to the issuer Singapore Gov. In each year prior to the maturity date, issuers will pay you interest for lending them the money, and you will get your full capital back at the maturity date.

That's how you make money from bonds. This is unlike stocks. As a stock shareholder you own a piece of ownership in the company. The value of the ownership ties to the value of the company.

This means as a shareholder you are fully exposed to its upsides and downsides of the business as there's no limit to how much you would make or lose not more than your investment capital. As a bondholder you are not the part owner of the company, and your investment returns do not depend on the company's performance but on the interest they agreed to pay you. Then who are you? You are the creditor of the company as you lend them the money in exchange for a promise for future interest and capital repayment.

So the basic concept for bonds investing is simple.

So long the company does not default, you win. When the business is losing money but still have enough to pay you, you win. When the company declared bankrupt, sold off all their assets and have enough to pay you for your interest and capital, you also win. The only time where you lose money is when the liquidated assets are insufficient to meet your capital and interest. In finance there is a concept known as " Flight to Quality. When the market is bullish investors tend to put their capital into more risky assets such as stocks to capture performance.

But at times of uncertainty or poor market sentiment, investors in general tend to move their capital away from stocks to safer asset classes such as bonds.

This results in an inverse relationship in prices between stocks and bonds. Now you understand the benefit of bonds. But do you know that you can invest in Singapore Government Bonds? The name of the bond is called Singapore Government Securities SGS. SGS is a Singapore government issued debt security, which according to the official site , is to provide for banks' needs for a risk-free asset.

Hence, the government does not use the money to finance its expenditure as the Singapore government is running on a balance budget policy and often enjoys budget surpluses.

It is the safest bond you can get in Singapore as it is fully backed by the Singapore government. As Singapore is one of the few nations that have AAA credit ratings rated by all top agencies i. Similar to stocks, there are two markets you can buy from: The bidding process on the primary market can be quite complex and troublesome. Same as stock, you need a CDP account.

Check out the next issue date. Apply via ATM or Online. I'll use POSB as an example for online application. Click "Invest" and select "Singapore Government Securities SGS: Oh well, I can't show you now as today is not the auction date. Select 10 years bond i. Probably they will ask you two things:. Competitive or non-competitive bid. When your application is successful, funds will be deducted from your designated account on the issue date.

Read here for more information: How to buy SGS? Head over to SGX site to find the list of SGS bonds. Our goal is to buy a 10 years bond. But the problem is there's no exact 10 years bond to maturity on the above list. So the closest we can get is a 9 years gov bond This was a 10 years bond at the time of issued in SGS Bond Prices and Yields - All Issues by Issue code. The above only tells us the coupon rate is 2. In short, coupon payment of 2.

Calculate your returns for buying the bond now. To find out what is your interest return if you hold until maturity. You'll need to use Yield To Maturity YTM: The calculation can be quite complex, but here's how you do it:. Head over to MoneyChimp: Bond Yield Calculator by MoneyChimp. Enter the figure you got from above: Now you know your interest returns of this "9 year bonds" is 2. If you wonder why are we using YTM instead of Current Yield, here's the explainer video: Login to your brokerage trading account and submit the order just like how you for stock.

SCB trading platform cannot be used to buy bonds. Hence I'm using CIMB for the example. Submit your order on your online brokerage trading platform the below is CIMB:.

Wait for confirmation and you're done! It is not equally safe as the government bonds and has higher risk of defaulting interest and principal at times of financial crisis. Let's say you buy an Oxley bond To know your return, you have to calculate the Yield to Maturity which I covered above.

Not all bonds have maturity date, for instance a Genting SP bond does not. In this case it will show the word "Perp" meaning perpetual bond. Understanding bonds by MoneySense. Exactly the same way as stock Login to your brokerage account. Enter the bond code, price and quantity: That's the explanation in why interest rate goes up while bond prices go down and the opposite. Because the coupon rate is fixed, par value is fixed. Both are fixed at the time of issue.

But once it is traded in the exchange, its prices fluctuate depending on the supply and demand of the market. It's not pegged to anyone, or any agency.

It's a free and open bidding. Remember what STI ETF is? To replicate the performance of STI i. For ABF ETF , it's an ETF that replicates the performance of iBoxx ABF Singapore Bond Index. So "what's that" you might ask. And here's what it is: ABF Singapore Bond Index Fd by MorningStar Asia. Even though the total value of bonds that it held often fairly accurately reflects in the ABF ETF's price. B ut still, there is a few things you need to note: The reason why you are investing in a bond is because of its principal redemption.

However, in the case of bond ETF there is no maturity date, and that means there is no basic mechanism for you to redeem the bond. So in order for you to "redeem" your capital you would have to sell the ABF ETF in stock exchange hence you'll be exposed to market fluctuation.

The exact same way as how you'd buy STI ETF or stocks via online trading platform. Login to your online brokerage account. Check the ABF ETF price in sg. Enter ABF ETF code "A35," quantity and price. Easy to withdraw penalty-free.

You might not agree, but I think our government is good. They put others before them. Singapore Government Securities was launched to meet banks' need of a risk-free debt instrument for their liquid-asset portfolio even when the Singapore government does not need the money. Singapore Savings Bonds was launched to provide individuals like us a long-term savings option with competitive interest rates even when the government does not need the money.

Full sum of capital will be paid to you at the end of tenth year. But you will lose the higher step-up interest rate below. You get low interest rate in the first year and higher rate as your holding period increases for example: The average per year interest rate you will get in this issue is: Because the goal is to promote long-term savings: Check the issuance detail of the bond over here:.

If you like it then proceed to check the date. Check the application date over here:. Login to your online savings account, click "Invest" and then press "Singapore Government Securities". Select "Singapore Savings Bonds Application" then click "Next". I'm not able to show you the subsequent steps as I'm doing it outside of the application period. In the even where the your slot is unfilled, money will be refunded back to your account.

Wait for 1st day of the following month to receive the result. You will be notified by CDP via mail of the amount of Savings Bonds allotted to you. Preferred share is similar to the share I described above but with slight differences. Preference share holder is still the part owner of the company; however, it does not come with voting right. By giving up the right to participate in the company decision, PS holders are being compensated with a higher fixed dividend.

They also have priority claim of company assets before the common shareholders in the event of liquidation. It is important to keep in mind that even though the dividend is fixed, it is not a guaranteed payout.

The company may skip dividend when business climate is bleak. The below are the common features of preferred shares: I use Hyflux as an example; however each preferred stock is different, so pick up their prospectus to learn the differences. Remember dividend payout is not guaranteed. That being said, the P.

S holder has the right to speak in AGM when dividend is not paid in the past 12 months. S occurs in the financial year when the company does not declare dividend, and all unpaid dividends will be cumulated for future payment. S means that in the event that the company misses its annual dividend for any reason, the unpaid dividend will NOT be paid in the future.

The company is not responsible for any missed dividends. Note that the company must pay dividends to preferred shareholders prior to paying dividends to common shareholders. This is where the bond-like element comes in play. The perpetual preferred stock means there is no maturity date for redemption. The holders need to sell off the stock in order to redeem its capital. Additionally, being perceptual does not necessarily mean that the holders will be able to hold the preferred stock indefinitely.

This is where the next element comes in:. A callable preferred stock gives the RIGHT for the company to redeem the stock at pre-set date:. This is a right , and not an obligation. Hence, this is at the advantage of the issuer because it gives the flexibility to lower its dividend cost.

This is done by redeeming the existing issue and issuing a new preference share at a lower dividend cost. Lastly, some preferred shares allow holders to convert their preferred shares into a fixed number of common shares. This depends on the criteria at a pre-determined date i. Preference shares Part I.

Preference shares Part II. Preference shares Part III. Preference shares Part IV. Hyflux preference shares Part 1 , 2 , 3.

Buying preferred share is the same as buying common share, you buy through a brokerage trading platform. The list of preferred shares can be found on SGX site:.

SCB does not allow you to buy preferred shares. Find out the stock code:. Enter your preferred stock code, quantity and price:. This one is epic: Be prepared to lose your entire capital: And here we have crowdfunding: Some call it 2p2 lending, "peer to peer", "P2P" or "marketplace lending" all mean the same thing. You will be rewarded for interest payment and capital redemption, which is similar to bond, as I covered earlier. Currently we have 5 crowdfunding platforms: Learn How Crowd Funding Works by reading: And you will receive another Email the next day: Once they approved you will receive this Email:.

Real Estate Investment Trust REITs is a trust that is traded on the Singapore stock exchange. To learn more about Singapore REITs, refer to: Key in the "stock code", "order quantity" and "order price. Calls it a mutual fund and UK calls it unit trust. Hence the use of the term unit trust. Unit trust is not traded in a stock exchange. Unit trust doesn't replicate the performance of an index as the fund is employed by professional fund managers. The fund's performance is largely dependent on the skill of the managers.

Unlike STI ETF which objective is to replicate the result of Strait Time Index. Unit trust is easily accessible by retail investors like us.

Many local banks and financial institution offer unit trust. Heard of investment-linked whole life insurance? That investment portion is a unit trust:. See it this way: ETF, on the other hand, uses stock exchange to facilitate the transaction.

Sale agent is being replaced by an exchange. The more capital the ETF managed, the lower the fee is. S and STI vs Nikko. Fee does not shrink with the increasing amount of trade, instead it scales trade amount. Receive Regular Retirement Income.

Monthly Investment Plan (MIP) - Insights | Singapore | Aberdeen Asset Management

Annuity is an insurance plan that pays out a steady stream of income usually for retirement purpose. Normally it's offered by insurance companies. As an insurer you make fixed sum of contribution periodically; the sum will be managed and grown.

When the annuity plan matured, usually at your retirement age you will start earning annual or monthly income based the sum and bonus investment gain.

This continues until the balance turns zero. Think of it like CPF LIFE in the sense that when you reach your payout age 65 , you will be receiving steady income every month. Phase 1 — Accumulation: This is the phase you make regular premium payment, just like our CPF monthly contribution.

For annuity premium can be paid at lump sum or periodically. Phase 2 — Annuitization: You can either purchase it from an insurance agent or via an online web portal like: Note that they do no hold EVERY single annuity product.

They have probably filtered out the bad ones and show only the good plan. Now you roughly have some ideas what you are looking for Let's we want to find out more about "Aviva MyRetirement". The price quote will be sent to you via an Email. After your confirmation, the purchase will be facilitated by them between you and the insurance companies.

That's after you receive your insurance policy.

Endowment is essentially a "forced savings" plan that pays out a lump sum of your contributed amount plus bonus investment returns, if any upon its maturity. Endowment is designed to pay out a lump sum upon maturity, usually for an anticipated big ticket expenses i. Whereas annuity is to provide steady stream of regular income upon retirement. Both have a regular premium to be contributed by the insurer during the policy's accumulation phase. Since both are a form of insurance.

Consequently your total payout may be lower than your contribution depending on your insurance's cost and fund's investment performance if any. Choosing the Right Endowment by DiyInsurance. Endowment Insurance by moneysense. Head over to DiyInsurance. Choose the one you like and select "Get Quote".

Fill up the form and hit "Submit". The quote will be send to you via an Email and once you are confirmed the purchase. They will help to facilitate the transaction with the insurance company.

PDF version contains all of the content and resources found in the web-based guide. If you really really want to take actions. It motivates me for creating content that makes previous one looks mediocre. That's how I push myself. I personally had try to redeem 10 unit and the minimum unit requirement is 1 unit of STI ETF share. Hi Giraffe, There are definitely pros and cons in every investment options. It will be beneficial if you can share your investment recommendations for different earning tiers.

The best article with best detailed guide for investment and retirement in Singapore that I ever read on internet. Keep up your good work. Sure, financial planners certainly help. But ones have to find the one that possesses both the characteristic of competence and ethical. Really hard, most are very sale-driven. But at least the risk is not greater than speculating on stock market the worst is only paying high sales charge. Thanks for your comment, appreciate the encouraging words as well!

Your blog is so awesome because you provided step-by-step actionable ideas that can be implemented right off-the-bat. This is just what I need. Thanks for sharing your knowledge.

I Appreciate the info , Does someone know if I can find a sample IRS version to fill out? Thanks for also providing step by step instructions on how to go about doing these things. Very comprehensive and well-thought. Will want to share this with my friends. Will be starting my POSB Invest Savers as soon as I read more! Hi im am a student still and i will like to invest when im still young to better prepare for my future.

I have a small sum of savings about 2k and i would like to know how u would suggest me to invest my money. At this time, it is better that you save the money in bank and find other ways to generate more income. Your page contains well compiled, relevant and valuable contents from top to bottom. Thank you for drafting this informative article! May I ask, for SCB, what is the likely annual returns? Well written article with meticulous step by step explanation!

It must have taken a long time to compile. Much appreciated and thanks for sharing your knowledge, they are very relevant and practical.

How do I invest SRS funds in STI ETFs? I have a POSB account and have investment in the POSB-SRS account. Notify me of follow-up comments by email. Notify me of new posts by email. The Beginner's Guide 17 Singapore Investment Options Stock Investing: Singapore Investment Investing Value Investing. Thrive Leads Shortcode could not be rendered, please check it in Thrive Leads Section! What You Will Learn: Invest in Strait Time Index STI ETF. Use Share Builder Plan To Automate Your Stocks Investment.

Make 10x Interest Returns Via High Saving Account. How To Make Voluntary Contribution To CPF via Online. How To Buy Singapore Government Securities SGS? Invest in Retail bonds. Invest In A Portfolio Of Properties Via Singapore REITs. Invest in Strait Time Index STI ETF Do you want to invest in just one stock that makes you a part-owner of the 30 largest companies in Singapore? I know you do and that stock unit is: STI ETF Two things you need to know: How To Buy STI ETF?

STI ETF Investing Strategy Lump Sum Vs Dollar Cost Averaging. So what exactly is SBP? How To Set Up Share Builder Plan Via Online. Gold Investment Everyone knows what inflation is even the donkey in my backyard knows , and that's the general increase in prices of goods and services.

Want to make a guess? SPDR is the only Gold ETF provider in our SGX: Make 10x Interest Returns Via High Saving Account Alright, this is not an investment option as your capital is guaranteed by the bank. Park Your Excess Money In A Fixed Deposit Why park your money in fixed deposits where the interest rate is not a lot higher than the above savings accounts?

Well… If you notice, those high rates usually offered for capital in between the first K, above that the interest rate shrinks. The basic of fixed deposit Fixed deposit is also known as term deposit. So you might like to head over to a few sites to see what others say about it. How To Transfer CPF OA to SA via Online. How To Invest in SRS Account? Singapore Government Securities SGS Now you understand the benefit of bonds.

The name of the bond is called Singapore Government Securities SGS So what's that? How To Buy Retail Bonds? How To Buy ABF ETF. How To Apply For Singapore Savings Bond? Preference shares Part I 2. Preference shares Part II 3. Preference shares Part III 4. Preference shares Part IV 5. How To Buy Preferred Share?

How To Invest In Debt-based Crowd Funding. Invest In A Portfolio Of Properties Via Singapore REITs Do you want to invest in not 1 but many many properties in Singapore? Want to make a consistent income in the form of rental payment distribution? I know you do. So here's the deal: How much do you need? How To Buy Singapore REITs? Unit Trust Investment What is unit trust?

So what's the difference? The answer is both are the same. Still remember the ETF we discussed earlier? Both are similar but with some differences: Unit trust is not traded in a stock exchange 2. That investment portion is a unit trust: Insurance coverage When you retire? How To Buy Annuity Plan? How To Buy Endowment Plan? Give it to ME. Click Here to Leave a Comment Below 33 comments. GMGH - April 12, fantastic post GV, another great article for me to share with my friends! GiraffeValue - April 12, Ha..

Thanks for the support! ZJ - April 12, Thanks for writing. GiraffeValue - April 12, You are welcome. Thanks for the nice words! Sam - April 13, Forgot to put the POSB link http: GiraffeValue - April 13, Hey Sam thanks for pointing out! I will change it. Sylves - April 13, Hi Giraffe, There are definitely pros and cons in every investment options.

Lizardo - April 13, Wow Giraffe, Fantastic work putting everything together! And comes with step by step guide to boot. GiraffeValue - April 13, haha.

Thanks for the encouraging words! Poh - April 14, Very informative. John Png - April 23, The best article with best detailed guide for investment and retirement in Singapore that I ever read on internet. GiraffeValue - April 23, Love that, thanks for the nice words!

GiraffeValue - April 26, Hello Desmond Sure, financial planners certainly help. Sankar Dharmaraj - August 20, Very clear information. Robert Tan - September 18, Hi im am a student still and i will like to invest when im still young to better prepare for my future.

Investing works better if you have sizeable capital to compound with. Jane - September 20, Your page contains well compiled, relevant and valuable contents from top to bottom. Hope you could keep it updated. GiraffeValue - October 17, Hey Jane, Glad that you find it helpful, I will try to keep it updated. GiraffeValue - October 17, Hi Ashi Thanks for the support!

Francis - November 27, Great Info!!! T - December 16, Thank you for drafting this informative article! Lim - January 14, Dear GV, Well written article with meticulous step by step explanation! Raghu Anantharam - January 25, How do I invest SRS funds in STI ETFs? SG Wealth Builder Simply Jesme ASSI Turtle Investor SGYI Cheapo Nana Investment Moats SG Budgetbabe The Finance.

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