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Seeking higher returns, but still secure and safe for my parents' fixed deposits.
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Loh Tat Tian
27 Feb 2020
Founder at PolicyWoke (We Buy Insurance Policies)
CPF is one of the best around. Why not seek to understand CPF first for retirees? A bigger payout is more sustainable with a higher lumpsum imho.
Or annuity plans (but less liquidity).
But if you are an accredited investor or ex-FA who can do claims, then can consider 2nd hand insurance policies that give potential 4% returns, and 2% gauranteed returns. Because there are some inherent risk which retail investors may not be able to resolve.
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Rais M
27 Feb 2020
Accountant at SME
Corporate loans and bonds are not guaranteed investment like SSB. They are not secured loans at all ...
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You can consider bond ETFs like A35 (AAA-rated government bonds) or MBH (A-rated Investment Grade Corporate Bond) which are relatively low risk. Do note that these products are not capital guaranteed.