facebookGiven the current global economic outlook, what are the options if I have 20k cash to invest with, and looking at roughly 5% p.a. over 5 to 10 years? - Seedly
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Anonymous

13 Jan 2020

Given the current global economic outlook, what are the options if I have 20k cash to invest with, and looking at roughly 5% p.a. over 5 to 10 years?

How should I be investing, single premium or DCA?

My current idea is to diversify by splitting into STI ETF (Nikko AM or SPDR STI), bond (not sure which), and REIT ETF (probably lion Philip because it has 30 assets underneath).

Any thoughts are welcome!

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    Discussion (18)

    What are your thoughts?

    For 5% pa, STI ETF would not meet your criteria as it gives only about 3% pa. For REIT ETFs, similarly it gives about 4+% pa. If you want 5% pa, minimum is individual REITs but you would have to do your research and due diligence as there are only a few which are strong, and by the way they are quite overvalued now.

    For REITs, recommended to lump sum invest once it reaches a suitable valuation, for example when it reaches your target yield of 5% at that point in time.

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      Cedric Jamie Soh

      Cedric Jamie Soh

      29 Aug 2019

      Level 12Β·Director at Seniorcare.com.sg

      5% per year, with LTA's PARF. Hope this helps you in what you are looking for.

      Higher returns but safer assets.

      https://timelyenterprise.com.sg/better-returns-than-singapore-saving-bonds-similar-risks/
      I personally won't invest because I prefer higher returns instruments like stocks. I am holding most of my cash waiting for a stock market correction.....

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        I won't go into stocks now.... inverted yield. The recession won't come tomorrow but pretty sure wit...

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