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3% is decent
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Don't focus on yield. Find a slow grower. look at their past dividend trend and payout.
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I think STI etf is a good consideration for diversification and growth.
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Keppel Pac Oak is a good consideration. Dividend yield is 12% as of now and is relatively safe...
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They are very right. yields can be a false indicator becase past yield does not guarantee future yield. and the yield might be high because the share price has been dropping. dont fall for this trap!