Dividend-Paying Stocks: Companies that consistently pay dividends can provide a steady income stream. 1 Look for established companies with a history of dividend payments.

High interest accounts, fds etc...

Hello there! Ngooi Zhi Cheng here. It's great to see you thinking proactively about your investment strategy, especially with the recent changes in T-bill rates. With a 20-year investment horizon, you're in an excellent position to build long-term wealth. Let's break this down and look at some smart strategies for your cash, SRS, and CPF.

Cash Investments

1. Singapore Savings Bonds (SSB): While T-bill rates have dipped, SSBs still offer competitive returns with the flexibility to redeem early without penalties. They're a great low-risk option for part of your cash portfolio.

2. High-Yield Savings Accounts: Some banks are still offering attractive rates, especially if you're willing to meet certain conditions like salary crediting or spending requirements.

3. REITs: Singapore's REIT market is one of the most developed in Asia. With your long investment horizon, you could consider a diversified REIT portfolio for potential capital appreciation and dividend income.

4. Robo-Advisors: Platforms like Endowus or Syfe offer globally diversified portfolios at low fees. They're great for hands-off investors looking for professional management.

SRS Investments

1. Unit Trusts: Use your SRS to invest in a mix of equity and bond funds. With a 20-year horizon, you can afford to take on more equity exposure for potentially higher returns.

2. Single Premium Insurance Plans: These can provide both insurance coverage and investment returns, utilizing your SRS funds efficiently.

3. Individual Stocks: If you're comfortable with direct stock picking, use your SRS to invest in blue-chip companies with strong fundamentals and dividend histories.

CPF Investments

1. Endowus CPF Portfolio: Endowus offers globally diversified, low-cost index fund portfolios for your CPF OA and SA. Their 100% equities portfolio could be suitable given your long time horizon.

2. SPDR STI ETF: This ETF tracks Singapore's Straits Times Index and is a solid option for core Singapore exposure in your CPF portfolio.

3. CPF Special Account: Don't overlook the power of your SA. The current 4% interest rate, guaranteed by the government, is actually quite competitive in today's market.

I recently helped a client restructure her portfolio with a similar 20-year outlook. We moved some of her cash into a mix of SSBs and REITs, utilized her SRS for a diversified unit trust portfolio, and optimized her CPF investments through Endowus. The key was balancing current income needs with long-term growth potential.

Many investors think they need to chase the highest yielding product at any given time. However, the real key to long-term success is a well-diversified portfolio aligned with your risk tolerance and goals. Don't let short-term rate fluctuations dictate your entire strategy.

My Advice

Given your 20-year horizon, consider a strategy that balances:
1. Capital preservation (SSBs, high-yield savings)
2. Income generation (REITs, dividend stocks)
3. Long-term growth (equity-heavy portfolios in SRS and CPF)

Remember, your exact allocation should depend on your personal risk tolerance and specific financial goals. It's not just about where to invest, but how these investments fit into your overall financial plan.

If you'd like to discuss how to tailor this strategy to your specific situation or learn more about optimizing your investments across cash, SRS, and CPF, feel free to reach out. I'm here to help you navigate these decisions and build a robust financial future.

For daily tips and insights on personal finance and investment strategies tailored for professionals in Singapore, follow me on Instagram @ngooooied. Let's make your money work as hard as you do!

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Hi, for me it's SSB (still holding some of it) and Chocolate Finance (for really liquid portion 'cos they allow real time withdrawals and it's 4.2% interest pa for 1st 20k followed by 3.5% for anything after. It comes with daily updates on the fund which I prefer over monitoring the 4 funds separately via investment apps)

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