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Anonymous

26 Sep 2019

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General Investing

How can I invest to get 4% and above returns per annum?

I have about $110,000 in Singapore bonds, also saving $1000 every month.

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Loh Tat Tian

07 Feb 2019

Founder at PolicyWoke (We Buy Insurance Policies)

Considering your risk appetite (wow quite a lot in bonds),

4% returns can be easily gained through your CPF SA / MA account. Alternatively, you may want to invest in your parents CPF accounts (for the first 30k at 6% and the next 30k at 5%) and Children's CPF account (for the first 60k for 5%).

For higher risk appetite, you may wish to look into REITS for higher dividend gains (but do not fall into the high dividend trap). Look for those with positive free cash flow for sustainability of such REITs / Stocks.

For the stock market, ABF Bond fund may be a suitable one, though it can hardly hit 4% in my humble opinion.

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