I am an expat in Singapore, I am looking for investment opportunities here can any one suggest me what investment opportunities are available?

It really depends on how much you have, the risk you’re willing to take, your financial status etc...

HI Dileepa,

Although your question is very general, let me see how to point you in the right direction. Before we start looking at opportunities available for investing however, I'd like to suggest this: The planning process is important prior to starting to invest; without a plan (or at least a skeleton of one), you are planning to fail

Start by setting a goal:

• What do you want to achieve?

• Save for Retirement? Payment for Mortgage? Children’s Education?

• Determine your investment timeframe

• How much do you need for that goal?

This can only be answered by you, but I hope these points will provide a framework for you.

Next, assesss your financial situation

• What is your net worth and cash flow?

• List out all resources and expenses that you have

• Find out your budget

Then, plan to execute

• Make sure you have emergency savings

• Make sure you are adequately insured

• Know how much to set aside

• Know what rate of return you need

• Know how much risk you can take

Understand the asset classes you can invest in, their pros and their cons

• Equities (Stocks/Shares)

• Exchange Traded Funds (ETFs)

• Retail Bonds

• Corporate Bonds

• Unit Trusts

• Savings Plan

• Structured Deposits

• Contract for Differences (CFDs)

• Properties

• Commodities

• Derivatives

Lastly, decide which asset class you would like to obtain that fits you and your profile, and you are on your way. If you need more information on each asset class, I don't think I can fit everything into this answer, sorry. It might be more efficient to sit down with an advisor to get more information and have a frank and open discussion. You can always choose to invest on your own, with the help of an advisor, or a bit of both. There is no one-size-fits all solution to this, and really boils down to your preferences and situation.

Remember to diversify and ,onitor your investments, refine and review your portfolio regularly.​