Retirement investment suggestions for $250K 65 with this sum to invest for 5 to 10 years. Aside from painful FDs, there are options for upto 3.8% by Syfe etc, are there any interesting alternatives?

Ssb, tbills, i think safe for this time horizon.

For those of us entering our golden years, ensuring our nest egg lasts and continues growing throughout retirement is one of the most important financial priorities. After decades of diligent saving and investing, the last thing anyone wants is to run out of money or miss out on attractive returns.

One of my retired clients found himself in a similar situation to the one described. At 65, he had $250K he wanted to invest for passive income over a 5-10 year time horizon without taking on excessive risk. Having worked with him for years to build his wealth through prudent investing, he trusted me to propose the right solution.

After analyzing his full financial picture - existing income sources, living expenses, future plans, etc. - it became clear that capital preservation paired with a steady income stream should be the primary objectives. Chasing excessive yield would be unwise if it jeopardized his principal investment.
So we crafted a two-pronged income portfolio playing excellent defense while still generating robust returns:

The first sleeve consisted of highly-rated, investment-grade bonds and bond funds from proven managers. This provided continuous cashflow and peace of mind that Uncle Robert's savings were parked in the highest quality credits.

The second allocation was to a globally diversified equity income fund. This world-class portfolio of dividend growth champions allowed for capital appreciation while reliability flowing income through a professionally-managed solution.

In addition to the strong yields generated, having both bonds and equities serving income roles provided welcome diversity and inflation protection for a multi-decade time horizon.

To be sure, there were "sexier" alternatives promising even higher promised yields. But Uncle Robert and I avoided chasing rainbows, instead prioritizing stability, quality, and sustainability aligned with his needs as a retiree. Generating 5%+ with that level of prudence became the "big win."

The key myth I want to dispel is that effective retirement investing always requires taking undue risk or piling into niche, exotic products. For most retirees, a thoughtful portfolio of plain vanilla bonds and dividend growth equities from reputable managers can more than suffice in meeting cashflow demands.

It's about matching the strategy and products to your specific goals and tolerance for volatility, not just swinging for the fences on yield alone. Sure, bonds aren't as thrilling as crypto or tiny REITs. But they provide the certainty and predictability most sensible investors want in retirement.

So as you think about your own retirement investment plan, get crystal clear on your personal priorities and risk parameters first. Then, explore best-of-breed bond and equity income funds that can fulfill those needs in a risk-appropriate, reputable manner.

To stay on top of practical retirement investment tips, be sure to follow me on Instagram @ngooooied. Sharing insights to help hard-working people safeguard their life's savings is hugely gratifying for me.

At 65yo, you may want to consider safe investments.

returns usually proportional to risks, for safer returns, the risks are not high but it it is capital guaranteed.

Will suggest SSB because it is 100% capital guaranteed by sg govt and you can redeem anytime and get the sum back by the start of the next month of redemption application.

For a retirement investment of $250,000 with a 5 to 10 year horizon, there are several options to consider aside from fixed deposits (FDs) and Syfe. Here are a few alternatives you might find interesting:

• Exchange-traded funds (ETFs): Consider investing in an ETF (a diversified portfolio of stocks) that align with your risk tolerance and investment goals. While the stock market can be volatile, it has historically offered higher returns over the long term.

• Real Estate Investment Trusts (REITs): REITs provide an opportunity to invest in real estate properties without the hassle of property management. They often offer attractive dividends and the potential for capital appreciation.

• Annuities: An annuity can provide a guaranteed stream of income for a specified period, offering a level of predictability in retirement planning. Annuities are typically used as a low risk option to supplementing the CPF Lifelong Income For the Elderly (LIFE) monthly payouts.

• Mutual Funds: Consider actively managed or index mutual funds that align with your investment objectives. These funds offer diversification and professional management.