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Vivien

Digital Strategy at Singapore

04 Sep 2022

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General Investing

What are the low-risks and high/ stable yields investments?

Discussion (17)

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SSB and Tbills have little to no risk yet they offer decent returns of 2-3% currently. Recent 6-month tbill returns even exceeded 3%.

Everyone has their own definition of what is high yields. If you want low-risks but rather stable yields, you can consider SSBs, fixed deposits, T-Bills, SGS bonds or even cash management by Robo-advisor. Do take note that cash management has risks although it is extremely small.

Depends you are at which stage of your life.

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Lowest risk will be good saving account. I prefer fuss free one like RHB High Yield, SIF GoSaver, CIMB Fastsaver etc. Less hoops to go through.

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Next will be fixed deposit. If you have large funds, can consider BEA FD 2.88%, SIF / HL 2.75%, all 1 year tenor but require 50-100K. But if can wait, just wait, since FED considering upping 75 basis point soon probably next month.

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After that will be SSB and T bills which is common known nowadays

To be honest, after being burnt in stocks before, I have since decided to top up my CPF SA to FRS. T...

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