What low risk stocks with decent dividends would you recommend investing in based on the current market?

Hey Belinda! Good question. Sometimes I do also think about this as I am generally of risk adverse nature.

If we are talking about SGX, I would go for resilient Real Estate Investment Trusts (REITs), mainly in the healthcare and retail industry. Think about it logically, if one day the market downturn comes, do you think that people will stop going to hospitals? Also, do you think people will stop going to malls in Singapore? I don't think so - and take note that in the case of retail REITs, those REITs just need traffic in their malls (they get income through rental of shops in the malls). These REITs provide about 5% yield/year, which is pretty decent for me.

Also, may I share that technically there is no such thing as guaranteed returns.. The only guarantee you have is your current cash! Hahaha. But on that point, apart from stocks, you can also consider to maximize the potential of bank accounts like DBS Multiplier, Stand Chart Jumpstart, OCBC360, UOB One etc, and also Singapore Savings Bond. These options gives you about 2% guaranteed yield per year.

For me, I'll look at some reits like Aims APAC, Sasseur and SPH reit. The dividends and stock prices have been relatively stable. SPH reit is on a growth trajectory as they are acquiring assets of late.

Btw, there are no stocks with guaranteed returns. Reits do payout 90% of income but there's no guarantee on their distribution stability.

Prices for the above mentioned are a bit on the high side at the moment. Look to find an entry point when the nav is close to the stock price. Please do your own due diligence as well before any investments.

DBS. Personally, I don't think much can go wrong with a local bank.

Disclaimer: This is my personal opinion.

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Vicom and Singapore shipping corp.

Low debt companies with constant revenue due to their assets they own