Where to put 20k spare cash with S&P 500 at ATH?

Your thinking about Singapore bank stocks isn't wrong. Let's break down your options:

Strategic Options

1. Singapore Banks

• Pros: Solid 4-5% dividend yields, strong regulation, natural rate hedge
• Cons: Sector concentration, local market exposure

2. Smarter Approach

• Keep VOO as your core holding
• Use the new funds for a dividend-focused satellite portfolio

My Recommendation

Here's what I typically suggest for clients in your position:

1. Stage Your Entry

• Split your 20K into 4-5 portions
• Invest monthly to reduce timing risk

2. Diversify Smart

• 40% Singapore banks (spread across DBS/OCBC/UOB)
• 30% S-REITs for higher yields (5-7%)
• 30% into VOO through dollar-cost averaging

3. Manage Risk

• Set stop-losses
• Watch sector exposure
• Rebalance quarterly

Key Considerations

1. Tax Benefits

• Singapore dividends are tax-free
• Consider using SRS

2. Liquidity

• Keep 6-12 months emergency funds separate
• Plan for near-term cash needs

3. Currency

• SG stocks provide natural SGD hedge
• Review your overall currency exposure

Remember, your investment strategy should align with your life goals. Are you saving for retirement? Planning for property? These factors matter more than market levels.

Want more insights on building wealth in Singapore? Follow me on Instagram (@ngooooied) where I share practical tips and strategies. I also run monthly webinars on CPF optimization and retirement planning that you might find valuable.

Bottom line: Focus on time in the market, not timing the market. Success comes from having a systematic approach you can stick with through all market cycles.

Can explore HK or CNY market/ banks? Seems much cheaper over there. Almost Same div rate payout

Currently I really feel that the 3 banks are at too high price! If you are keeping for dividend, maybe ok.

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