facebookWhich funds to buy for about 4-5% returns (more or less guaranteed or low risk)? Trying to plan for retirement passive income based on S$1.5M capital. - Seedly

Lek H.S

06 May 2021

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General Investing

Which funds to buy for about 4-5% returns (more or less guaranteed or low risk)? Trying to plan for retirement passive income based on S$1.5M capital.

Plan for retirement passive income based on S$1.5M capital. Any advice?

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Tan Choong Hwee

06 May 2021

Solutions Specialist at Providend

Beside topping up CPF SA to prevailing FRS before 55 and CPF RA to prevailing ERS after 55, you may consider the recently launched Fullerton MoneyOwl WiseIncome (exclusively distributed by MoneyOwl):

https://www.moneyowl.com.sg/wiseincome/

It comes with 3 options:

  1. Accumulate Option: where dividends are reinvested, projected returns 4.7% (net off fees).

  2. 4.5% Payout Option: where payouts are distributed from dividends keeping capital intact.

  3. 8% Payout Option: where payouts are distributed from dividends as well as drawdown from capital.

If you don't have MoneyOwl account, you may sign up a free account with my referral code:

MoneyOwl account sign up link:

https://www.moneyowl.com.sg/app/accounts/sign-up

My MoneyOwl referral code:

5FZY-58AG​​​

As an example maybe

Lion-Philipp S-REIT ETF

SP500 ETFs have around 1.8% currently...

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