Asked by Anonymous
Asked on 15 Oct 2018
Based on your question,i suggest you to read more about index investing first to get a better understanding. Once you have a better understanding on how the stock market works then you can start investing. Else just keep on saving and treat that 5k as your emergency fund if you currently do not have one.
SSB! November tranche looks good! 2% plus
STI ETF doesn't give monthly returns leh.. you can try this
SSB Jun/Dec issue (interest given on Jun and Dec) SSB May/Nov issue (May and Nov) SSB Apr/Oct issue (April and Oct) SSB Mar/Sept issue (Mar and Sept)
ES3 STI ETF (Feb and Aug) via Maybank Monthly Investment Plan G3B STI ETF (Jan and July) via POSB Invest-Saver
Note: STI ETF do not gurantee dividends every year and date of dividend is subject to changes.
Singapore Saving Bond would be more suitable for you. In the meantime, you should read up on etf. Just my humble opinion.
I'll assume that when you mentioned about monthly returns, you meant monthly dividends. If you are comfortable with US market stocks, one counter comes to mind that will fit your criteria: Realty Income (Stock Counter: O). This counter pays dividends every month since 1995, and have been increasing dividend payouts for the last 20+ years or so, and will soon be added to the list of dividend aristocrat stocks (stocks that increase dividends every year for 25 years or more).
From your question, it may seem that you are pretty new to investing. Do read up more first before starting on your investment journey, and do set aside emergency funds beforehand as well.
All the best.
Temasek holdings is also issuing retail bonds soon. 2.74% (i believe) per year, for 5 years. you might want to consider that!
Can consider Singapore Savings Bond, STI ETF via POSB InvestSaver, US ETFs via Robo-advisors (Stashaway/AutoWealth/Smartly), P2P lending etc. As for which to invest in, it all depends on your risk appetite. But as always, all investments come with risk so invest with money that you can afford to lose and read up before investing, don't invest/follow others blindly. Here's an article from Seedly on the various investment products that you can consider - https://blog.seedly.sg/working-adults-easiest-ways-to-invest-a-monthly-sum-for-beginners/
Singapore savings bonds. $5k is too little and precious for you to risk on shares or on anything else that doesn't guarantee returns.
16 Oct 2018
Not really if you do not use leverage