OCBC BCIP in Nikko Am STI ETF or Lion Philip S-REIT ETF or Stock Counters such as Capitaland (SG:C31) or OCBC (SG:O39)?

There's a few comparisons here:

1. ETF vs Individual stocks

Most people can't beat the market index over long period. Rather than betting on which works, it's easier to just invest in the whole economy. This is especially true if you do not wish to invest tremendous amount of time researching each counter and reading annual reports.

1. OCBC BCIP Vs Lion Phillip S-REIT

Here you're comparing between Blue Chips ETF and S-REITS ETF. REITS are predominantly price stable and gives out dividends. Blue chips are similar but you can expect to see more growth. You could do your own cost-benefit analysis.

• Which fund has a higher expense ratio?

• Does converting FRANK to OCBC 360, and investing through their BCIP gives you much more significant interest rate?

• Which has better past performance (not a guarantee of future performance)?

• What is your investment objective? To get an additional small flow of income or capital appreciation?