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Bonds

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After 10 years, do you definitely need the money back, or are you ok to hold a little longer? We do not know if the markets will be up or down 10 years from now and you could potentially be looking at profits 9 years from now, but a loss in 10 years time. If you definitely need the money back, you may consider either SSB or a short term endowment plan. If you are okay to hold, then any other variable asset class should work for you, i.e. equities, REITs, UT, ETF.

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Bonds

General

You'll need to open a CDP linked brokerage account in order to sell them.

Investments

Bonds

General

Sandra Teo
Sandra Teo
Level 6. Master
Answered on 19 Apr 2019
Hello! Bond immunization is an investment strategy used to minimize the interest rate risk of bond investments by adjusting the portfolio duration to match the investor's investment time horizon. It does this by locking in a fixed rate of return during the time the investor plants to keep the investment without cashing it in. Typically, when interest rates increase, bond prices decrease. An immunized bond portfolio gives the investor a specific rate of return regardless of what happens to the interest rate during the time period. In other words, the bond is "immune" to fluctuating interest rates.

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Elijah Lee
Elijah Lee
Top Contributor

Top Contributor (Jun)

Level 7. Grand Master
Updated on 17 Jun 2019
If you are investing on a personal basis, any capital gains are not taxable. You need not report such gains in your tax returns.

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CPF

Bonds

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CPF Board
CPF Board
Top Contributor

Top Contributor (Jun)

Level 6. Master
Answered 4w ago
Hi Amos, The fundamental principle is to peg CPF interest rates to returns on investments of comparable risk and duration in the market. In determining the interest rates, there is a need to recognise the fundamental difference in the purpose of the Ordinary Account (OA) compared to the longer-term Special Account, MediSave Account and Retirement Account (or SMRA). The interest rates on the OA and SMRA reflect the durations for which members’ savings are held. OA savings can be withdrawn at any time for home purchases and servicing mortgage loans, etc. It is a liquid account. Therefore, the interest rate on OA has been pegged to the 12-month fixed deposit and month-end savings rates of the major local banks. However, unlike market interest rates, it pays a guaranteed floor rate of 2.5%, or 3.5% for OA balances of up to $20,000. On the other hand, the SMRA are for longer-term retirement and medical needs. As such, the interest rate on the SMRA aim to be equivalent to what a 30-year SGS would earn, as 30 years is the typical duration for which SMRA monies are held. As the 30-year SGS did not exist when the government made changes to the interest rate structure in 2007, SMRA rates were pegged to the yield of 10-year SGS plus 1%. The current yield on the 30-year SGS, which is not widely traded, is around 3%. This is well below the minimum interest rates of 4-5% that are currently paid on SMRA accounts. To find out more, you can visit: https://www.mof.gov.sg/Policies/Our-Nations-Reserves/Section-IV-Is-our-CPF-money-safe-Can-the-Government-pay-all-its-debt-obligations. Thank you.

Bonds

CPF

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Kenneth Lou
Kenneth Lou
Level 8. Wizard
Answered on 04 Jun 2019
Gonna quote a line in what Alan shared: "Whatever the case may be, when I turn 55, there is no way of knowing if equities would be in a rough patch or not. So, having some money in investment grade bonds makes sense to me. It gives me peace of mind. The CPF is as good as a AAA rated sovereign bond and it is one that pays relatively attractive "coupons"."

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If I were you I will start off with learning about investments before I made any. I jumped blindly into investments before and lost money due to lack of education in the investment instrument. So the first step is to invest in your own knowledge to start your investment journey. If you are busy and this is not your area of interest, engage a professional financial advisor and work through with them. Let me know if you need more info.

Investments

Bonds

Goh Kah Kiat
Goh Kah Kiat, Editor-in-chief at Risknreturns.com
Level 4. Prodigy
Answered on 25 May 2019
The easiest way is through ETFs like the TLT.

Investments

Bonds

Unit Trust

Thaddeus Tan
Thaddeus Tan, Community Lead at Seedly
Level 6. Master
Answered on 31 May 2019
The Fidelity enhanced reserved fund is an investment fund that helps an individual who doesn't wish to take high risks/has a low risk appetite yet still want decent returns. Coupled with the advisory and investment solutions UOB offers, the Fidelity Enhanced Reserve Fund is supposed to be a low-volatility investment that minimises the risks one faces from market fluctuations while at the same time allowing for potentially attractive yields. For more info, you can check it out here.

Investments

Stocks

Bonds

There are 6 asset classes available. Equity Bond Property Commodity/Collectible Cash Alternative/Speculative For commodities, you can learn to trade futures on their prices, hold them physically like gold, or buy funds that invest in such commodities. This would also include things like luxury watches, wine, art. Lastly, for alternative or speculative investments, you could look at forex, crypto currency, some form of short term trading, even gambling. I'd say you can try them out and develop an interest, but I'd still probably limit to 5% of my portfolio for each of these 2 asset classes.
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