Lek H.S

06 May 2021

∙

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:

Accumulate Option: where dividends are reinvested, projected returns 4.7% (net off fees).
4.5% Payout Option: where payouts are distributed from dividends keeping capital intact.
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

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Leo

06 May 2021

Central Provident Fund.

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Frankie Rappaport

06 May 2021

As an example maybe

Lion-Philipp S-REIT ETF

SP500 ETFs have around 1.8% currently...

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Would it be better for me to 1) Contribute to CPF SA to generate a guarantee 4% return and at the same time get tax relief OR 2) Purchase and annuity plan that provides monthly income from retirement?

For a retirement/legacy fund that has a guaranteed yield of 1.83% vs another plan with gtd yield of 1.39%. Does this figure matter in the decision if both plan par fund average return is above 4%.

I'm a beginner investor, low risk taker. What are your views on investing a lump sum in the fidelity funds global multi asset income fund? It's recommended by the bank manager. Any advice?

Should I use Syfe REIT+ if I have I’m planning to put low capital (1-2k) in it? I heard REITs are not useful for low amount. Currently at a young age with risk appetite and savings accounted for alr:)

Should I put my money in a retirement plan that will guarantee 3k monthly retirement income from age 65 + variable bonus (effective interest rate of 4+%)?