💼 Investment Options for $300,000

 

1. 🏦 High-Interest Accounts & SSBs (Safe & Liquid)

Instrument	Return (2025 est.)	Notes
Singapore Savings Bonds (SSBs)	~3.3% p.a. (10-year avg)	Safe, government-backed, flexible redemption
T-Bills (6M/1Y)	~3.7–3.9% p.a.	Good for short-term parking
High-yield bank accounts	~2–3.5% p.a.	Requires salary credit/spending

✅ Suggestion: Park $50k–$100k here for liquidity and emergency use.

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2. 💵 Dividend Stocks / REITs (Income Focused)

Asset	Est. Yield	Examples
SGX REITs	5–7%	CICT, MLT, FCT, Keppel DC
Dividend Stocks	4–6%	DBS, UOB, Singtel, SGX

✅ Suggestion: Allocate $100k–$150k here for steady passive income.

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3. 🧾 Fixed Income Funds / Bond ETFs

Option	Yield	Examples
Bond ETFs (e.g. Nikko ABF, iShares Asia Bond)	~3–4%	Steady returns, moderate volatility
Fixed Income Unit Trusts	~4–5%	Actively managed, CPF/OA-eligible options available

✅ Suggestion: $50k–$100k for lower risk + stability.

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4. 📈 Global ETFs / Balanced Portfolio (Growth + Diversification)

Allocation	Funds / ETFs	Notes
60/40 Stocks/Bonds	IWDA (global stocks) + AGGU (global bonds)	Simple and effective long-term core portfolio
Target Date Funds	e.g. Endowus, StashAway, Syfe	Automatically adjusted as you age

✅ Suggestion: $50k–$100k for growth with risk control.

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5. 🏠 Alternative Assets (Optional / Higher Risk)

Option	Notes
Private REITs / Real estate	For income + inflation hedge
Robo-advisors (e.g. Syfe REIT+, Endowus Income Portfolio)	Professionally managed, tailored to income or growth
Structured notes / insurance-linked plans	Complex, use with caution

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💡 Sample Portfolio Allocation (Moderate Risk, Age 55+)

Category	Allocation	Notes
Emergency / SSBs / T-Bills	$50,000	Capital safety + flexibility
Dividend REITs & Stocks	$100,000	Income generation (5–6% yield)
Bond ETFs / Income Funds	$75,000	Lower volatility, steady returns
Global ETFs / Growth Assets	$50,000	Long-term appreciation
Cash buffer / Flex funds	$25,000	For near-term expenses

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⚠️ Things to Watch Out For

• Don’t chase high yields blindly – assess risk!

• Keep at least 6 months of expenses in liquid form.

• Review tax efficiency, especially for foreign investments.

• Consider estate planning and CPF LIFE top-up if you want guaranteed income.