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You are here: Home / Archives for CPF Matters

You are viewing articles categorised under CPF Matters

Is fixed deposits the best place to save?

27, June 2009 by Wilfred Ling Leave a Comment

No, fixed deposits could be the worst place to save to. Firstly, when you place money with a bank, the bank will always try to ask you to invest in some structured products and "favor of the month. You will be constantly harassed. Secondly, only the amount insured by the Singapore Government is safe. Anything that is not insured is subjected to the credit risk of the bank. Thus, if the bank … [Read more...]

Filed Under: CPF Matters, Investments

How to get triple digits in dividends

21, June 2009 by Wilfred Ling Leave a Comment

Let's assume the dividend yield is 3% per annum. To get $100 in dividends per year, you will need to have a portfolio size of 100/0.03=$3,333.00. This assumes that the expense ratio do not exceed 3% in a year otherwise there will be no dividends. Many unit trusts have expense ratio + hidden fee exceeding this amount. It is best to consider using ETFs for a low cost and diversified instrument. … [Read more...]

Filed Under: CPF Matters, Investments

What is the best risk-free rate in Singapore?

23, December 2007 by Wilfred Ling Leave a Comment

During a Christmas gathering with friends, someone asked me for a question: What is the best risk-free instrument in Singapore? It was an easy question. My answer to that was: There is no risk-free instrument in Singapore. Traditional risk-free instrument is associated either with a bank deposit (preferably linked wiith the Singapore goverment) or the Singapore Government Securities (SGS). But we … [Read more...]

Filed Under: CPF Matters, Investments

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