S***h
发帖数: 173 | 1 看到一个定期的储蓄计划， 3-5% 的年回报， 每年7200 SGD 的投入， 十年。 基本也
就抵消inflation 了。
大家手上有余钱， 有什么好的投资理财计划？ | a******e
发帖数: 331 | 2 Lots of uncertainties nowadays, some 'experts' recommend cash.
My personel alternatives, just FYI:
Risk low->high
0. Fixed-deposit -> 0.9%?
1. Buy HDB and rent out-> stable and high rental return 5-7% per year
2. Preference share by banks -> 5% return
3. REITs -> 5-9% retrun
4. Business Trust -> 6-10% return
5. FX- AU$ etc about 4% return
6. Buy Condo and rent out -> around 3.5% return
7. High divident shares-> StarHub, Singtel, SPH, KepCorp, SMRT....4-6%
8. Normal shares/options/GLD/OLO etc. -> depend on yourself
Any other inputs, ideas?
【在 S***h 的大作中提到】
: 看到一个定期的储蓄计划， 3-5% 的年回报， 每年7200 SGD 的投入， 十年。 基本也
: 就抵消inflation 了。
: 大家手上有余钱， 有什么好的投资理财计划？
| S***h
发帖数: 173 | 3 Agreed, altitude, cash is the king under current circumstance, wanted to run
a lean ship on short term investment.
On the REITs, Would you recommend the local breed or the Malaysia/HK ones?
Secondly, where do you stand on the fixed deposit with the banks in China?
return is in the neighbourhood of 5-6% per year.
【在 a******e 的大作中提到】
: Lots of uncertainties nowadays, some 'experts' recommend cash.
: My personel alternatives, just FYI:
: Risk low->high
: 0. Fixed-deposit -> 0.9%?
: 1. Buy HDB and rent out-> stable and high rental return 5-7% per year
: 2. Preference share by banks -> 5% return
: 3. REITs -> 5-9% retrun
: 4. Business Trust -> 6-10% return
: 5. FX- AU$ etc about 4% return
: 6. Buy Condo and rent out -> around 3.5% return
| a******e
发帖数: 331 | 4 First of all, I am not expert. I am a EE engineer.
For REIT, I will recommend in S$ since it will still appreciate in long run
vs. US(HK$ peg with US$). I will go for those with low gearing ratio though
the rate is not going up soon. I won't touch office based REIT(not looking
good in possible recession).
For FD in China, I am not sure with the high inflation. I think it is good
time to use RMB to buy hard asset in other countries.
What do you think?
PS: just upgraded laptop and cannot type in Chinese
run
【在 S***h 的大作中提到】
: Agreed, altitude, cash is the king under current circumstance, wanted to run
: a lean ship on short term investment.
: On the REITs, Would you recommend the local breed or the Malaysia/HK ones?
: Secondly, where do you stand on the fixed deposit with the banks in China?
: return is in the neighbourhood of 5-6% per year.
| c*c
发帖数: 146 | 5 我觉得现在这个低利率环境不适合投一个长期的定期
【在 S***h 的大作中提到】
: 看到一个定期的储蓄计划， 3-5% 的年回报， 每年7200 SGD 的投入， 十年。 基本也
: 就抵消inflation 了。
: 大家手上有余钱， 有什么好的投资理财计划？
| S***h
发帖数: 173 | 6 True.
With the current market condition in mind, what would you do?
【在 c*c 的大作中提到】
: 我觉得现在这个低利率环境不适合投一个长期的定期
| K*******n
发帖数: 26 | | h****i
发帖数: 1036 | 8 花掉
【在 S***h 的大作中提到】
: 看到一个定期的储蓄计划， 3-5% 的年回报， 每年7200 SGD 的投入， 十年。 基本也
: 就抵消inflation 了。
: 大家手上有余钱， 有什么好的投资理财计划？
| S***h
发帖数: 173 | 9 Good one.
Iphone Siri kind of answer at best. :-)
【在 h****i 的大作中提到】
: 花掉
| c*c
发帖数: 146 | 10 换成RMB拿高利息
【在 S***h 的大作中提到】
: True.
: With the current market condition in mind, what would you do?
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