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Forum Investments compound interest

Forum Investments compound interest

Forum Investments compound interest

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  • #1170
  • #1664
    M
    MoneySmart.sg
    Keymaster

    Posts: 156

    Joined: Mar 19, 2014

    Expert

    Hey there,

    Yup, unit trusts and stocks are not principal guaranteed like CPF. It’s a different ball game altogether with unit trusts and stocks. While they are not principal guaranteed, they offer higher returns if the investment does well.

    You could look into principal guaranteed endowment plans if you prefer holding on to the principal invested. However, it is recommended to do some research into the projected rates of inflation, now and years to come, so you can get a projection on your returns when going with one of these plans.

    All the best!

  • #1777
    Vincent Chua
    Participant

    Posts: 8

    Joined: Dec 27, 2016

    Beginner

    yls,

    If you are looking for a guaranteed compound interests, then probably you can consider instruments like Endowment Plans (EP), Singapore Savings Bonds (SSB) or Fixed Deposits (FD).

    EPs usually give between 2 to 4% yield, depending on companies, products and time horizon.

    SSBs are generally between 2 to 3%.

    FDs at around 1 to 2%.

    SSBs and FDs are capital protected while the interests are only guaranteed if you hold till maturity.

    For EPs, there are guaranteed and non-guaranteed portions. So do be careful.

     

    • #1960
      l
      llbk85
      Participant

      Posts: 1

      Joined: Jan 02, 2017

      Beginner

      Sorry to say this, but how can you classify FD as compound interests? And EP’s give out 2-4% yield? Not always you know! I think you must be more realistic.

      Many EPs don’t even give you 2%! It depend on IF their return hit a percentage FIRST, like 4% returns, then they give you returns like peanuts 1.8%.

      Bottom line: If you want your spending power to be less than now in 20 yrs time, then go for EP lor…

    • #3302
      H
      Honciu Constantin
      Participant

      Posts: 33

      Joined: Oct 02, 2017

      Beginner

      My name is Honciu Constantin,I am writing to let you know about our Financial service. You might be interested in our service and would like you to know more about our offer and in ways we can benefit both parties. I would like you to propose your visualization to the most suitable solution for the requirement needed. We are eager to indicate the scope of work if possible. We look forward to your response and hope we can cooperate together as we have an offer you will most likely be interested in. For more inquiries contact broker.honciuconstantin@gmail.com
      Best Regards,
      Honciu Constantin

  • #1967
    b
    faizawesome
    Participant

    Posts: 2

    Joined: Jan 09, 2017

    Beginner

    Hi Guys. I am new here, so sorry to interrupt the convo. I think what the earlier guy Vincent, mean is you put in FD for one year, then after one year, take the amount+interest earn put back in FD for another year and do this again and again. Then Walah, compound interest. But if me, I won’t do that. To me it’s damn blardy leceh. Safe, but dammmmmmn leceh. just my 2 cent. haha!

  • #2076
    VG
    Veenay
    Participant

    Posts: 1

    Joined: Feb 21, 2017

    Beginner

    Can you please suggest in Singapore using Monthly investment plan(MIP) how, can i can i investment in emerging markets ETF(India, MY, ID, TH, JP), same like STI ETF. Also Dividend earn should also be automatically re-invested.

    I am currently already doing MIP via DBS bank on Nikko AM STI ETF. I need similar counter for emerging market ETF. Please suggest

  • #2313
    Vincent Chua
    Participant

    Posts: 8

    Joined: Dec 27, 2016

    Beginner

    Hi VG,

    You can do so via respective platform brokerages like Philip Securities etc. However, I’m not sure if they can do automatic re-investment. Need to verify this with the respective platform provider.

    Do note that not all providers carry such ETFs. It’s best you check with the providers to get a clearer picture.

    Btw, you have a very interesting strategy by investing in respective country’s ETF. Just curious, why do you consider such a strategy as opposed to focusing it on just one or two ETFs (e.g S&P500, STI or Emerging markets ETFs)?

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