Where To Invest 100K In Singapore
Having S$100,000 to invest is a significant milestone. Singapore offers numerous investment options, each with different risk-return profiles.
Investment Options Overview
| Asset Class | Expected Return | Risk Level | Liquidity |
|---|---|---|---|
| Stocks (STI) | 6-10% | Medium-High | High |
| Bonds/SSB | 2-4% | Low | Medium |
| REITs | 5-8% | Medium | High |
| Property | 3-6% + appreciation | Medium | Low |
| Precious Metals | 5-10%* | Medium | Good |
| Fixed Deposits | 2-3% | Very Low | Medium |
Sample Conservative Portfolio (S$100K)
| Asset | Allocation | Amount | Purpose |
|---|---|---|---|
| Singapore Savings Bonds | 30% | S$30,000 | Stability |
| Blue Chip Stocks | 25% | S$25,000 | Growth |
| REITs | 20% | S$20,000 | Income |
| Gold Bullion | 15% | S$15,000 | Hedge |
| Silver Bullion | 5% | S$5,000 | Growth |
| Fixed Deposit | 5% | S$5,000 | Emergency |
Why Include Precious Metals?
| Scenario | PM Behavior | Benefit |
|---|---|---|
| Stock Market Crash | Gold often rises | Offsets losses |
| High Inflation | Gold preserves value | Maintains purchasing power |
| Currency Crisis | Gold independent | Protection from SGD weakness |
Tax Efficiency
| Investment | Tax Treatment |
|---|---|
| Precious Metals (IPM) | GST-exempt, No CGT |
| Stocks | No CGT |
| Dividends | Tax-free (SG stocks) |
| REITs | No CGT |
For precious metals, start with BullionStar for competitive pricing and integrated storage.