Which Stock is Your Retirement Pick?
This week, $OCBC Bank(O39.SI)$ hit a new high, reaching SGD 18.8!
Some Tigers said: “I’m counting on OCBC for my retirement. It’s up over 80% in the past 5 years—just holding it gives me peace of mind.” OCBC remains the cheapest among the Big Three banks, and its earnings continue to perform steadily.
But… can a single stock really be enough for retirement?
Bank-retirement camp: Holding bank stocks long-term = steady happiness.
REIT camp: Relying on cash flow for retirement feels more secure.
It’s really about that feeling of “getting paid every year”: CICT, MIT, FLCT, MLT.
These can also be bought with CPF or through Endowus, making long-term holding even easier.
CPF balances can be used to buy Singapore stocks.
Endowus helps with tax savings and gives access to a wider variety of funds!
So, which is your retirement stock?
Join our discussion!
Are you buying it with CPF, holding through Endowus, or do you have your own retirement portfolio?
Your most trusted “core retirement assets”
What long-term holdings you’ve bought with CPF / SRS / cash
Each participating tiger would get at least 5 tiger coins!
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A single stock is like putting a one egg in 1 basket. It is fragile, risky and emotionally volatile. It might hatch into something beautiful or crack under pressure. There is no back up, no room for error.
I would prefer to have the 3 Singapore Big Banks plus SReits into 1 Diversified Bento Box.
My Singapore Bank Stocks $DBS(D05.SI)$ $OCBC Bank(O39.SI)$ $UOB(U11.SI)$ are like the protein in my Bento Box - solid, dividend rich and built for long term strength.
SReits like CICT and Ascendas are my grains and greens - steady cash flow, inflation resistance and global exposure.
Together they offer me Income + Growth, Stability + Liquidity.
That is how I create my retirement banquet.
@Tiger_SG @TigerStars @TigerClub
在银行和REITs之间，我还是倾向于银行作为我的基础。房地产投资信托基金提供了良好的现金流，但星展银行和华侨银行已经证明它们可以应对周期、增加股息并保持弹性。它们给了我所寻求的长期信心，而不需要密切监控它们。
我使用公积金和现金持有它们——公积金用于严格的长期增长，现金用于在估值有吸引力的情况下进行增值。以星展银行和华侨银行为核心，我觉得自己处于稳定的退休投资组合的有利位置，并且从长远来看，我很乐意围绕这两家银行进行投资。
@Tiger_SG @TigerStars @Tiger_comments
The question for retirement is what is the goal of retirement? If the goal is to pay living expenses from high cost dividend income then banks provide certainty of income. If the goal is to not pay living expenses from dividend income then capital growth is the target. $OCBC Bank(O39.SI)$ is a high quality bank with share price growth at $ 18.8 per share which is a discount to future earnings
你是用公积金购买，通过捐赠持有，还是有自己的退休投资组合？
您最信赖的“核心退休资产”
您用CPF/SRS/现金购买了哪些长期持股
每只老虎将获得至少5个老虎币！
I'm not an expert, but even by reading up, I know that banks will take a hit when interest drops, and REIT climbs when interest drops.
So a good mix of both, would give steady returns allowing for a peace of mind.
As everyone will say, do some reading up, don't just buy into a hype, lest you get into a Tesla situation where the P/E ratio is ridiculous, and you have to worry whether you can still make bank, before the dream turns into a nightmare.
I practice “partial concentrated investing,” keeping around 70% of my portfolio in my top four stocks: UNH, NVDA, ADBE, and BABA. I plan to increase my holdings in these stocks over time. If I had to choose just one for retirement, it would be UNH, as it also provides a decent dividend.
Hoping that Tiger can improve the cash boost account display for bought stocks to be same as Prime. It’s not easy to manual count each reit purchase with SRS funds in cash boost account via the Order button.
🐯🐯🐯
公積金餘額可用於購買新加坡股票。
Endowus有助於節稅，並提供更廣泛的資金