NTUC Capital Plus is a very popular short-term savings plan in Singapore with Guaranteed interest. The insurer NTUC INCOME has just launched a new tranche CSN1. This tranche is a 3-year single premium endowment plan Non-participating – meaning no bonus, all returns are guaranteed. Guaranteed returns of 2.18% per annum This tranche offers slightly better […]
Best 3-Year Endowment Plan: China Taiping Offers 2.38% Guaranteed Yield
Where can you get Guaranteed Return without locking in your capital for long in the uncertain world today? You should consider short-term endowment plans. Endowment plan is the simplest form of investment. You pay a premium to the insurer promises you a guaranteed return in a fixed number of years. In the past couple of years, […]
Singapore Savings Bonds – Why I Am Not so Excited About It as Retirement Option
For a very long time, Singaporeans were deprived of investing in good financial products. Bond has always been the cornerstone of financial institutions and high net worth individuals’ investment portfolio. However, most bonds in Singapore had a high entry barrier such as $250,000 which makes it exclusive to the wealthy. When retail investors battling in stock […]
Endowment Plan: NTUC Capital Plus New Tranche Offers 2.15% Guaranteed Return (CPN36)
NTUC Capital Plus is a very popular short-term savings plan in Singapore with Guaranteed interest. The insurer NTUC INCOME has just launched a new tranche CPN36. This tranche is a 3-year non-participating, single premium endowment plan Guaranteed returns of 2.15% p.a This plan also provides protection against death, and total and permanent disability (TPD) during […]
How to Invest Your SRS Account: The Complete Guide
Supplementary Retirement Scheme (a.k.a. SRS) is not strange to most Singaporeans. It is a deferred tax scheme which helps you save for the future while reducing your tax expenses now. If you are mid to high-income earners, SRS is a great way to save tax in addition to CPF top-up tax relief. For example, if […]
High Yield Bond: Why You Need It in Your Retirement Investment Portfolio
In this blog, I talk a lot about Income Generating Asset (IGA). Without passive income from these IGAs, you simply have no means to retire. If you have not allocated high yield bonds in your investment portfolio, you should read on. Many Singaporeans prefer dividend stocks for their retirements, it is a good strategy. The […]