Best Investment in Singapore

Best Investment in Singapore
Table of Contents

What to invest in Singapore

‍There are many types of investments in Singapore:

  • Stocks and shares,
  • Alternative Investments,
  • Real Estate Investment Trusts, 
  • Exchange-Traded Funds, 
  • Supplementary Retirement Scheme, 
  • CPF Investment Scheme, 
  • Singapore Savings Bonds, 
  • Singapore Government Treasury Bills,
  • Singapore Government Bonds,

and others.

Opportunities include safe investments that generally come with lower returns, or higher risk options that can provide you with greater upside. If you are wondering where you should invest your money for greatest returns, it is important to consider how much risk you are willing to take, and what you hope to achieve in the long run.

For instance, if you are looking for low-risk investments that provide lower but guaranteed returns, the Singapore Savings Bonds, which are issued and backed by the government and have a low minimum investment amount of SGD 500, would be an ideal choice. Another choice would be to invest in the CPF Investment Scheme or Supplementary Retirement Scheme, which provides both tax benefits to investors as well as guaranteed returns.

Alternatively, if you are looking for higher returns, you can consider investing in financial products such as ETFs, Real Estate Investment Trusts (REITs), and stocks. These financial products offer higher returns, but naturally, they also come with slightly higher risks. However, if you are seeking even higher returns, you can explore alternative investments such as peer-to-peer lending or debt financing.

Alternative investments are generally not readily available to retail investors, and often come with minimum investment amounts. They may also be less liquid as they are not publicly traded.


Types of investment

Let's take a closer look at some of the types of investments:

Type of Investments Risk Returns
(Average Annual Returns)
Stocks (Individual companies) Higher Potentially high
Alternative Investments (Private lending markets) High Potentially high
Real Estate Investment Trusts (REITs) Medium Medium
Exchange-Traded Funds (ETFs) Medium Medium
Supplementary Retirement Scheme Low Guaranteed but low
CPF Investment Scheme Low Guaranteed but low
(Depends on individual portfolios.
Singapore Savings Bonds Low Guaranteed but low

For a fullguide on the CPF Investment Scheme, read our article "CPF Investment Scheme (CPFIS): How To Use it To Generate High Income".

Alternative Investments

Alternative investments are methods of investing in Singapore that are not related to traditional financial products such as stocks or bonds. They often include assets such as private equity, hedge funds, commodities, real estate, and lending.

Alternative investments in Singapore have grown rapidly over the past few years, with findings from MAS being provided to support this. For instance, Preqin, a trusted investment data firm, suggested that the industry can grow at a compound annual growth rate of 9.3% from 2021 to 2027, as compared to between 4 to 6% for the global asset management industry.

An example of alternative investing in Singapore is Kilde, which is a Singapore-based technology platform that offers institutional and accredited investors a safe and hassle-free way to gain exposure to alternative assets. With a team of acute analysts, Kilde analyzes and evaluates their investments across various metrics, such as covenant monitoring, collateral assessment, and contractual arrangements.


Kilde primarily deals with private debt deals which provide lucrative yet safe returns of up to 13.5%* per year. To date, Kilde has generated 11.9% net returns annually for investors with 0.0% default since inception. Your investment will be managed for fees as low as 0.5% with early redemption every three months and monthly coupons provided.

In other words, for investors who are seeking an opportunity to access a unique form of investment that may not be easily accessible, and for those who are looking for greater returns, Kilde’s offers an excellent entry for you to start making an effective and intelligent investment.

Asset Class Average Compound Annual Growth Rate (CAGR) Forecast
Alternative Investments 9.30%
REITs 2.80%
ETFs 17%
Commodities 1.49%

Sources of information are listed at the bottom of the article.


Stocks are also commonly referred to as equities, which represent ownership in a company. When purchasing stocks, you become a shareholder of the company, and you can benefit from the growth of the stock’s value if the company grows and starts to earn more profit. This will then allow you to sell your stocks for a profit. Similarly, if the company performs worse, the value of the stocks will go down, and you will have to hold on to your stocks or sell them at a loss.

Investors generally do research on companies that they are interested in, evaluate their financial statements, and look at the general market sentiment, before making an informed decision on whether or not they would eventually like to invest.

Stocks that are most popularly invested in include:

Stock Dividend 1Y Return 5Y Return
Apple Inc. (AAPL) 0.96% 39.80% 318.50% Inc. (AMZN) N/A 68.70% 77.10%
Tesla, Inc. (TSLA) N/A 110.10% 1013.40%
Nvidia Corporation (NVDA) 0.03% 230.40% 1173.30%
Meta Platforms, Inc. (META) N/A 170.70% 118.00%


Real Estate Investment Trusts (REITs)

REITS are popular investment options in Singapore as they offer investors with an easy entry to the real estate market. You do not need to have enough capital to purchase a property, and you also do not need to worry about having to own and manage the physical property. REITS are companies that specialize in owning and managing income-generating properties, such as office buildings, residential properties, and commercial buildings. By investing in a REIT, you are essentially buying a portion of the company and its portfolio.

Investors like investing in REITs as they serve as a way to diversify your portfolio. This is because investing in it allows you to invest across properties in different regions and sectors. Furthermore, REITs generally provide investors with high dividends. This is because REITs in Singapore do not have to pay corporate tax if they distribute at least 90% of their taxable income as shareholder dividends. As such, your investments in REITs can provide you with a way to generate passive income.

Here are some of the top performing REITs in Singapore over the past five years:

REIT Dividends 1Y Return 5Y Return
Keppel DC Reit (AJBU) 5.55% -1.60% 27.80%
Mapletree Industrial Trust (ME8U) 4.05% 9.73% 24.00%
Capitaland India Trust (CY6U) 6.00% -3.45% -0.90%
Mapletree Logistics Trust (M44U) 5.41% 4.38% 21.00%
ParkwayLife Reit (C2PU) 3.98% -1.60% 28.20%
Frasers Logistics & Commercial Trust (BUOU) 6.23% -5.04% 2.72%


Exchange-Traded Funds (ETFs)

What are ETFs? ETFs are investment funds that track the performance of an index or sector of the market. These financial products can be traded like stocks and offer investors a great way to diversify their portfolios. ETFs are also extremely liquid, which means that you will be able to retrieve your invested capital in a short period of time if necessary. ETFs also provide an extra advantage of lower fees than mutual funds. However, investing in ETFs comes with risks involved with market fluctuations. Strong market performance will also lead to greater returns. For example, investing in tech ETFs in 2021 would have likely generated excellent returns as the tech sector outperformed the general market.

The following are some of the most popular ETFs in the world:

ETF Dividends 1Y Returns 5Y Returns
SPDR S&P500 ETF Trust (SPY) 1.40% 20.60% 67.90%
Vanguard Total Stock Market ETF (VTI) 1.44% 20.10% 62.50%
Invesco QQQ Trust Series I (QQQ) 0.62% 47.50% 129.10%
Vanguard Information Technology ETF (VGT) 0.65% 44.40% 139.10%


Supplementary Retirement Scheme

The Supplementary Retirement Scheme (SRS) is another investment scheme available in Singapore with significant benefits to investors. Contributions to the SRS are tax-deductible which can help you lower the amount of income tax owed. Both Singaporeans and PRs can contribute up to $15,300 per year under this scheme. In addition, the returns generated are also tax-free until a withdrawal is made, which puts investors in a better position to turn a profit than keeping their money in a regular savings account. These contributions are then managed and invested across a diversified portfolio of financial products.

Consider, for example, if your monthly wage is S$6,700, your CPF contribution would be S$1,260 monthly (which is 20% of the initial S$6,300 earned each month), providing you with substantial tax advantages. To demonstrate the tax savings from making contributions to your Supplementary Retirement Scheme (SRS) account, let's contemplate the following scenario: * CPF Tax Relief at S$15,120, * Earned Income Relief at S$1,000, and an * SRS Contribution of S$10,000.

Without SRS With SRS
Annual Income S$80,400 S$80,400
Tax Relief S$16,120 S$16,120
SRS Contribution S$0 S$10,000
Chargeable Income S$64,280 S$54,280
Income Tax Payable S$2,249.60 S$1,549.60

Please note that these amounts are purely for demonstrative purposes, and additional tax reliefs may be applicable based on your particular circumstances, such as your life stage and age. For a precise calculation of your eligible tax reliefs and income tax obligations, it is recommended to use the IRAS Tax Calculator.

By channeling S$10,000 into your SRS account annually, you stand to reduce your tax expenditure by S$700 each year.

However, it's important to remember that the SRS account yields an interest rate of only 0.05%. To enhance the value of your SRS funds, consider utilizing them for investments in other financial instruments.

Please note that you may only start withdrawing from your SRS account at the age of 62. Otherwise, you may be subjected to penalties, which will diminish your overall returns. Hence, SRS is considered to be less liquid, and should be considered primarily for building up your retirement savings.

CPF Investment Scheme

The CPF Investment Scheme (CPFIS) is an investment scheme in Singapore that allows both Singaporeans andPermanent Residents to invest their CPF (Central Provident Fund) savings. You can choose to invest across different financial assets such as stocks, bonds, REITs, or unit trusts.

Two distinct programs are available for your investment ventures, each with its own set of permissible investment products and funding sources. The essential distinctions between these schemes are outlined in the accompanying table:

Source of funds OA balance after the first S$20,000 SA balance after the first S$40,000
What you can invest in Singapore Government Bonds, ETFs, Unit trusts, ILPs, T-bills, Fund Management Accounts Singapore Government Bonds, Unit trusts, ILPs, T-bills
Restrictions 1. An initial reserve of S$20,000 is required.
2. Up to 35% of the available investible sum may be allocated to equities, corporate debentures, and real estate investment pools.
3. A maximum of 10% of the available investible funds may be directed into gold and various gold-related instruments.
1. An initial deposit of S$40,000 is required.
2. Investments in equities, corporate bonds, real estate funds, gold, and gold-associated products are prohibited.

When selecting investments for your CPF savings, consider whether the potential returns substantially outpace the standard CPF interest rates of 2.5% for the Ordinary Account (OA) and 4% for the Special Account (SA). Should the prospective gains not markedly exceed these rates, it may be more prudent to allow your CPF funds to accumulate undisturbed, ensuring a stable, risk-averse augmentation of your savings.

Singapore Savings Bonds

Bonds are debt instruments that are designed to generate steady returns over a long period of time. Singapore Savings Bonds (SSBs) are similar, and are among the safest investment options available in Singapore. SSBs are issued and backed by the government. SSBs provide investors with an option for a low-risk investment. In addition, investors can also expect to generate greater returns as compared to traditional savings accounts.

SSBs are extremely flexible, with different maturity dates offered from between one to ten years. Investors in Singapore can thus choose between investing their money for a shorter or longer period of time, which ultimately depends on their personal investment goals. SSBs offer a step-up interest rate, whereby interest rates go up over time as the bond approaches its maturity date. SSBs also come with a guaranteed return of capital of maturity, whereby investors can expect to receive their initial investment alongside the interest earned when the bond reaches maturity.

While bonds are considered to be a safer type of investment, they tend to generate lower returns. 

Since its introduction in October 2015, the Singapore Savings Bonds (SSB) have offered an incrementally increasing interest rate, culminating at the end of a 10-year period. The design is such that the yields are modest in the initial stages and progressively escalate if the bond is retained, rewarding investors for their long-term commitment.

Observing the trend since the SSB's inception, the rates for each issue, should you commit for the full decade, have been noteworthy. The SSB is distinguished by its high liquidity, permitting investors to liquidate their holdings at any juncture without concern for fluctuating market prices. Typically, this means the SSB's interest rates are expected to be relatively lower, yet closely aligned, with those of other government securities without this liquidity provision.

SSB 10-year annual return

As per the data shown earlier, it's evident that SSB's interest rates experienced a declining pattern at the outset of 2019, only to rise significantly in line with the upticks in inflation and Federal Reserve rate increments. The most recent SSB tranche, issued in October 2023, boasts a 10-year annual yield of 3.32%. Opting to retain the SSB for just one year still yields a respectable 3.21%.

What's particularly notable is that the one-year yield for the October batch surpasses the decade-long average return of the preceding September issue. This is indicative of the current economic climate, which favors a 'higher for longer' interest rate scenario.

Interested in earning up to 13.5%* per annum?
Try alternative investments with Kilde here.

What Are the Risks in Investments?

Investment risks can be broadly classified into three distinct categories, each reflecting a different level of potential return and uncertainty. These are:

  • Low Risk
  • Medium Risk
  • High Risk

Understanding and aligning your investments with these risk categories is essential. It not only helps in achieving your financial goals but also ensures that you invest within the bounds of your personal risk tolerance.

Low-Risk Investment Options

Low-risk investments are typically characterized by their stability and relatively predictable returns, albeit often lower compared to higher-risk investments. Examples in Singapore include:

  1. Singapore Savings Bonds (SSBs): These government-backed bonds offer guaranteed returns and are considered one of the safest investment options.
  2. Central Provident Fund (CPF) Investment Scheme: Allows investing CPF savings in lower-risk instruments.‍
  3. Fixed Deposits: Offer fixed interest rates over a specified term, providing a steady, albeit modest, income.These options are suitable for conservative investors who prioritize capital preservation over high returns.

These options are suitable for conservative investors who prioritize capital preservation over high returns.

Medium-Risk Investment Options

Medium-risk investments offer a balance between the safety of low-risk investments and the higher returns of high-risk options. Some medium-risk options include:

  1. Real Estate Investment Trusts (REITs): While providing higher yields than bonds, they carry more risk due to market volatility and real estate market fluctuations.‍
  2. Exchange-Traded Funds (ETFs): These funds track various indices and provide diversification, which can mitigate some risks.

These are ideal for investors seeking a balance between risk and return.

High-Risk Investment Options

High-risk investments come with the potential for high returns but also carry a significant possibility of capital loss. Common high-risk options in Singapore are:

  • Stocks (Equities): Individual stocks can offer high returns but are susceptible to market volatility.
  • Alternative Investments: Includes private equity, hedge funds, and cryptocurrencies. These are less regulated and more speculative.
  • Peer-to-peer lending: This involves lending money to individuals or businesses through online services that match lenders with borrowers.

These investments are suitable for experienced investors with a higher risk tolerance and a longer investment horizon.

How to Protect My Portfolio?

To safeguard your investment portfolio, consider the following strategies:

  1. Diversification: This involves spreading your investments across various asset classes to reduce the risk of a significant loss.
  2. Regular Market Analysis: Stay informed about market trends and economic indicators that can impact your investments.
  3. Studying Financial Reports: For stock investments, analyze the financial health of companies through their earnings reports and financial statements.
  4. Risk Assessment: Regularly assess the risk level of your portfolio and adjust your investment mix as necessary.
  5. ‍Professional Advice: Consult with financial advisors for personalized investment strategies and insights.

By implementing these strategies, investors can better manage their portfolio risks and navigate the complexities of the investment landscape.

Best way to invest in Singapore

When it comes to investing in Singapore, there are a variety of online platforms and brokerages that you can consider. Some popular options include DBS Vickers, Saxo Markets, and StashAway. Each of these platforms in Singapore differ in terms of the services they offer and the fees they charge, so it is important to do your research and compare them before choosing a platform or advisor that best suits your needs.

If you’re interested in alternative investments, consider Kilde. Sign up here and try out a new and effective investment strategy today.

Best Investment Plans in Singapore

When deciding on which is the best investment plan in Singapore and what to invest in, it is important to consider the following factors:

  • Long-term goals, 
  • Time horizon,
  • Risk appetite. 

Investment strategies commonly fall into one of the following three categories:

  1. Long-term growth. For investors looking to grow their wealth over a longer period of time, a diversified portfolio of ETFs or blue-chip stocks may provide a source of diversification as well as a good balance of risk exposure and potential for growth.
  2. Short-term income. Investors looking for steady income in the short term may consider investing in REITs or bonds.
  3. High risk, high reward. For those willing to take on higher risk in exchange for potentially higher returns, alternative investments like private equity or the private lending market may be an option to consider.


Investing in Singapore is not as confusing as it seems and there are many opportunities for investors of all risk profiles and goals. By conducting the necessary research and working with a trusted platform or advisor, you can make informed decisions that help you identify what to invest in and how you can set yourself up for the best investment strategy in Singapore. 

It is important for you to keep your portfolio diversified such that you can reduce the overall risk that you are exposed to. Additionally, there may be unexpected short-term market fluctuation. As such,it might be wise to make consistent investments periodically so that you are not fully exposed to sudden market downturns.

All in all, investing can be a powerful tool for building wealth and achieving financial goals. However, you should approach investing with caution and a responsible mindset. By taking the time to educate yourself on the basics of investing, assessing your financial situation, and selecting investments that align with your values and goals, you can make informed decisions that benefit your financial future. 

Remember to avoid get-rich-quick schemes and seek professional guidance when needed. With patience, diligence, and responsible investing practices, you can set yourself on a path towards a more secure financial future.


Sources of information on Best Investment







*KILDE PTE LTD (“Kilde”) is incorporated in Singapore (registration no. 201929587K) is licenced and regulated by the Monetary Authority Singapore and holds a Capital Markets Services Licence (CMS101016) and an Exempted Financial Advisor License under the Financial Adviser Act. The information provided in this marketing material is intended for “accredited investors” and “institutional investors” (collectively “qualified persons”) only. This marketing material, and any information in this marketing material, or any documentation that Kilde provides in relation to this marketing material is provided without any representation or any kind of warranties whatsoever (whether express or implied by law).

This advertisement has not been reviewed by the Monetary Authority of Singapore.

The views expressed in this blog post are solely my personal opinions and do not constitute professional financial advice. I am simply sharing my opinions with no guarantee of accuracy or completeness. No reader should make decisions based solely on the contents of this blog post. Readers should consult their own financial advisor before making any investment decisions. Neither the author of this blog post, Kilde, nor its employees will be held liable for any financial losses or damages that may result from the use of the information contained herein. Investing contains risks, including total loss of capital. Past performance does not guarantee future returns. Please conduct your own research before investing.

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Oleg Kryukovskiy
The founder & co-CEO of KILDE
Radek Jezbera
Founder & co-CEO of KILDE, a regulated platform for alternative investments.
Aleksandra Yurchenko TEST
Aleksandra is managing investor relations at KILDE
Aleksandra Yurchenko
Aleksandra is managing investor relations at KILDE


What is the best investment in Singapore?

There are various investment options available in Singapore, from stocks and shares to mutual funds and property. The best investment for you depends on your financial goals, risk appetite, and investment horizon. For instance, if you are looking for long-term gains, property investment is a good option. On the other hand, if you have a high-risk appetite and can handle the market fluctuations, then stocks and shares can be a lucrative investment. Alternative investments can provide high returns. For example, the Kilde platform offers up to 13.5*% p.a.

How to open an investment account in Singapore?

You need to have a valid identification card or passport, proof of address, and a minimum deposit amount. You can approach a bank or financial institution in Singapore to open an investment account. The account opening process usually takes a few days, and you will need to fill out application forms and provide personal information.

Which investment platform is best in Singapore?

There are several investment platforms available, both online and offline. They offer different fees, services, and features. Some popular investment platforms in Singapore are DBS Vickers, Phillip Securities, and OCBC Securities. Among alternative investments, the Kilde platform, which offers up to 13.5*% per annum, is well known. It is advisable to compare the fees and services offered by different platforms and choose the one that suits your investment needs.

Where to invest in Singapore?

Singapore offers a multitude of investment avenues. Individuals can invest in the Singapore Stock Exchange (SGX) for shares and bonds, real estate for property investment, the Central Provident Fund (CPF) for retirement savings, and various other channels such as startup ventures, peer-to-peer lending platforms, and robo-advisors for diversified portfolios.

How to invest in Singapore with little money?

For those starting with a smaller capital, Singapore has several options. Consider Regular Shares Savings (RSS) plans that allow you to invest in stocks with as little as SGD 100 per month. Alternatively, robo-advisors and digital investment platforms can start with minimal amounts, offering a hands-off approach to growing your wealth over time.

What is the best investment in Singapore?

Determining the 'best' investment depends on individual risk tolerance, investment horizon, and financial goals. Historically, real estate and equities have been popular for long-term growth. For the risk-averse, Singapore Savings Bonds (SSBs) and fixed deposits are considered stable options. It's advisable to consult with a financial advisor to identify the best investment tailored to your profile.

What to invest in Singapore?

Investment choices in Singapore are diverse. These can range from stocks, bonds, Exchange-Traded Funds (ETFs), Real Estate Investment Trusts (REITs), to more conservative options like SSBs and time deposits. Additionally, investment in one's own education or skillset is also considered a valuable asset in the evolving economic landscape of Singapore.

What is a safe investment in Singapore?

Safe investments typically refer to those with lower risk and more predictable returns. In Singapore, government bonds such as SSBs, CPF top-ups, and fixed deposits are considered safe due to their stable nature and government backing. Insurance investment products with capital protection are also deemed secure, although the returns might be modest compared to equities or property investments.

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