$DBS(D05.SI)$ **DBS Group Holdings (D05.SI) remains a strong investment** due to its leadership as Singapore’s largest bank, superior fundamentals, and reliable shareholder returns in Asia’s wealth hub. It boasts high ROE (~16%), a resilient balance sheet (CET1 ratio 15.1%), stable NPLs at 1%, and diversified revenue. 3Q2025 delivered record total income of S$5.93bn (+3% YoY), with wealth management fees surging 30% to S$796m—now half of fee income—as affluent inflows boost Singapore’s role as a global wealth centre. Dividends shine: trailing yield ~5.1% at recent S$57.40 price, with 2026 ordinary dividends rising to S$0.66 quarterly (+S$0.06) plus S$0.15 capital returns, annualising ~S$3.24. Ongoing S$3bn buybacks (only ~12% used) and potentia
🌟🌟🌟I invest in $SPDR Portfolio S&P 500 ETF(SPYM)$ because it is the simplest, lowest cost way to own the full strength of America's economic engine - from world leading tech innovators to resilient consumer and industrial giants. SPYM is the mini version of $SPDR S&P 500 ETF Trust(SPY)$ with a super low expense ratio of just 0.02%. While the market swings between fear and euphoria, SPYM rewards consistency and patience, letting time do the heavy lifting. That is why it stays in my portfolio. Investing does not have to be complicated with SPYM.🥰🥰🥰🌈🌈🌈💰💰💰 @Tiger_comments