koolgal
2025-11-15
๐ŸŒŸ๐ŸŒŸ๐ŸŒŸCan a single stock be enough for retirement? My answer is No. Retirement isn't just about returns. It is about resilience & reliability. A single stock is like a soloist in an orchestra. I need the entire orchestra to create the magic of compounding. 

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

Which Stock is Your Retirement Pick?
Some Tigers said: โ€œIโ€™m counting on OCBC for my retirement." There are different choices for Singaporeans. Bank-retirement camp: Holding bank stocks long-term = steady happiness. REIT camp: Relying on cash flow for retirement feels more secure. Itโ€™s really about that feeling of โ€œgetting paid every yearโ€: 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?
Disclaimer: Investing carries risk. This is not financial advice. The above content should not be regarded as an offer, recommendation, or solicitation on acquiring or disposing of any financial products, any associated discussions, comments, or posts by author or other users should not be considered as such either. It is solely for general information purpose only, which does not consider your own investment objectives, financial situations or needs. TTM assumes no responsibility or warranty for the accuracy and completeness of the information, investors should do their own research and may seek professional advice before investing.

Comments

  • Jozz02
    2025-11-16
    Jozz02
    Well said! Iove how you use โ€œmusic of compoundingโ€, โ€œdivisified bento boxโ€ and โ€œretirement banquetโ€ in your narations[Heart]
    • koolgal:ย 
      I like to add some zest and colourful words to what would normally be a dry subject.
    • koolgal:ย 
      Best of luck ๐Ÿ€๐Ÿ€๐Ÿ€
    • koolgal:ย 
      Happy Sunday ๐Ÿ–๏ธ๐Ÿ–๏ธ๐Ÿ–๏ธ
    • koolgal:ย 
      May you have a winning week ahead ๐ŸŒˆ๐ŸŒˆ๐ŸŒˆ๐Ÿ’ฐ๐Ÿ’ฐ๐Ÿ’ฐ
    • koolgal:ย 
      Appreciate your support and positive feedback ๐Ÿฅฐ๐Ÿฅฐ๐Ÿฅฐ
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