Why 8 Out of 10 SGX Dividend Stocks Fail The CPF Retirement Test | EP1641🦖

The Investing Iguana

Why 8 Out of 10 SGX Dividend Stocks Fail The CPF Retirement Test | EP1641🦖

Everyone talks about “beating CPF” like it is a bonus. I am starting to think that for most popular SGX dividend stocks, just matching your CPF Special Account is already a stretch once you factor in gearing and dividend cut risk. The surprise from this week’s audit is simple: the problem is not low yields, it is how tiny the gap is between your so-called income stocks and the 4 percent sanctuary you already own.

If you are sitting on a portfolio of high-yield counters because they feel safer than growth stocks, you need to know which names are actually paying you a real premium over CPF and which ones are quietly paying you less for more risk. When I stack a 4.55 percent stock against 4.0 percent guaranteed CPF SA interest, the 0.55 percent spread suddenly looks very small for the amount of volatility and debt exposure you are swallowing. That is the lens I am using in today’s breakdown of ten of Singapore’s favourite dividend counters.

📺 YouTube: https://youtu.be/F4kJOdtX-A8

📩 Substack: https://investingiguana.com/p/why-8-out-of-10-sgx-dividend-stocks

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I am starting to think that for most popular SGX dividend stocks, just matching your CPF Special Account is already a stretch once you factor in gearing and dividend cut risk. The surprise from this week’s audit is simple: the problem is not low yields, it is how tiny the gap is between your so-called income stocks and the 4 percent sanctuary you already own.</p>\n<p>If you are sitting on a portfolio of high-yield counters because they feel safer than growth stocks, you need to know which names are actually paying you a real premium over CPF and which ones are quietly paying you less for more risk. When I stack a 4.55 percent stock against 4.0 percent guaranteed CPF SA interest, the 0.55 percent spread suddenly looks very small for the amount of volatility and debt exposure you are swallowing. 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The surprise from this week’s audit is simple: the problem is not low yields, it is how tiny the gap is between your so-called income stocks and the 4 percent sanctuary you already own.</p>\n<p>If you are sitting on a portfolio of high-yield counters because they feel safer than growth stocks, you need to know which names are actually paying you a real premium over CPF and which ones are quietly paying you less for more risk. When I stack a 4.55 percent stock against 4.0 percent guaranteed CPF SA interest, the 0.55 percent spread suddenly looks very small for the amount of volatility and debt exposure you are swallowing. That is the lens I am using in today’s breakdown of ten of Singapore’s favourite dividend counters.</p>\n<p>📺 YouTube: https://youtu.be/F4kJOdtX-A8</p>\n<p>📩 Substack: https://investingiguana.com/p/why-8-out-of-10-sgx-dividend-stocks</p></body></html>","text":"Why 8 Out of 10 SGX Dividend Stocks Fail The CPF Retirement Test | EP1641🦖 Everyone talks about “beating CPF” like it is a bonus. I am starting to think that for most popular SGX dividend stocks, just matching your CPF Special Account is already a stretch once you factor in gearing and dividend cut risk. The surprise from this week’s audit is simple: the problem is not low yields, it is how tiny the gap is between your so-called income stocks and the 4 percent sanctuary you already own. If you are sitting on a portfolio of high-yield counters because they feel safer than growth stocks, you need to know which names are actually paying you a real premium over CPF and which ones are quietly paying you less for more risk. When I stack a 4.55 percent stock against 4.0 percent guaranteed CPF SA interest, the 0.55 percent spread suddenly looks very small for the amount of volatility and debt exposure you are swallowing. 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