To The Moon

Hey savvy savers, are you ready to supercharge your Supplementary Retirement Scheme (SRS) and build that dream nest egg? 🌟 With tax perks and long-term growth potential, SRS investments in ETFs are a game-changer for Singaporeans eyeing financial freedom. Based on the latest buzz from investor holdings, here's the powerhouse lineup of the top 10 ETFs that SRS account holders are flocking to. These gems offer everything from local market muscle to global tech thrills and safe-haven stability. Let's break it down! 🚀

First off, feast your eyes on this comprehensive table showcasing the elite squad. I've crunched the numbers to highlight their core vibes, from equity powerhouses to bond buffers – all primed for diversification magic. 🧩

These picks aren't just popular – they're battle-tested for SRS warriors seeking a mix of growth, income, and protection. Equity ETFs like ES3 and S27 dominate for their historical outperformance in bull markets, while gold and bonds add that crucial shield during volatile times. 😎 Pro tip: Always consider your risk tolerance – if you're young and bold, lean heavier on equities; nearing retirement? Amp up the fixed income.

Now, onto the million-dollar question: What's my SRS allocation pick? 🤔 After weighing factors like diversification, historical returns, low fees, and current market trends (hello, AI-driven US stocks and rising gold amid uncertainties!), I recommend a balanced powerhouse portfolio. This isn't one-size-fits-all, but it's my go-to for moderate risk-takers aiming for 7-10% annual growth over the long haul. Here's the breakdown:

• 30% in SPDR® S&P 500 ETF (S27): For that unbeatable US market mojo – it's crushed it with tech surges! 📊

• 25% in SPDR® Straits Times Index ETF (ES3): Keep it local for familiarity and dividend perks. 🏦

• 15% in Lion-OCBC Securities Hang Seng Tech ETF (HST): Spice things up with Asian innovation growth. 💡

• 10% in SPDR® Gold Shares (GSD): Your inflation fighter and portfolio stabilizer. ✨

• 10% in Lion-Phillip S-REIT ETF (CLR): Steady rental income vibes from SG properties. 🏠

• 10% in ABF Singapore Bond Index Fund (A35): Safety first for those rainy days. ☔

This allocation spreads the love across geographies and assets, minimizing eggs-in-one-basket drama while chasing solid upside. Total expense ratios hover low (around 0.2-0.5%), keeping more money in your pocket. 💸 Remember, rebalance yearly to stay on track!

Want to visualize this allocation? Whip up a quick pie chart:

Diving deeper, why this mix? The S&P 500 has been on fire with Big Tech leading the charge, delivering double-digit returns lately. STI offers that home-ground stability tied to Singapore's resilient economy. Hang Seng Tech? It's rebounding strong post-regulatory hurdles, perfect for growth hunters. Gold shines in uncertain times like geopolitical tensions, while REITs and bonds provide that sweet income flow to combat inflation. 🌈

If you're just starting, platforms like DBS Vickers or POEMS make SRS ETF buys a breeze with zero-min commission deals. Start small, DCA (dollar-cost average) monthly, and watch your retirement fund flourish. No more letting SRS cash snooze at 0.05% interest – time to level up! 🆙

What do you think – ready to tweak this for your goals? Drop your thoughts below, and let's chat SRS strategies. Happy investing, folks! 🍀💼

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📝 Disclaimer: This post is for informational purposes only and does not constitute financial advice. Always conduct your own research before making investment decisions.

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