ETFS or unit trust for elderly, like above >60 years old?

[daewood]

Hi Guys,
Sorry, slightly off topic, but wana ask, the annualized performance how to see?

Meaning after invest for 10 years then get back 2.1079% returns or
for the past 10 years, every year average get back 2.1079% returns?

 

[wizardnking]

don't come here and bulls hit with all this estimates profits table la. when going to mutual then say market no good the table is just an estimate. all this tricks seen liao.

 

[Wood41]

Blur over this ?

Many of these stable stocks give much better return over the years than SSB to generate income.
The yield ranges from > 5+ % all the way up.
Even in longer term STI ETF as recommended by others beat inflation compared with SSB.

I'm not sure what prompted that "Highest-Yielding REITs" list. What is the 60-something investor described in the original post supposed to do with that information?

 

[Mecisteus]

Hi Guys,
Sorry, slightly off topic, but wana ask, the annualized performance how to see?

Meaning after invest for 10 years then get back 2.1079% returns or
for the past 10 years, every year average get back 2.1079% returns?

2% is the return per annum.

This is a low risk and short term bond fund. So the return is low.

Plus point is the 0% sales charge if bought from POEMS

 

[Mecisteus]

Strange. Parkway Life is not in the list?

 

[daewood]

2% is the return per annum.

This is a low risk and short term bond fund. So the return is low.

Plus point is the 0% sales charge if bought from POEMS

Hi Mike, thanks for the explanation

 

[BBCWatcher]

Many of these stable stocks give much better return over the years than SSB to generate income.

They are a lot riskier, so they should yield more. But the table you provided isn't particularly helpful in illustrating that principle. A monkey could have made money over these particular past 12 months. Buying a simple U.S. S&P 500 stock index fund would have accomplished even more, and arguably with less risk, as it happens.

Bear in mind I'm the person who put REITs on the list of possible ways to address inflation risk, if that's a particular risk that's worth addressing. Obviously I'm not opposed to REITs. I'm just wondering what the original poster is supposed to do with that particular table of past Singapore REIT performance measurements.

 

[w1rbelw1nd]

I think one has to be very careful when seeking advice on a public forum. People may share according to their own personal experience and preference. You know your own circumstances and situation better.

Dyodd rather than take other people's word for it.

 

[antonpoh]

any recommendations?

went to local bank, they ask my mum invest in unit trust with mixed in high dividend equities and bonds when she went to withdraw money from FD. looks not bad until I realised its 5% upfront commission cost to the bank. I walked away.

I will open a philips capital account for her, but any recommendations for what she can buy? thinking some mixed equity/bond etf, just buy and dont look back (no frequent rebalancing etc), regardless of bad or good times.

No stocks, equity, bond, gold or reits can just buy and don't look back regardless of good or bad times. I don't hold many stocks. This is the only better ones i can use my CPF to buy.

Aro end of 2014 i share a unit trust in this Forum, can read more from the links below. Bought this UT at 73c in September 2014.

Eastspring Investments Unit Trusts - Global Technology Fund

http://forums.hardwarezone.com.sg/money-mind-210/small-investment-4895841-3.html#post90389686

http://forums.hardwarezone.com.sg/money-mind-210/recommend-low-risk-product-%24150k-4899281.html

Btw, exit strategy

Spoiler

for this Eastspring Investments Unit Trusts - Global Technology Fund can hold till Jun of 2017 or till it hit aro $1.40.

 

[Wood41]

UTs better than ETFs / REITs / stocks ?

 

[antonpoh]

UTs better than ETFs / REITs / stocks ?

If you know which single stock to buy, then it could outperform UT anytime.

Example last year after Trump got elected, I bought this stock FMCC the very next day at US$2.06. After just a month it hit a high of aro US$4.195. Sold all before US fed begin their 2 rate hike.

Spoiler

 

[w1rbelw1nd]

Are you saying that you have 20/20 foresight? Strange way of justifying stock picking.

If you know which single stock to buy, then it could outperform UT anytime.

Example last year after Trump got elected, I bought this stock FMCC the very next day at US$2.06. After just a month it hit a high of aro US$4.195. Sold all before US fed begin their 2 rate hike.

Spoiler

 

[antonpoh]

Are you saying that you have 20/20 foresight? Strange way of justifying stock picking.

If I had foresight I would be buying way before the election. Anyway this was only a one off pick. Planning 6-8 mth ahead before the US election. Research a bit on both candidate. Found that Trump is most likely to win so look into what type of business he do.

Trump was born and raised in Queens, New York City, and earned an economics degree from the Wharton School. He then took charge of The Trump Organization, the real estate and construction firm founded by his paternal grandmother, which he ran for 45 years until 2016. During his real estate career, Trump built, renovated, and managed numerous office towers, hotels, casinos, and golf courses. Besides real estate, he started several side ventures and has licensed the use of his name for the branding of various products and properties, including Trump Entertainment Resorts.

As for picking FMCC, heard a friend bought it in 2009 at aro 50c and sold it after a few years at $4. After that she waited for it to drop again. So that's why it was in my watchlist too.

 

[Wood41]

Elderly = 60s ?
It is like 'middle age' nowadays with many live until 90s.

Many of these 'elderly' are still working / active
/ millionaires / CPF Life / invest for longer term.


STI’s 3 Year Dollar Cost Average Return of 6.3% p.a.
http://www.sgx.com/wps/wcm/connect/...ign=alwayson&utm_term=31052017&utm_content=MU

 

[windwaver]

I'm not sure what prompted that "Highest-Yielding REITs" list. What is the 60-something investor described in the original post supposed to do with that information?

Trust me, buying a reit is more than just looking at 'high yield'.

 

[BBCWatcher]

Trust me, buying a reit is more than just looking at 'high yield'.

I completely agree. The past is the past.

 

[======>]

park in cpf. 4 to 6%.


thank me later

 

[Wood41]

LoL .
Nobody says to buy the ones with the highest
yield.
Many in the list are quite blue chips with good yield too.

Trust me, buying a reit is more than just looking at 'high yield'.

 

[Wood41]

I agree with you but there is a limit .
Many Sinkies want to take out CPF as much &
as early as possible.
Not many would thank you.

park in cpf. 4 to 6%.
thank me later