Follow ShinyThings' suggestion.....
100k into S&P500 etf, 100k into STI etf and 100k into bonds..... go down to your favourite pub, order your favourite drink and chill...
No, not quite. The S&P 500 leg would go into a global stock index fund, as another commenter pointed out. Then that would be ST’s suggestion with some important assumptions:
1. These funds will be allocated to long-term saving and investing.
2. This individual is a ~43 year old who is planning to retire in Singapore with the legal right to do so.
3. This individual already has his/her long-term savings invested in the same ways. (If not, the $300K windfall would be used to help shift the portfolio mix.)
4. This individual already has an adequate emergency reserve fund, has fully paid off high cost debt (such as credit card debt), and has genuine insurance necessities in place.
5. Plus a few other assumptions, such as standard or near standard retirement and longevity expectations.
For what it’s worth, I don’t like the “110 minus age” formula since it’s unnecessary complexity in my view. Just hold an 80-20 ratio (stocks-bonds) until 7 to 10 years before retirement, then shift. Also, I’m not a fan of that heavy an allocation to STI stocks.
If this question is about speculation — where I might make an exceptional bet, outside of normal long-term investment practices — then (if available) CPF with a 4+% yield (MA/SA/RA) looks rather attractive to me at the moment.