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Investment advice for 200k

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Old 26-12-2014, 02:38 PM   #46
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Hi Shiny, just thinking,
DBS vickers would be a better idea? It charges 0.18%.
Stanchart cost 0.2% unless priority banking status.
Normally yes, but I think DBS has a minimum fee of $18 while Stanchart has no minimum. So unless you're doing $10k clips every time, Stanchart's going to work out cheaper.
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Old 26-12-2014, 06:20 PM   #47
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dbs Vickers has min fee. either 25$ or 0.18% , whichever is higher
This is for online trading right? Not voice broker
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Old 26-12-2014, 06:21 PM   #48
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I still had to rely on vickers voice brokers to execute srs trades and min comm is 40
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Old 26-12-2014, 06:49 PM   #49
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This is for online trading right? Not voice broker
voice broker min com is even higher... not sure how much though
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Old 27-12-2014, 09:17 AM   #50
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I still had to rely on vickers voice brokers to execute srs trades and min comm is 40
Do you have to execute using a voice broker for SRS trades?
Can't seem to find out more details about SRS trading from their website.
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Old 27-12-2014, 08:04 PM   #51
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Do you have to execute using a voice broker for SRS trades?
Can't seem to find out more details about SRS trading from their website.
So far that's the only option for me. Anyone else able to execute srs trades cheaper?
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Old 27-12-2014, 08:45 PM   #52
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SRS trades (at least for dbsvickers) can be done online yourself.
just tick the SRS box when placing your trade!
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Old 27-12-2014, 08:53 PM   #53
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SRS trades (at least for dbsvickers) can be done online yourself.
just tick the SRS box when placing your trade!
Thanks! For dbs vickers online, are the shares kept with cdp or with dbs vickers?
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Old 16-01-2015, 11:39 PM   #54
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Hi guys,

Simply put, I have 200k cash that has been rotting in my posbkids account for awhile now - what are the best options available to me, given that I do not need liquidity, prefer dividend payouts, and am NOT very risk adverse?
Hi Muse

Try putting into Tokio Marine VIP Infinite with premium financing, if you want to play safe,
around 118k for 5 years, 5th year onwards div of 9.8k a year perpetually.

If you have a bigger risk appetite can try high yield dividend paying funds like Allianz income and growth and Schroders global dividend maximiser SGD. Both SRS applicable.
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Old 17-01-2015, 03:23 PM   #55
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Hi Muse

Try putting into Tokio Marine VIP Infinite with premium financing, if you want to play safe,
around 118k for 5 years, 5th year onwards div of 9.8k a year perpetually.

If you have a bigger risk appetite can try high yield dividend paying funds like Allianz income and growth and Schroders global dividend maximiser SGD. Both SRS applicable.
I heard this product is off the shelves of TM.

And btw, i read the website it states 1.5% of policy. Your 9.8k signifies abt 8% per yr based on the 118k sum invested.

Do we have such a good deal at 8% per yr for life? Wow.... i think its a v gd deal even if surrender value is 80% of sum invested...

Pls correct me where wrong.
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Old 17-01-2015, 04:19 PM   #56
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I heard this product is off the shelves of TM.

And btw, i read the website it states 1.5% of policy. Your 9.8k signifies abt 8% per yr based on the 118k sum invested.

Do we have such a good deal at 8% per yr for life? Wow.... i think its a v gd deal even if surrender value is 80% of sum invested...

Pls correct me where wrong.
Ya I don't really understand where he gets his figure as well.

The payout involves 2 components: (A) guaranteed component of 1.5% and (B) non-guaranteed component which I can't really remember the amount but should be about 4+%. Either way, doesn't seem like can get the 8% a year
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Old 17-01-2015, 09:36 PM   #57
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Ya I don't really understand where he gets his figure as well.

The payout involves 2 components: (A) guaranteed component of 1.5% and (B) non-guaranteed component which I can't really remember the amount but should be about 4+%. Either way, doesn't seem like can get the 8% a year
I was asking around and will be getting the BI of this product from an adviser, and he was telling me one single premium costs at least $133,350 and the returns are $500 per mth, on the 6th year.

Effective interest is about 4.5% per year.

That's nice to hear, but are we talking about both guaranteed and non-guaranteed coupon returns?

I think it's only 1.5% guaranteed, and the other 3.5% is not. So... it's really up to each's aptitude towards the returns they shld have.

Once I get the BI, might be able to share more here.
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Old 17-01-2015, 11:53 PM   #58
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I was asking around and will be getting the BI of this product from an adviser, and he was telling me one single premium costs at least $133,350 and the returns are $500 per mth, on the 6th year.

Effective interest is about 4.5% per year.

That's nice to hear, but are we talking about both guaranteed and non-guaranteed coupon returns?

I think it's only 1.5% guaranteed, and the other 3.5% is not. So... it's really up to each's aptitude towards the returns they shld have.

Once I get the BI, might be able to share more here.
Yes guaranteed portion is 1.5% and non guaranteed 3%. This can act as both retirement and 3G planning if used correctly.

So far it has been 4.5% payout for TM to the best of my knowledge.
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Old 18-01-2015, 12:08 AM   #59
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Hi Muse

Try putting into Tokio Marine VIP Infinite with premium financing, if you want to play safe,
around 118k for 5 years, 5th year onwards div of 9.8k a year perpetually.

If you have a bigger risk appetite can try high yield dividend paying funds like Allianz income and growth and Schroders global dividend maximiser SGD. Both SRS applicable.
WA... Tokio marine vip infinite so good ah?
pay 118k total for 5yrs and 9.8k div.. so 8% yield perpetually???
walan! sibei hor..
where to buy? got any chio bu vip infinite agent to recommend....
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Old 18-01-2015, 02:02 AM   #60
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WA... Tokio marine vip infinite so good ah?
pay 118k total for 5yrs and 9.8k div.. so 8% yield perpetually???
walan! sibei hor..
where to buy? got any chio bu vip infinite agent to recommend....
for funds who pay dividends, if their investment goes down, they will eat into your principal to pay dividend. left pocket right pocket.

its just like EX share price gap down to reflect dividend deduction.
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