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would you STI ETF or Unit Trust?

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Old 27-07-2020, 11:54 AM   #1
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would you STI ETF or Unit Trust?

I was talking to my FA the other day and told him i was planning to invest my CPF OA into STI etf. I wont really need my money in the OA for at least 2 years. only planning to buy a property in 2 years time. So i'm thinking how can i maximize the OA and outperform the 2.5%.

My FA advise me for Unit trust as he feels that STI etf gains would be lower than a UT.

I tried searching the threads here but it seems that UT is something that people dont talk alot about here. Any people that's familiar with this, care to share any tips?

Oh ya, my allowance left in cpfis OA can only invest in UT and ETF. i've already bought stocks with it.
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Old 27-07-2020, 11:59 AM   #2
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I was talking to my FA the other day and told him i was planning to invest my CPF OA into STI etf. I wont really need my money in the OA for at least 2 years. only planning to buy a property in 2 years time. So i'm thinking how can i maximize the OA and outperform the 2.5%.

My FA advise me for Unit trust as he feels that STI etf gains would be lower than a UT.

I tried searching the threads here but it seems that UT is something that people dont talk alot about here. Any people that's familiar with this, care to share any tips?

Oh ya, my allowance left in cpfis OA can only invest in UT and ETF. i've already bought stocks with it.
Depends on which UT?
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Old 27-07-2020, 12:13 PM   #3
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I was talking to my FA the other day and told him i was planning to invest my CPF OA into STI etf. I wont really need my money in the OA for at least 2 years. only planning to buy a property in 2 years time. So i'm thinking how can i maximize the OA and outperform the 2.5%.

My FA advise me for Unit trust as he feels that STI etf gains would be lower than a UT.

I tried searching the threads here but it seems that UT is something that people dont talk alot about here. Any people that's familiar with this, care to share any tips?

Oh ya, my allowance left in cpfis OA can only invest in UT and ETF. i've already bought stocks with it.

If agent recommend unit trust for a 2-year investment horizon, dump him immediately. Is he tied to a particular insurer?

Official Aviva site says that the investment horizon for unit trusts is 5-years or longer:

https://www.aviva.com.sg/en/money-ba...n-unit-trusts/
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Old 27-07-2020, 12:14 PM   #4
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I was talking to my FA the other day and told him i was planning to invest my CPF OA into STI etf. I wont really need my money in the OA for at least 2 years. only planning to buy a property in 2 years time. So i'm thinking how can i maximize the OA and outperform the 2.5%.

My FA advise me for Unit trust as he feels that STI etf gains would be lower than a UT.

I tried searching the threads here but it seems that UT is something that people dont talk alot about here. Any people that's familiar with this, care to share any tips?

Oh ya, my allowance left in cpfis OA can only invest in UT and ETF. i've already bought stocks with it.

If agent recommend unit trust for a 2-year investment horizon, dump him immediately. (unless he's from Aviva or Prudential - I'm vested in those insurers - so his earnings will help pay for my share dividends).

Official Aviva site says that the investment horizon for unit trusts is 5-years or longer:

https://www.aviva.com.sg/en/money-ba...n-unit-trusts/
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Old 27-07-2020, 12:16 PM   #5
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U should post this in money mind. The people in ssi r more into quick money.
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Old 27-07-2020, 12:23 PM   #6
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STI ETF of course
Unit trust got how many has 好下场?
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Old 27-07-2020, 01:38 PM   #7
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I was talking to my FA the other day and told him i was planning to invest my CPF OA into STI etf. I wont really need my money in the OA for at least 2 years. only planning to buy a property in 2 years time. So i'm thinking how can i maximize the OA and outperform the 2.5%.

My FA advise me for Unit trust as he feels that STI etf gains would be lower than a UT.

I tried searching the threads here but it seems that UT is something that people dont talk alot about here. Any people that's familiar with this, care to share any tips?

Oh ya, my allowance left in cpfis OA can only invest in UT and ETF. i've already bought stocks with it.
Agree with Limster, 2 years is too short.
CPFIS OA only allow to invest in STI ETF and UT.
STI ETF is very slow.
UT depend on your risk, higher risk higher return, lower risk lower return.

If 2 years only, I go for stock, since now sg stock price is very low.
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Old 27-07-2020, 01:42 PM   #8
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STI ETF of course
Unit trust got how many has 好下场?
You pick this "STI ETF of course", result very good meh?

I was scam by my insurance agent to buy UT, starting at a loss. But after 20 years, I turn it to profit 200%
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Old 27-07-2020, 01:54 PM   #9
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You pick this "STI ETF of course", result very good meh?

I was scam by my insurance agent to buy UT, starting at a loss. But after 20 years, I turn it to profit 200%

Some people seem to have been brainwashed into thinking ETF is always better than unit trust.

Need to stop and think: a single country ETF that holds 30 stocks in a small country is somehow guaranteed better than a unit trust that invests in multiple countries with far bigger markets and market capitalisation?

As I've posted before, I'm vested in both STI ETF and unit trust in CPF. My China unit trust has become one of my biggest holdings because of capital gain....

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Old 27-07-2020, 02:06 PM   #10
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You pick this "STI ETF of course", result very good meh?

I was scam by my insurance agent to buy UT, starting at a loss. But after 20 years, I turn it to profit 200%
200% profit after 20 years is 5.65% CAGR, assuming 1 lump sum invested at start and no further injection. Not bad, not fantastic.
Did it give dividends during those 20 years?
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Old 27-07-2020, 02:08 PM   #11
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I was talking to my FA the other day and told him i was planning to invest my CPF OA into STI etf. I wont really need my money in the OA for at least 2 years. only planning to buy a property in 2 years time. So i'm thinking how can i maximize the OA and outperform the 2.5%.

My FA advise me for Unit trust as he feels that STI etf gains would be lower than a UT.

I tried searching the threads here but it seems that UT is something that people dont talk alot about here. Any people that's familiar with this, care to share any tips?

Oh ya, my allowance left in cpfis OA can only invest in UT and ETF. i've already bought stocks with it.
Actually why so hiong ah? 2y not short or long and you need it to buy house.

Later if after 2 years got huge drop, then you don’t buy house?

Don’t have to max out investment on OA one ma.

Can always keep some to earn 2.5%
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Old 27-07-2020, 02:10 PM   #12
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Unless you are worth multiple millions and you didn't make those millions from investing, you don't need a paid FA.

I was talking to my FA the other day and told him i was planning to invest my CPF OA into STI etf. I wont really need my money in the OA for at least 2 years. only planning to buy a property in 2 years time. So i'm thinking how can i maximize the OA and outperform the 2.5%.

My FA advise me for Unit trust as he feels that STI etf gains would be lower than a UT.

I tried searching the threads here but it seems that UT is something that people dont talk alot about here. Any people that's familiar with this, care to share any tips?

Oh ya, my allowance left in cpfis OA can only invest in UT and ETF. i've already bought stocks with it.
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Old 27-07-2020, 02:20 PM   #13
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I was scam by my insurance agent to buy UT, starting at a loss. But after 20 years, I turn it to profit 200%
can share how much did you out into this UT?
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Old 27-07-2020, 02:38 PM   #14
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200% profit after 20 years is 5.65% CAGR, assuming 1 lump sum invested at start and no further injection. Not bad, not fantastic.
Did it give dividends during those 20 years?
No dividend, just pure capital gain.
It least I recover back my losses and make a profit out of it, I'm happy.
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Old 27-07-2020, 02:42 PM   #15
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can share how much did you out into this UT?
At first 30k, price drop alot, I add in 15K, price still dropping I add another 15K.
Total 60K
Currently before covid 120k, during covid I switch out bond UT to EM UT.
Now already back to 120K.
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