Choosing the Right Investment for SRS
After making my first SRS contribution, I needed to decide where to allocate my funds. The two most recommended platforms? POEMS vs. Endowus.
POEMS vs. Endowus – Key Differences
✅ Endowus: Charges a 0.3% annual platform fee for a curated investment approach.
✅ POEMS: No platform fee, making it a cost-efficient option for passive investors.
Investment Options
From Endowus:
📌 Dimensional World Equity Fund
👉 More details
From POEMS (Amundi Index Funds):
📌 Amundi Index MSCI World A12S (C) SGD (Expense Ratio: 0.1%)
👉 Details
📌 Amundi Index MSCI Emerging Markets A12S (C) SGD (Expense Ratio: 0.2%)
👉 Details
📌 Amundi Index Global Aggregate Bond A12HS (C) SGD (Expense Ratio: 0.1%)
👉 Details
My SRS Strategy: Balancing Safety & Growth 💡
For now, I’m parking my SRS funds in T-bills or SSBs 🏦—keeping it liquid while earning safe returns. This ensures my capital is not sitting idle while I monitor market conditions.
At the same time, I’m targeting Singapore’s top 3 bank stocks:
📌 DBS – Market leader with strong regional growth.
📌 UOB – Solid fundamentals and expansion in ASEAN.
📌 OCBC – Balanced exposure with a growing wealth management segment.
The Singapore Banks as a whole look like its well above its valuation. As bank are cyclical great long term stalewarts , i will be patient and await a better entry point.
Additionally, I am keeping an eye on:
📌 CFA Nikko AM REITs – Provides exposure to Singapore’s real estate investment trusts. [ Bought This ]
📌 Venture Corporation Limited (V03.SI) – Electronic OEM player [ Bought This]
📌Genting Singapore Limited (G13.SI) – Run Singapore’s Sentosa RWS resort. [ Bought This]
📌Delfi Limited (D03.SI) – A premium chocolate manufacturer.
📌 SIA (Singapore Airlines) – A strong recovery play post-pandemic.
📌 SBS Transit – A key transport operator in Singapore. [ Boring but improving transport operator ]
📌 BVA Top Glove – A leading player in the healthcare glove industry. [ Pandemic Oversupply TurnAround Play ]
📌 BCY Powermatic Data – A niche technology and data solutions provider. WIFI7
📌 F03 FoodEmpire – A growing food & beverage company with strong international presence.
While my long-term pick global picks will be POEMS’ Amundi funds, I plan to wait for the U.S. Shiller PE ratio to drop before committing, ensuring a more favorable valuation.
This strategy allows me to earn steady yields while waiting for good entry points into high-quality SG equities. 🚀💰
