Investment Products Singapore 2026
Compare investment products from Singapore's major banks and financial institutions. Find unit trusts, bonds, structured products, and investment plans to grow your wealth.
Investment Guide for Singapore Investors
Define Your Goals
- • Short-term goals (1-3 years): Emergency fund, vacation
- • Medium-term goals (3-10 years): Property down payment
- • Long-term goals (10+ years): Retirement, children's education
- • Risk tolerance assessment
Build Your Portfolio
- • Conservative: 70% bonds, 30% equities
- • Balanced: 50% bonds, 50% equities
- • Aggressive: 30% bonds, 70% equities
- • Regular rebalancing strategy
Diversify Globally
- • Singapore equity funds (20-30%)
- • Regional Asian funds (20-30%)
- • Global developed markets (30-40%)
- • Alternative investments (5-15%)
Compare Investment Products
Unit Trusts
Mutual Funds
Professionally managed pooled investment funds offering diversification across various asset classes
Key Features
Singapore Savings Bonds (SSB)
Government Bonds
Government-backed bonds offering capital protection with step-up interest rates
Key Features
Structured Deposits
Structured Products
Principal-protected deposits with returns linked to underlying assets performance
Key Features
Equity Linked Notes (ELN)
Structured Products
Notes with returns linked to equity performance, offering higher yields with equity risk
Key Features
Real Estate Investment Trusts (REITs)
Real Estate
Listed trusts investing in income-generating real estate properties
Key Features
Endowment Plans
Insurance Investment
Life insurance plans with investment components offering guaranteed and non-guaranteed returns
Key Features
Investment-Linked Policies (ILP)
Insurance Investment
Life insurance with investment in sub-funds, offering flexibility and growth potential
Key Features
Foreign Currency Fixed Deposits
Currency Investment
Fixed deposits in foreign currencies offering currency diversification
Key Features
Robo-Advisory Portfolios
Digital Investment
Algorithm-based portfolio management with automatic rebalancing and low fees
Key Features
Corporate Bonds
Fixed Income
Debt securities issued by corporations offering fixed income with credit risk
Key Features
Investment Strategies for Different Life Stages
Young Professionals (20s-30s)
Mid-Career (30s-50s)
Pre-Retirement (50s+)
Tax Considerations for Singapore Investors
Tax-Free Investments
- • Capital gains: No capital gains tax in Singapore
- • Dividends: Tax-exempt at personal level (one-tier system)
- • Singapore Savings Bonds: Interest income tax-free
- • CPF investments: Returns are tax-free
- • SRS investments: Tax deferral until withdrawal
Taxable Investment Income
- • Foreign dividends: May be subject to withholding tax
- • Bond interest: From foreign issuers may be taxable
- • Unit trust distributions: Generally tax-free in Singapore
- • Trading income: May be taxable if considered business income
- • Structured product returns: Tax treatment varies by product
CPF Investment Scheme (CPFIS)
Ordinary Account (OA) - Up to 35%
- • Unit trusts and investment-linked insurance products
- • Exchange-traded funds (ETFs)
- • Singapore Government Securities and statutory board bonds
- • Corporate bonds with minimum S grade
- • Fixed deposits with local banks
- • Annuity products
- • Gold and gold ETFs
Special Account (SA) - Up to 35%
- • Unit trusts (excluding property funds)
- • Investment-linked insurance products
- • ETFs (excluding property and commodity ETFs)
- • Singapore Government Securities
- • Annuity products
CPFIS Investment Guidelines
Investment Limits:
- • Maximum 35% of OA balance
- • Maximum 35% of SA balance
- • Minimum S$20,000 must remain in OA
- • Minimum S$40,000 must remain in SA
Key Considerations:
- • OA earns 2.5% p.a. guaranteed
- • SA earns 4% p.a. guaranteed
- • Investment returns must beat these rates
- • Consider opportunity cost of guaranteed returns
Popular CPFIS Products:
- • STI ETF (ES3)
- • Global equity index funds
- • Bond funds for SA
- • Balanced funds
Robo-Advisors in Singapore
DBS digiPortfolio
Features:
- • Goal-based investing
- • Auto-rebalancing
- • ESG options
- • CPF investment eligible
OCBC RoboInvest
Features:
- • Risk profiling
- • Global diversification
- • Regular investments
- • Professional management
UOB Robo-Advisor
Features:
- • Smart portfolio
- • Dynamic rebalancing
- • ESG investing
- • Mobile app
StashAway
Features:
- • ERAA® technology
- • Goal-based investing
- • Tax optimization
- • Fractional shares
Syfe
Features:
- • Thematic investing
- • REIT+ portfolio
- • Global portfolios
- • Regular savings
AutoWealth
Features:
- • ETF portfolios
- • Tax-loss harvesting
- • Currency hedging
- • Customizable portfolios
Common Investment Mistakes to Avoid
Putting all eggs in one basket
Diversify across asset classes, geographies, and sectors
Trying to time the market
Use dollar-cost averaging and long-term investing
Investing without an emergency fund
Build 6-12 months of expenses before investing
Chasing past performance
Focus on long-term fundamentals and fund consistency
Ignoring fees and charges
Compare total expense ratios and hidden costs
Emotional investing decisions
Stick to your investment plan and avoid panic selling
Not understanding what you invest in
Research products thoroughly before investing
Overlooking tax implications
Consider tax-efficient investment structures like SRS
Setting unrealistic expectations
Understand historical returns and market volatility
Not reviewing portfolio regularly
Rebalance annually and review goals periodically
2026 Investment Market Outlook
Economic Environment
- • Interest rates stabilizing after rate hiking cycle
- • Inflation moderating towards central bank targets
- • Singapore economy showing resilience
- • Global supply chain normalization
- • Continued digitalization trends
Investment Themes
- • Technology and artificial intelligence
- • Sustainable and ESG investing
- • Healthcare and biotechnology
- • Infrastructure and real estate
- • Emerging market opportunities
Risk Factors
- • Geopolitical tensions
- • Market volatility from policy changes
- • Currency fluctuations
- • Regulatory changes in key markets
- • Climate and environmental risks
Ready to Start Investing?
Begin your investment journey with proper planning and diversification. Compare products, understand risks, and start building your wealth today.