Which Stock is Your Retirement Pick?

Tiger_SG
11-14
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This week, $OCBC Bank(O39.SI)$ hit a new high, reaching SGD 18.8!

Some Tigers said: “I’m counting on OCBC for my retirement. It’s up over 80% in the past 5 years—just holding it gives me peace of mind.” OCBC remains the cheapest among the Big Three banks, and its earnings continue to perform steadily.

But… can a single stock really be enough for retirement?

  • Bank-retirement camp: Holding bank stocks long-term = steady happiness.

  • REIT camp: Relying on cash flow for retirement feels more secure.

It’s really about that feeling of “getting paid every year”: CICT, MIT, FLCT, MLT.

These can also be bought with CPF or through Endowus, making long-term holding even easier.

  • CPF balances can be used to buy Singapore stocks.

  • Endowus helps with tax savings and gives access to a wider variety of funds!

So, which is your retirement stock?

Join our discussion!

Are you buying it with CPF, holding through Endowus, or do you have your own retirement portfolio?

Your most trusted “core retirement assets”

What long-term holdings you’ve bought with CPF / SRS / cash

Each participating tiger would get at least 5 tiger coins!

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Which Stock is Your Retirement Pick?
Some Tigers said: “I’m counting on OCBC for my retirement." There are different choices for Singaporeans. Bank-retirement camp: Holding bank stocks long-term = steady happiness. REIT camp: Relying on cash flow for retirement feels more secure. It’s really about that feeling of “getting paid every year”: CICT, MIT, FLCT, MLT. These can also be bought with CPF or through Endowus, making long-term holding even easier. CPF balances can be used to buy Singapore stocks. Endowus helps with tax savings and gives access to a wider variety of funds! So, which is your retirement stock?
Disclaimer: Investing carries risk. This is not financial advice. The above content should not be regarded as an offer, recommendation, or solicitation on acquiring or disposing of any financial products, any associated discussions, comments, or posts by author or other users should not be considered as such either. It is solely for general information purpose only, which does not consider your own investment objectives, financial situations or needs. TTM assumes no responsibility or warranty for the accuracy and completeness of the information, investors should do their own research and may seek professional advice before investing.
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Comments

  • koolgal
    11-15
    koolgal
    🌟🌟🌟Can a single stock be enough for retirement? My answer is No. Retirement isn't just about returns. It is about resilience & reliability. A single stock is like a soloist in an orchestra. I need the entire orchestra to create the magic of compounding. 

    A single stock is like putting a one  egg in 1 basket.  It is fragile, risky and emotionally volatile.  It might hatch into something beautiful or crack under pressure. There is no back up, no room for error.

    I would prefer to have the 3 Singapore Big Banks plus SReits into 1 Diversified Bento Box.

    My Singapore Bank Stocks $DBS(D05.SI)$ $OCBC Bank(O39.SI)$ $UOB(U11.SI)$ are like the protein in my Bento Box - solid, dividend rich and built for long term strength.

    SReits like CICT and Ascendas are my grains and greens - steady cash flow, inflation resistance and global exposure.

    Together they offer me Income + Growth, Stability + Liquidity.

    That is how I create my retirement banquet.

    @Tiger_SG @TigerStars @TigerClub

  • Shyon
    11-15
    Shyon
    For my retirement core, I keep it simple — I focus on $DBS(D05.SI)$ and $OCBC Bank(O39.SI)$ , the top two banks in Singapore. Both offer stability, strong earnings, and reliable dividends, which is exactly what I want for long-term planning. OCBC’s new highs and DBS’s consistent profitability make them easy picks for steady compounding.

    Between banks and REITs, I still lean toward banks as my foundation. REITs provide good cash flow, but DBS and OCBC have proven they can handle cycles, grow dividends, and stay resilient. They give me the long-term confidence I’m looking for without needing to monitor them closely.

    I hold them using CPF and cash — CPF for disciplined long-term growth, and cash for adding during attractive valuations. With DBS and OCBC as my core, I feel well-positioned for a stable retirement portfolio, and I’m comfortable building around these two for the long run.

    @Tiger_SG @TigerStars @Tiger_comments

  • 1PC
    11-14
    1PC
    It's. no brainier 🧠 choice in SG. Buy DBS [Miser]. Closed 👀 and Buy [Chuckle] @JC888 @Barcode @koolgal @DiAngel @Aqa @Shernice軒嬣 2000 @DiAngel @Shyon
    • koolgal: 
      Brilliant strategy 🌈🌈🌈💰💰💰
    • Shyon: 
      Agree with you!
  • Subramanyan
    11-15
    Subramanyan
    Very unlikely that 1 stock will be the retirement solution unless you hit a jackpot at minimum price & it goes up vertically & stays put. Even then it would be highly risky to bet on 1 stock for life - shudder to think what can happen if it goes bust. I would be more comfortable with a basket of high quality picks to diversify and give dividends + capital appreciation. SG banks + other bluechips are my retirement portfolio's foundation; SSB's the pillars; solid unit trusts the roof; insurance the doors & around 10% opportunistic investment in gold the windows to let in the peaceful air of  resilience & hedge.
    • koolgal: 
      You are right.  One stock is too risky.
  • icycrystal
    11-16
    icycrystal
    I guess having mixed stocks would be good. I like defensive stocks as they tend to do well during downtime. most of all I like stable, established companies as they will pull through during difficult times...
  • Chrishust
    11-16
    Chrishust
    My pick for a retirement stock is banks and $Microsoft(MSFT)$
    The question for retirement is what is the goal of retirement? If the goal is to pay living expenses from high cost dividend income then banks provide certainty of income. If the goal is to not pay living expenses from dividend income then capital growth is the target. $OCBC Bank(O39.SI)$ is a high quality bank with share price growth at $ 18.8 per share which is a discount to future earnings
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