For my retirement core, I keep

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

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.

Comments

icycrystal
11-16
icycrystal
thanks for sharing
- Shyon:
  My pleasure

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","winRationPercentage":53.521127,"tradeVolumeEst":0},"themes":[{"themeId":"4f849944f102478e81c01a298bd70c5e","categoryId":"7cf744760f454845a1870a05ea4e151d","name":"Which Stock is Your Retirement Pick?","type":0,"rnLink":"https://laohu8.com/RN?name=RNTheme&page=/theme/detail&rndata={\"themeId\":4f849944f102478e81c01a298bd70c5e}&rnconfig={\"headerBarHidden\": true}","description":"Some Tigers said: “I’m counting on OCBC for my retirement.\"\nThere are different choices for Singaporeans.\nBank-retirement camp: Holding bank stocks long-term = steady happiness.\nREIT camp: Relying on cash flow for retirement feels more secure.\n\nIt’s really about that feeling of “getting paid every year”: CICT, MIT, FLCT, MLT.\n\nThese can also be bought with CPF or through Endowus, making long-term holding even easier.\n\nCPF balances can be used to buy Singapore stocks.\nEndowus helps with tax savings and gives access to a wider variety of funds!\nSo, which is your retirement stock?","image":"https://community-static.tradeup.com/news/830b632ada2a2c66a3ed980c823ae623"}],"images":[{"img":"https://community-static.tradeup.com/news/4a3c8f0838edc7526eaf40a3441bc14f"}],"coverImages":[{"img":"https://community-static.tradeup.com/news/4a3c8f0838edc7526eaf40a3441bc14f"}],"html":"<html><head></head><body>For my retirement core, I keep it simple — I focus on<a href=\"https://ttm.financial/S/D05.SI\"> $DBS(D05.SI)$ </a> and<a href=\"https://ttm.financial/S/O39.SI\"> $OCBC Bank(O39.SI)$ </a> , the top two banks in Singapore. 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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.\n<a href=\"https://ttm.financial/U/4106547232749330\"> @Tiger_SG </a><a href=\"https://ttm.financial/U/9000000000000149\"> @TigerStars </a><a href=\"https://ttm.financial/U/3501196737273098\"> @Tiger_comments </a><t-t type=\"img\" src=\"https://community-static.tradeup.com/news/4a3c8f0838edc7526eaf40a3441bc14f\"></t-t></body></html>","htmlText":"<html><head></head><body>For my retirement core, I keep it simple — I focus on<a href=\"https://ttm.financial/S/D05.SI\"> $DBS(D05.SI)$ </a> and<a href=\"https://ttm.financial/S/O39.SI\"> $OCBC Bank(O39.SI)$ </a> , 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.\n\nBetween 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.\nI 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.\n<a href=\"https://ttm.financial/U/4106547232749330\"> @Tiger_SG </a><a href=\"https://ttm.financial/U/9000000000000149\"> @TigerStars </a><a href=\"https://ttm.financial/U/3501196737273098\"> @Tiger_comments </a><t-t type=\"img\" src=\"https://community-static.tradeup.com/news/4a3c8f0838edc7526eaf40a3441bc14f\"></t-t></body></html>","text":"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. 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