To me, low risk investments are index ETFs and generally more suitable for the retail investors with a time horizon of 20 years or more (minimum 10 years). My preference has always been $SPDR S&P 500 ETF Trust(SPY)$ as time and again it has proven to be resilient no matter what happens be it war or economic crisis or black swan event like pandemic etc. To me this is a low risk investment that allows me to sleep well no matter what happens. The probability of one taking a loss in a 20 years investment cycle is zero.

Other index ETFs that I like include $Invesco QQQ Trust(QQQ)$ and $TRACKER FUND OF HONG KONG(02800)$  that makes up my top 3 favourites however as compare to SPY these are more volatile and might not be suitable for the general public as you need a bigger stomach to withstand volatility. 

One should know their own strength and weakness, therefore only you yourself know what makes a comfortable stress free investment.

Alternatively, given the current high interest rate environment, retail investors who cannot stomach volatility can consider safe haven risk free investment in SGS T-Bills that easily paid above 4%. You can't beat that even our CPF pays us max 4% return 😉

Or one can also consider Tiger vault which gives us a projected 4.14% return with no conditions. Disclaimer - this is not a tiger sponsored article. I'm simply sharing there are alternatives if one is fearful of bear market.

Happy investment and Merry Christmas to all in the tiger community 🎅🎅🎅