@MojoStellar:
My core principle for SRS SRS money is locked up for the long term, so I prioritise: • Growth > income • Low-cost, diversified ETFs • Assets that compound, not just hedge That frames my answer. My top long-term SRS pick (main engine) ✅ SPDR S&P 500 ETF (S27) This would be my #1 choice. Why: • Best long-term compounding track record globally • Strong exposure to innovation (AI, tech, healthcare, productivity) • USD exposure diversifies away from SGD risk • Simple, rules-based, and low turnover If I could only pick one ETF for SRS, this would be it. Singapore exposure (home bias, stability) ✅ SPDR Straits Times Index ETF (ES3) Good, but I’d keep it smaller. Why: • Dividend yield helps smooth volatility • Banks + REITs give income • Lower growth than US equities Useful for balance, not