To The Moon

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 for maximising returns. REITs (income + diversification) ✅ Lion-Phillip S-REIT ETF (CLR) I like this as a supporting asset, not core. Pros: • Passive income • Diversifies equities • Inflation-linked rents (long term) Cons: • Interest-rate sensitive • Slower growth than equities Bonds (capital preservation later) ⚠️ ABF Singapore Bond Index Fund (A35) For me: • Not essential when young • Becomes useful 10–15 years before retirement Bonds shine in the withdrawal phase, not accumulation. Now, about Gold (My initial interest 👀) 🟡 SPDR Gold Shares (GSD) I would invest in gold, but not as a main SRS holding. My view on gold: • ❌ Does not compound • ❌ No dividends • ✅ Hedge against inflation, crisis, currency debasement • ✅ Psychological comfort during market stress How I’d use it: • 5–10% max • As insurance, not growth If you’re thinking gold because of: • Global uncertainty → makes sense • Inflation fears → makes sense • Emotional comfort → very valid Just don’t overweight it. If I were investing for myself (example allocation) Aggressive (young, long runway): • 60–70% S27 (S&P 500) • 15–20% ES3 (Singapore) • 10–15% CLR (REITs) • 5–10% GSD (Gold) More conservative: • 50% S27 • 20% ES3 • 15% A35 • 10% CLR • 5% GSD Bottom line (honest investor take) • Best long-term SRS growth: S27 • Best hedge: Gold (small allocation) • Best balance: Equities + REITs + a little gold • Biggest mistake: Treating gold as a growth asset Disclaimer: This is not a investment advice. Merely my own thoughts and opinions. Please seek financial expert and adviser if you intend to invest. Also, please do due diligence. Thank you for the event. Share your thoughts @koolgal @vodkalime @Barcode @MillionaireTiger @vodkalime @DCamel @JC888 @Fenger1188 @Emotional Investor @ahyi @GoodLife99 @TigerPM @Tiger_comments