5 SGX Dividend Stocks Yielding Over 5%! Have You Allocated Them?
For many Singaporeans, the CPF Ordinary Account’s 2.5% interest rate remains a reliable safety net—offering government backing, full capital protection, and no market volatility.
But if your goal is higher passive income, relying solely on CPF OA may be too conservative. Some SGX-listed dividend stocks are currently yielding above 5%, offering a potential step-up in returns.
These stronger names tend to share key traits: solid balance sheets, resilient business models, and disciplined capital management. If you’re looking to beat that 2.5% baseline, here are five worth keeping on your radar.
1. DBS Group Holdings ( $DBS(D05.SI)$ )
Dividend Yield: 5.6% (Over 2x CPF OA rate)
The Catalyst: Reported a record S$11 billion net profit for FY25. A robust 17.0% CET1 ratio ensures top-tier dividend sustainability.
Future Prospects: High profitability and diversified revenue streams provide a reliable buffer against market cycles.
2. CapitaLand Ascendas REIT ( $CapLand Ascendas REIT(A17U.SI)$ )
Dividend Yield: 5.9% (Nearly 2.4x CPF OA rate)
The Catalyst: High occupancy rate of 90.9% across global markets. Defensive assets in logistics and data centers provide stable rental income.
Future Prospects: A 3.7-year WALE ensures highly predictable payouts and long-term exposure to digital infrastructure growth.
3. Mapletree Logistics Trust ( $Mapletree Log Tr(M44U.SI)$ )
Dividend Yield: 6.2% (Roughly 2.5x CPF OA rate)
The Catalyst: Strong 96.4% occupancy across APAC. Disciplined capital management with a manageable 40.7% gearing ratio.
Future Prospects: Directly benefits from structural tailwinds in e-commerce and regional supply chain shifts.
4. Frasers Centrepoint Trust ( $Frasers Cpt Tr(J69U.SI)$ )
Dividend Yield: 5.5% (Over 2.2x CPF OA rate)
The Catalyst: "Heartland" dominance with a near-perfect 99.9% occupancy. Income is anchored by essential services like supermarkets and healthcare.
Future Prospects: Stable footfall and a healthy 40.3% leverage ratio make it an ideal "all-weather" income play.
5. HRnetGroup ( $HRnetGroup(CHZ.SI)$ )
Dividend Yield: 5.8% (Over 2.3x CPF OA rate)
The Catalyst: Exceptional balance sheet with S$262.9 million in cash and zero debt.
Future Prospects: A rare high-yield non-REIT gem. Its massive cash buffer allows for consistent payouts even during economic downturns.
💬 Let’s Discuss!
Which of these income strategies fits your style? We’d love to hear your thoughts in the comments:
Risk vs. Reward: Would you stick with the guaranteed 2.5% in your CPF OA, or is the potential for 5%+ dividends worth the market volatility?
Your Top Pick: If you had to pick just one from this list—DBS, the REITs, or HRnetGroup—which would be your first choice for passive income?
The Dividend Giant: Do you think DBS can continue its record-breaking profit streak, or are you looking at other sectors for 2026?
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The Risk: Market volatility in 2026 is real. A 5% yield looks great until the share price drops 10% turning your passive income into a passionate prayer for recovery.
The Reward: With inflation going up, a 2.5% can feel like you are running on a treadmill that is slowly moving backward. Crossing that 5% threshold is how you actually build wealth that outpaces the cost of inflation.
My Top Pick?
It is DBS for passive income.
Why?
While Capitaland Ascendas & Mapletree Logistics are kings of the REIT world, they are sensitive to interest rate hikes.
DBS however is a cash printing machine. It has the scale, power & management that treats dividends like a sacred vow.
In 2026, I am backing the dividend giants. I rather ride the DBS wave than watch inflation eat up my 2.5% from CPF.
@Tiger_SG @Tiger_comments
If I had to choose one, I’d go with $DBS(D05.SI)$ . It offers a solid mix of yield and earnings strength, especially compared to REITs. That said, I still like adding exposure to names like $Mapletree Log Tr(M44U.SI)$ for diversification and structural growth.
Looking ahead, I expect DBS to stay strong, though growth may normalize. That’s why I prefer a balanced approach—combining banks, REITs, and selective plays like $HRnetGroup(CHZ.SI)$ to build a more resilient income portfolio.
$SGX(S68.SI)$
@TigerClub @Tiger_SG @TigerStars @Tiger_comments
CPF OA (2.5% Guaranteed):
Represents the "gold standard" for effortless, risk-free returns.
Ideal for investors prioritizing capital preservation and steady, predictable growth.
Dividend Stocks (5%+ Potential):
Offers the potential to double the CPF OA benchmark.
Requires a higher tolerance for market volatility and business-specific risks.
Suitable for those seeking active cash flow to supplement income or accelerate retirement savings.
Investors are increasingly looking at defensive sectors like healthcare REITs or essential service providers (e.g., NetLink NBN Trust) to hedge against economic uncertainty.
Resilient companies that balance growth with dividends are becoming preferred "anchors" for the next market wave.
so there are the pros and cons for everyone of them.
2. The equity investment in dbs has a higher expected return than reits and other property holding groups
3. Dbs group is growing and can increase earnings and payments to shareholders