To The Moon

There is no best way to invest and little chance to capture the peak in a rising interest situation. 

With inflation unabated, FED will continue to raise interest rates, and stock market will be affected in a negative fashion. 

For me, I will review and rebalance my portfolio. Move out of reits with high debts if it is making decent returns to avoid going into red since high gearing will affect DPU.

Second, bottom fishing for value stock with strong fundamental and large moat, if they have fallen near 52 weeks. Accumulate along the way to reap capital gains.

Third, look beyond stocks. Invest in Singapore Saving bonds (SSB) and Treasury Bills from government. These offer up to a range of 3.5 pc to over 4 pc in recent months. Don't forget Tiger United Fixed Maturity Bond Fund that invest in investment grade bonds, offering close to 5pc if hold to maturity. 

Fourth, consider structured deposits which offer higher interest than bank deposits, but no guaranteed if there is a default of issuer. 

Fifth, invest in fixed term investment linked policy of 2 to 3 years offering decent returns of more than 3 pc. 

Bank promotional interests are quite attractive but penalty for early withdrawal. 

Diversify, diversify and rebalance your investment to take advantage of different rates of return to minimise adverse effects on our living standard. 

There are many other ways to but the above are ways I think could be considered on how to invest in a rising interest environment. 

Just an opinion. Not an advice as each of us have different time horizon, different temperament, different investment objectives, different holding power. Most important, do not panic, do not fear of inflation. Conquer rising interest with calmness and adjust our investment strategy to ride it through in one or 2 years time, hopefully. 

What goes down in a stock market will go up. What goes up in inflationary pressure will come down. Patience is key here. Stay invested. 

Best wishes and hope 2023 or 2024 bring prosperity to us in Tiger family. 

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