What is the best investment in Singapore in 2026?

The "best" investment depends on your goals, risk tolerance, and time horizon. For safety and liquidity, SSBs and T-bills offer ~3–3.6% tax-exempt returns. For long-term wealth building, low-cost global ETFs (S&P 500, MSCI World) have historically returned 7–10% p.a. For income, S-REITs offer 4–7% dividend yields. CPF top-ups at 4% guaranteed return are hard to beat for risk-free medium-term parking.

Where should I invest if I am new to investing in Singapore?

Start with CPF optimisation: top up SA for 4% guaranteed return and tax relief. Then build an emergency fund in SSBs or high-yield savings accounts. Once you have 6 months of expenses covered, start a monthly DCA into a low-cost global ETF (e.g., VWRA, CSPX) or the STI ETF via a brokerage or regular savings plan.

Are Singapore T-bills a good investment right now?

T-bills offer risk-free, government-guaranteed, tax-exempt returns. At current yields of ~3.4–3.6% p.a. (annualised), they beat most savings accounts and FDs. The trade-off is illiquidity — no early redemption. Best suited for money you don't need for 6 months to 1 year. T-bill yields fluctuate monthly based on MAS auctions.

Is it worth investing in Singapore REITs?

S-REITs (Singapore Real Estate Investment Trusts) offer exposure to real estate without property ownership. They trade on SGX, must distribute 90%+ of income, and distributions are tax-exempt for Singapore individuals. Typical yields are 4–7% p.a. Risks include rising interest rates (which hurt REIT prices), leverage, and manager quality. Best held as part of a diversified portfolio.

How do I start investing in Singapore with little money?

Start with as little as S$100/month: (1) POSB Invest-Saver or DBS Invest-Saver — invest from S$100/month into STI ETF or Nikko AM bond fund; (2) FSMOne RSP — monthly ETF/unit trust investing; (3) Syfe Core or Endowus — automated portfolio from S$100; (4) Tiger Brokers or Moomoo — buy fractional shares or ETFs from any amount.

Guides › Best Investment in Singapore

Best Investment in Singapore 2026

A practical, no-fluff guide to Singapore's best investment options — from guaranteed government bonds to global ETFs. Sorted by risk with expected returns.

Singapore Investment Options at a Glance

Type	Product	Est. Return	Risk	Liquidity
CPF	CPF SA/RA top-up	4.0% (guaranteed)	Very Low	Locked till retirement
CPF	CPF-OA	2.5–3.5% (guaranteed)	Very Low	Locked till 55
Gov Bonds	Singapore Savings Bonds	2.8–3.2% p.a.	Very Low	High (monthly)
Gov Bonds	6M / 1Y T-bill	3.4–3.6% p.a.	Very Low	None (lock-in)
Bank	High-Yield Savings Account	2.5–7.8% (bonus)	Very Low	High
Bank	Fixed Deposit	2.5–3.5%	Very Low	Low (penalty)
Equities	STI ETF (SPDR / Nikko)	5–7% p.a. (long-term)	Medium	High
Equities	Global ETF (VWRA, CSPX)	7–10% p.a. (long-term)	Medium	High
REITs	S-REITs (diversified basket)	4–7% dividend + growth	Medium	High (SGX)
Tax-Adv.	SRS (invested in ETFs)	5–8% (portfolio-dependent)	Medium	Locked till 62

Returns are indicative. Equity/REIT returns vary with market conditions.

The Singapore Investor's Pyramid

A simple framework for building your investment portfolio in Singapore:

Foundation (CPF + Emergency Fund)

Maximise CPF contributions, top up SA for 4% return, keep 6 months expenses in SSBs or high-yield savings account. This is non-negotiable.

Core (Long-term Index Investing)

DCA monthly into a low-cost global ETF (VWRA, CSPX) or STI ETF. This is your wealth-building engine. Time horizon 15+ years.

Satellite (REITs, Dividend Stocks, SRS)

Allocate 20–30% to S-REITs for income, SRS for tax savings, or thematic ETFs. Supplement core portfolio.

Speculation (if any)

Individual stocks, crypto, options — only what you can afford to lose completely. Keep under 5–10% of portfolio.

Frequently Asked Questions

Investment Calculators

SSB Calculator T-bill vs FD vs SSB DCA Calculator Dividend Yield Calculator SRS Tax Savings Calculator