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.

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