If I had USD 1,000 (long-term SRS mindset)
✅ My allocation (simple & practical)
• $600 → SPDR S&P 500 ETF (S27)
Main growth engine
• $200 → SPDR Straits Times Index ETF (ES3)
Home bias + dividends
• $100 → Lion-Phillip S-REIT ETF (CLR)
Income + diversification
• $100 → SPDR Gold Shares (GSD)
Hedge & peace of mind
I would skip bonds (A35) at this stage unless I’m near retirement.
Why not more gold?
I do like gold, but:
• It protects, it doesn’t compound
• Over long horizons, equities do the heavy lifting
• Gold works best at 5–10%, not 30–40%
Your instinct to include gold is good — just don’t overdo it.
3 Key Takeaways (the important part)
1️⃣ SRS money should chase growth first
Because it’s locked up long-term,
📈 Equities (especially S&P 500) matter far more than bonds or gold early on.
2️⃣ Gold is insurance, not a growth engine
Gold:
• Shines in crises
• Preserves value
• Reduces emotional stress
But long-term wealth comes from business earnings, not metal.
3️⃣ Simple beats clever
You don’t need 10 ETFs.
A clean mix of:
• Global equities (S27)
• Local exposure (ES3)
• Some income (REITs)
• A hedge (Gold)
…already puts you ahead of most investors.
Final investor take
If I were starting SRS today with USD 1,000:
✔ I’d invest
✔ I’d overweight equities
✔ I’d keep gold at ~10% max
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