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新加坡理财初学者的投资指南！

新加坡理财初学者的投资指南！ — Engage

你准备好开始财务自由之路了吗？

  • 已经还清了那些利息很高的债务
  • 有足够的保险来应对突发情况
  • 有一些闲钱，也就是说你已经留出了足够的应急资金，能够维持6个月
  • 你打算投资的钱至少要有5年以上的时间才需要
  • 你已经做好了自己的尽职调查和研究的准备

 

从低风险投资开始：

适用对象： 寻求低风险、希望规避风险并获得高流动性的个人。

如果您寻求由新加坡政府支持的几乎无风险的投资选择：

  • 新加坡储蓄债券（SSB）： 十年期债券，具有灵活的赎回期，可获得可观的利息收益。
  • 国库券（T-Bills）： 六个月或一年期国库券，通常提供比SSB更高的利息，但流动性较低。
  • 新加坡政府证券（SGS）： 提供不同期限的债券选择。

 

基金unit trust：场外基金/场内基金ETF：

适用于：中等风险；希望以较低成本实现多元化的个人。

基金是跟踪一个指数或许多公司的篮子。

投资基金可以让您在许多不同的公司中持有少量股份，比单独投资 30 家不同的公司更具成本效益。

  • 在选择适合的基金时，您必须首先考虑评估市场，注意可能发生的经济变化及其对各个行业的影响。
  • 接下来，仔细审视您的投资组合。了解您属于哪类投资者，以及添加该基金将如何影响您的投资组合。

 

股票投资：

适合人群：愿意冒高风险、不仅仅追求击败通货膨胀的个人。

股票是金融市场上的一种投资类型，它让您拥有上市公司的部分所有权。股票主要分为三种：价值股、成长股、股息股。

高风险不一定带来高回报。高潜在回报也伴随着高潜在损失。要做好准备，因为如果公司破产，你投资的资金可能会全部损失。但当然，如果事情顺利，你的投资也可能增长很多。

 

房地产投资信托（REIT）：

适合人群：愿意冒高风险、追求风险并希望获得良好分配收益的个人。

房地产投资信托基本上是一种集合了投资者资金，用于投资于创收房地产资产组合的基金。

 

另类投资品，包括加密货币：

加密货币在金融界仍然相对较新，但近年来越来越受到关注，一些公司甚至政府接受加密货币作为支付方式。然而，它仍然被认为是一种投机性和高风险的投资。加密货币投资者普遍认为，在投资组合中，应将最多的资金投入到加密货币中，比例通常控制在5%至10%之间。

 

强化投资者心态

投资都是着眼于长期。在市场波动期间，你应该遵守纪律并坚持到底，这是投资的常态。 最重要的是，你需要有一个健全的投资策略。

 

 

#新加坡投资

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Jolysse邬宇思

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新加坡全牌照理财顾问

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Important: The information and opinions in this article are for general information purposes only. They should not be relied on as professional financial advice. Readers should seek independent financial advice that is customised to their specific financial objectives, situations & needs. This advertisement or publication has not been reviewed by the Monetary Authority of Singapore.

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  • Financial Alliance Pte Ltd ( “FAPL”) is licensed by the Monetary Authority of Singapore (“MAS”) and allowed to conduct financial advisory activities in accordance with the Financial Advisers Act (Cap. 110) (“FAA”) and the Securities & Futures Act (Cap. 289) (“SFA”) within the jurisdiction of the Republic of Singapore and in accordance with the licenses granted by MAS
  • 鑫盟理财私人有限公司( “鑫盟理财”)持有由新加坡金融管理局(“MAS”)所颁发的牌照，并许可在新加坡共和国境内依据财务顾问法（第110章）和证券与期货交易法（第289章）进行财务咨询等相关业务
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  • Such documents and information are provided by Financial Alliance Pte Ltd (“FAPL”) is for general information only and is not intended for anyone other than the recipient.
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  • It does not take into account the specific investment objectives, financial situation or particular needs of any particular person.
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  • You shall ensure that you have and will continue to be fully compliant with all applicable laws in your home country when entering into discussion or contracts with FAPL.
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In compliance with the Personal Data Protection Act, Financial Alliance Pte Ltd (“FAPL”) seek your consent to collect and use your personal data (e.g. name, NRIC, contact numbers, mailing addresses, email addresses and photograph) for the purposes of and in accordance with FAPL’s Data Protection Policy, which can be found on FAPL’s website at https://fa.com.sg/data-protection-policy/.

根据《个人数据保护法》，鑫盟理财私人有限公司征求您的同意向您收集并使用您的个人信息。鑫盟理财将根据公司的个人数据保护政策所阐述的用途使用您的个人资料（例如姓名，证件号码，联系电话，邮寄地址，电邮地址和照片）。 该政策可在本公司网站上查寻，网址为 https://fa.com.sg/data-protection-policy/.

By submitting this form, you are deemed to have read and understood FAPL’s Personal Data Policy.

提交此表格，即表示您已阅读并理解鑫盟理财私人有限公司的个人数据政策