Build Your Wealth

Investment Guide

Singapore's strategic position as Asia's premier financial hub offers expats unparalleled access to global investment opportunities with zero capital gains tax.

0% Capital Gains Tax
0% Dividend Tax
AAA Credit Rating
SGD Stable Currency

Why Singapore

Investment Advantages

Singapore offers one of the most investor-friendly environments in the world, with no capital gains tax, no dividend tax, and a stable currency backed by robust foreign reserves.

0% Capital Gains

No tax on investment profits from stocks, property, or other assets.

Global Access

Access US, HK, China, EU markets through Singapore brokerages.

Strong Regulation

MAS-regulated financial system with investor protection frameworks.

Dividend Income

No withholding tax on Singapore-sourced dividends.

Equities

Stocks & ETFs

Build a diversified portfolio with individual stocks or low-cost ETFs that track global indices like the S&P 500, MSCI World, or regional markets.

Singapore Stocks (SGX)

The Singapore Exchange (SGX) hosts blue-chip companies, REITs, and regional firms. Popular sectors include banking (DBS, OCBC, UOB), telecoms, and property.

Minimum Investment 100 shares (1 lot)
Trading Hours 9am - 5pm SGT
Settlement T+2

Popular ETFs

Low-cost index funds available on SGX or through international brokerages. Perfect for passive investors seeking diversification.

SPDR STI ETF (ES3) SGX - Singapore Index
CSPX (S&P 500) LSE - US Market
IWDA (World) LSE - Global Markets
VWRA (All-World) LSE - Global Markets

Real Estate

Singapore REITs (S-REITs)

Singapore is Asia's largest REIT market. S-REITs must distribute at least 90% of taxable income as dividends, making them popular for income-seeking investors.

S-REIT Categories

Retail REITs

Shopping malls, suburban retail. Examples: CapitaLand Integrated, Frasers Centrepoint Trust

Office REITs

Grade A office buildings. Examples: Keppel REIT, Suntec REIT

Industrial REITs

Warehouses, data centers, logistics. Examples: Mapletree Industrial, AIMS APAC

Hospitality REITs

Hotels, serviced residences. Examples: Ascott Residence, CDL Hospitality

Withholding Tax for Non-Residents

Singapore REITs may apply 10% withholding tax on distributions to non-resident individuals. Check each REIT's tax treatment and your tax residency status.

Automated Investing

Robo-Advisors

Automated portfolio management with low fees, perfect for hands-off investors. Most robo-advisors in Singapore are MAS-licensed and insured.

Syfe

Multiple portfolios including Core, REIT+, and Equity100. No minimum investment.

Management Fee 0.4% - 0.65%
Minimum None

StashAway

Risk-optimized portfolios with economic regime-based rebalancing.

Management Fee 0.2% - 0.8%
Minimum None

Endowus

Access institutional fund classes. Can invest CPF and SRS funds.

Management Fee 0.25% - 0.6%
Minimum $1,000

Fixed Income

Bonds & Fixed Deposits

Lower-risk options for capital preservation and steady income. Singapore Government Securities (SGS) and T-bills offer risk-free returns in SGD.

Singapore Savings Bonds (SSB)

  • Government-backed, zero default risk
  • 10-year maturity, step-up interest rates
  • Redeemable anytime with no penalty
  • Minimum $500, max $200,000 per person

Note: SSB are only available to Singapore Citizens, PRs, and entities registered in Singapore.

T-Bills & Fixed Deposits

T-Bills (6-month / 1-year)

Auctioned regularly through banks. Competitive yields for short-term savings.

Bank Fixed Deposits

Promotional rates often available for new funds. Compare DBS, OCBC, UOB rates.

Corporate Bonds

Higher yields but with credit risk. Available through brokerages or bond funds.

Getting Started

Trading Platforms

Choose from local or international brokerages based on your investment needs, preferred markets, and fee structure.

Platform Markets SGX Fees Best For
Interactive Brokers 150+ markets globally 0.08% (min $2.50) Global investing, low fees
Tiger Brokers US, HK, SG, AU 0.06% (min $2.88) Mobile app, fractional shares
moomoo US, HK, SG 0.03% (min $0.99) Low fees, research tools
DBS Vickers SG, US, HK, UK 0.12% (min $10) DBS integration, local support
FSMOne SG, HK, US + funds 0.08% (min $10) Unit trusts, bonds
Personalized Advice

Need Investment Guidance?

Our network of MAS-licensed financial advisors can help you build a portfolio aligned with your goals.