Singapore Savings Bond (SSB)

Government-guaranteed step-up bond. Individual limit S$200K. Redeemable anytime with no penalty.

Singapore Dividend Stocks

SGX-listed shares that pay regular dividends. Banks, telcos, and blue chips yield 3–6%.

SRS Account

Supplementary Retirement Scheme — voluntary tax-relief savings with S$15,300 annual cap for citizens.

CPF Investment Scheme (CPFIS)

Invest your CPF OA savings (above S$20K) in approved stocks, REITs, and ETFs.

S-REIT

Singapore REIT — must distribute 90%+ of income. Sector yields 5–7%. MAS-regulated.

Dividend Yield

Annual income ÷ share price. S-REITs average 6%. Formula: DPS ÷ Price × 100.

Gearing Ratio

Total debt ÷ total assets. MAS cap is 50%. Healthy S-REITs target 35–42%.

Distribution Per Unit (DPU)

Cash income per unit paid by a REIT. The primary income metric — tax-free for SG residents.

Net Asset Value (NAV)

Assets minus liabilities per unit. P/NAV < 1.0x = potential discount to book value.

Robo-Advisor

Automated investment platform. Syfe, Endowus, StashAway. Fees 0.2–0.65% p.a. MAS-licensed.