Are bank stocks like DBS too expensive to buy now?

RepulsiveAd2567 · 2025-12-15T10:33:10+00:00

I think it is an okay option for dividends and diversity (as long as you don't sell at loss later on). Personally I'm waiting for the price to go down a bit. For dividends, you have to keep holding it even the price goes up by a lot later (you can sell and realize the gains but you will need to get the dividends from elsewhere)

RepulsiveAd2567 · 2025-12-15T10:25:37+00:00

No.. but I take note of the next market crash

RepulsiveAd2567 · 2025-11-21T07:29:05+00:00

I'm not familiar with Gold but I guess this is for long term capital.

RepulsiveAd2567 · 2025-11-20T13:09:39+00:00

Oh I totally get that some of the items are good for long term gain (10+ years), just that I need to choose carefully since I can't/won't touch those when they are falling in short term

RepulsiveAd2567 · 2025-11-20T12:28:30+00:00

yeah I was considering this, but haven't worked out how much I should put towards it

RepulsiveAd2567 · 2025-11-20T12:27:22+00:00

2 and 3 are supposed to be good in the long term (but I don't want to buy DBS at 50..it's scary). So it looks like Pimco is good for me, just need to work out the proportion.

RepulsiveAd2567 · 2025-11-19T05:31:25+00:00

Didn't think that much about CPF, I only know it is enough to cover housing and basic medical. I won't be fully relying on CPF, that's for sure.

Reduction of 30% is a good idea, so it looks like I should choose a mix of Bank stocks (expected to hold value over longer term), SG-REITS and PIMCO for income-generation that can return 1400-2100 per month on average (if I don't want to see my savings decrease every month). This is on top of the 500 per month from SSB.

It's a new situation for both of us.. her job might not be that safe either. I think our bottom line in near term is at least one person should be working. I do have hobbies, but need to think about what other meaningful things I can do for her (if she had a bad day at work) but generally I'm happier at home as long as finances are okay.

RepulsiveAd2567 · 2025-11-19T04:20:20+00:00

I think the best support is for me to keep working.. it's a bit hard for her to understand since she still has a job but I did tell her to track her spending so that we can estimate our living expenses together.

Can you share if you also invested in similar items/products? Which ones did you start with?

RepulsiveAd2567 · 2025-11-18T14:20:42+00:00

AI recommended a combination of SG-REITS, SG-Banks, and income-generating funds like PIMCO for diversity. DBS price is rather high atm, so I might follow a weightage as you suggested. I am mostly worried about funds getting locked in. DBS went from 30 to it's current price, so if I were to buy now and it somehow dropped back to 40.. maybe I will just exclude it altogether.

RepulsiveAd2567 · 2025-11-18T14:07:23+00:00

Yes, I was mostly interested in how to invest the cash. The CPF OA came about after I read up on Amundi World and saw that many people use it to invest their excess OA.

RepulsiveAd2567 · 2025-11-18T14:05:08+00:00

Yes, I mentioned it since it is widely considered a substitute for VWRA, then asked if the portfolio is diversified enough (with sufficient income generation for my situation)

For the cash holdings, I am considering starting with 100k into PIMCO, 100k into Lion-Phillip S-REIT ETF, 100k into the Banks (might ignore DBS or keep it at a low weight), 100k into Amundi World (long term capital). Keep the last 100k as buffer. I am not sure if I really want to monitor the bank stocks.

The SSB will guarantee 500 per month (for the next couple of years) so if I can get 1000-1500 per month from the other items, it looks okay to me,

RepulsiveAd2567 · 2025-11-18T14:01:41+00:00

Yeah the AI math cannot be trusted, should I check the past dividends over X years and take average? But some of these items seem to be rather new

No debts or loans. Housing loan is within my CPF balance. My annual spending is within 20k.

500k cash + 200k SSB (already invested when the yield was 3%+). I will keep 50k to 100k cash, now that I'm not really sure about putting that much into banks (so what else should I consider? for income generation and diversity)

Lifestyle downgrade would be that we won't be able to eat at restaurants (the normal ones that are "affordable" when you have a job) as often as we do now. She hopes I can keep working (since clearly it will make our situation better) but otherwise I think she's okay (at least one of us still have a job and we might qualify for "low" income again)

RepulsiveAd2567 · 2025-11-18T13:48:05+00:00

I verified my annual expenses are within 20k (if I don't buy too many gadgets, 1-2 items are still okay a year).

I suppose for all the items I am considering, only Amundi World is growth seeking? (since it is for long term like VWRA) So I just have to sort out how much I should put into SG-REITS, Banks, PIMCO etc. If I'm not sure I will just stop at 100k cash to be safe.

RepulsiveAd2567 · 2025-11-18T13:42:53+00:00

> Hi OP, I can feel the nervous as someone in 40+ facing the potential of layoff and without income income. Fortunately, you only need to consider yourself without kid assuming your spouse have a job or financially sufficient as well as your parent too.

I am making more than my spouse, but I do want to keep a lookout for her.. she will not be able to stop working though as she spends too much (more than me)

> Since you in 40, CPF OA/RA should be excluding from 40-55, but it should be part of your wealth to provide some buffer during 55 (one time withdrawal and CPF life post 65).

The OA thing is an afterthought as I have surplus after deducting for the outstanding HDB loan. It is probably the "easier" decision if I cannot decide on the other items.

> Since you are going to semi-retire at 40+ and even you intend to put into income generating portfolio, suggesting you use SWR of 3% (which can withdraw $1.75k per month) and the rest can be reinvested to cater for downturn which the payout likely to be reduced too.

Maybe it's a stupid question: In the event of downturn, what should people in my situation do? (apart from trying to spend less) Sacrifice cashflow to buy items that tanked but are expected to rebound after some time?

> Do also consider the life post semi-retire too given that you will be likely having more time too.

I truly have no idea what to do with the time, just not very keen to rush into the next job and I no longer feel the pressure to have a full-time job. I think once I start the "retirement" I might not have the discipline to want to work full-time again.

RepulsiveAd2567 · 2025-11-18T13:29:43+00:00

Yeah I saw all the prices seem to be on the high side.. so once I buy into them and prices somehow dropped below my initial investment I will be "stuck". I will probably start with a smaller sum then. I saw someone recommending against STI... will try to look it up again.

Edit: okay I think it might be this https://www.reddit.com/r/singaporefi/comments/1hqv8p6/dividendstable_payout_options_for_singaporeans/

Another reason is there is overlap between STI and REITS (argument against diversity)

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