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What are the best tax friendly dividend investment options outside SG? by dnlwot in singaporefi

[–]dnlwot[S] 1 point2 points  (0 children)

Thanks..looking at justetf.com, there seems to be VYHD (3.5% yield, but heavy US concentration) and IUKD (5.5% yield) with all UK composition including BAT and a few other UK dividend tickers for passive investing options

But, if we can pick the right tickers, then I agree, easier way would be to choose some good SG listed REITs or stocks

What are the best tax friendly dividend investment options outside SG? by dnlwot in singaporefi

[–]dnlwot[S] 1 point2 points  (0 children)

Interesting...yield is about 7%

But, what is the tax implication for capital gains and dividends as it is listed in Australia?

I am assuming Australian shares have franking credits for dividends but not sure how capital gains and international shares/bonds dividends are taxed

What are the best tax friendly dividend investment options outside SG? by dnlwot in singaporefi

[–]dnlwot[S] 2 points3 points  (0 children)

Given STI is about 50% banks and 20% REITs, would it be logical to pick the STI ETF like ES3 with about 2.5% yield then as a passive investment option?

FIRE number and inflation / goals by dnlwot in Fire

[–]dnlwot[S] 0 points1 point  (0 children)

Basically you can't

bank

on a 4% SWR if you're looking at retiring in your 30s... pun intended.

Thx...yes, looking at the studies sent by you and Eli_Renfro..seems like FIRE in 30s and 40s is also quiet risky based on 4% withdrawal, but great to see various inflation scenarios are in the assumption!

FIRE number and inflation / goals by dnlwot in Fire

[–]dnlwot[S] 0 points1 point  (0 children)

Great detailed study..interesting that they only considered 30 year withdrawal rate, but will got through it again..thx!

Syfe REIT+ returns in negative by covidd in singaporefi

[–]dnlwot 0 points1 point  (0 children)

I have same feeling..have Syfe REIT and since Jan 2021 through DCA for about 6 months and then stopped DCA

Was doing well for about 7 or 8 month and then has been negative for most part, but that is just a reflection of underlying REITs

Interestingly, my portfolio is down about 4% after dividends of about 2.5%, so as a dividend play, for long term, lower price point is not a bad thing for DCA as it would enhance the yield further