Sep 29, 2025

I have been hearing a lot about the potential of investing in private credit in Singapore, with the possibility of earning dividend yields ranging from 8-12%. However, it has been emphasized that risk management is crucial in this type of investment. Simply looking at the yield alone is not enough; factors such as seniority, cash flow, and legal enforceability play a significant role in determining the actual returns. The focus should not just be on the coupon rate, but on the overall structure of the investment.

Another topic that has been discussed is how to generate passive income from REITs, with the suggestion of investing $1 million at a 5.5% dividend yield to potentially earn $4500 a month. Diversifying assets across a mix of large-cap industrial, logistics, data center, and retail REITs or an SG/Asia REIT ETF, as well as including investments in SG banks, has been proposed as a strategy to achieve this passive income goal.

Furthermore, there has been advice on minimizing risks in investments, with six proven ways to contain and manage risks. One key approach mentioned is diversifying across different asset classes and geographies to avoid overconcentration and spread out potential losses. The goal is to ensure that one bad investment does not have a significant negative impact on the overall portfolio.

Overall, the discussions in the financial news have been centered around strategies for maximizing returns while managing risks effectively. From exploring opportunities in private credit to generating passive income from REITs and implementing risk minimization techniques, there is a focus on prudent investment practices to achieve financial goals. It is essential to consider various factors and strategies to make informed decisions and navigate the complexities of the financial market.

Stay Well!