How Ought to I Spend money on 2026? Construct a Diversified Portfolio with Capital Positive aspects Potential?

With the newest 6-month T-Payments yielding at 1.60%, numerous readers have been asking how you can make investments smarter as a substitute of leaving every thing in “secure however stagnant” money.

A typical query: How ought to an investor who’s keen to take some danger—however doesn’t need to actively babysit their portfolio—make investments for returns to realize their monetary targets?

From parking to progressing?

For the previous couple of years, holding money and T-Payments made numerous sense as yields have been enticing, and there was loads of uncertainty about inflation, charges and geopolitics.

Nevertheless, money and T-bills have limitations:

• No long-term development – they defend capital, however they don’t compound like equities over a 5 – 10 12 months horizon;
• Reinvestment danger – when rates of interest fall, you face decrease yields whereas markets might have already moved.

For many who don’t know, DBS repeatedly publishes their Chief Funding Workplace (CIO) insights, and that is accessible at no cost on the DBS web site or by way of the DBS digibank app.…