Q3 Fund Recap: where to invest amid volatility?

@ZnWC outlined his criteria for selecting new investments, emphasizing:

"Although rate cut will decrease the return from Cash Plus, T-Note, and Bond funds, the correlation is not so straightforward." Therefore, Cash Plus remains a strong option for its steady returns, liquidity, frequent income, low currency risk, and low fees. View more>>

@102414076 said that $Fullerton SGD Cash Fund (SG9999005961.MF)$ is a cost-effective option for investors as it gives competitive returns compared to bank deposits and good liquidity for investors as you can get your money the next working day for other investments or expenses. View more>>

@CasualInvestor noted that

@Dadacaihighlighted returns from Cash Plus and explored opportunities in bond funds like $LionGlobal Short Duration Bond Fund (SG9999016000.MF)$ and $HSBC GIF Ultra Short Duration Bond MDis (LU2334458192.MF)$! View more>>

In anticipation of further rate cut, @sociable Dingo_8604 has increased his cash reserves and diversified into various bond funds such as $PIMCO GIS Total Return Bond Fund (IE00B1LHWR71.MF)$ $United SGD Fund (SG9999001382.MF)$ $HSBC GIF Ultra Short Duration Bond MDis (LU2334458192.MF)$ $LionGlobal Short Duration Bond Fund QDis (SG9999002646.MF)$ along with 7-day 6% fund coupons for minimum $1k sgd subscription, up to $100k sgd. “This is to maximize my returns.” View more>>

Meanwhile, @mr_cashcow has invested in $LionGlobal Short Duration Bond Fund QDis (SG9999002646.MF)$ , securing stronger base returns compared to Cash Plus. View more>>

Earlier, @mr_cashcow tried out the $Allianz Income and Growth MDis (LU0943347566.MF)$ fund, and the result was not bad!View more>>

@ZnWC shared his rationale for selecting the $Janus Henderson Balanced Fund MDis (IE00B7KXQ091.MF)$:

@hmhinv pointed out that lower interest rates enhance the attractiveness of bonds, dividend-paying stocks, and REITs, possibly stimulating the stock market, particularly in sectors like growth stocks. He is focusing on $SPDR S&P 500 ETF (SPY.US)$, $Invesco QQQ Trust (QQQ.US)$,and $iShares Russell 2000 ETF (IWM.US)$, particularly now following their recent price retractions. View more>>

@Mars Mooo suggests that now is an opportune time to invest in high-yield bonds, $Cryptocurrency (LIST2993.US)$, $REITs (LIST20866.SG)$ , and small-cap stocks for potentially higher returns. View more>>

@SneakyBear views the lower interest rates as a chance to reduce borrowing costs, which could escalate property values and investments. The sector has been languishing since the onset of COVID-19 and subsequent rate hikes. From this angle, the $Janus Henderson Pan European Property Equities Fund (LU1059379971.MF)$ has been performing robustly over the past year, significantly outperforming others. View more>>

@Dadacai commented on the renewed interest in the UK stock market from international investors as likely rate cuts by the Bank of England could precede those in the US. This could positively impact REITs and stocks. In comparison to the $BGF United Kingdom Fund (LU0171293334.MF)$, the $Janus Henderson Pan European Property Equities Fund (LU1059379971.MF)$ is seen as more volatile and risky (higher standard deviation). View more>>