After 25 years
2014
2009
YEAR 3
YEAR 2
YEAR 1
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$2062.00
Expected growth over 3 years
$20,000
YEAR 3
YEAR 2
YEAR 1
Are you making the right investment choices in the long term?
To begin
Take an example of saving S$300 a quarter for
25 years starting in 2000 using 3 investment scenarios: a balanced fund, equity fund or a fixed deposit account, the results are very different.
$1031.00
YEAR 3
YEAR 1
After 25 years
2014
2009
2004
To begin
Click to learn more
YEAR 1
YEAR 2
YEAR 3
2004
YEAR 1
YEAR 2
YEAR 3
2019
2019
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2004 : Equity...
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2009 : Equity...
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2019 : Equity...
The investment scenarios featured highlights the potential different outcomes over a 25 year timeframe and the trade-offs between risk and potential returns in your investment choices. You should consider your financial goals, risk tolerance and your investment time frame when deciding which investment strategy is right for you. Always remember higher returns comes with higher risks.
Time can be your ally
3m bank
fixed deposit
Balanced
investment*
Equity
investment
S$300
S$300
S$300
YEAR 1
YEAR 3
Current
account deposit
Balanced investment
(50% equities - 50% bonds)
Equity
investment
19,200€
30,981€
32,601€
15 years later
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YEAR 1
YEAR 3
3m bank
fixed deposit
Balanced
investment*
Equity
investment
S$32,195
S$57,734
S$91,750
*(50% equities – 50% bonds)
Source: Amundi, Morningstar, Monetary Authority of Singapore. Data as of end 2024. The total investment of S$30,000. Equity investment = 100% MSCI World Index; Balanced investment = 50% MSCI World Index and 50% Bloomberg Global-Aggregate Total Return Index; Deposit= Weighted average rate of 3-month Singapore bank fixed deposit rate applied to the quarterly investment. Please refer to the end of the presentation for the full Morningstar disclaimer.